No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I think this thread is a wonderful idea! Is there any way the thread can be listed like on the first page of the Credit Card Forum? Many individuals may miss out on it b/c they are unaware it exists.
company amount owed CL
AMEX 0 1000
Barclay 163.00 1000
Bank of America 0 500
Capital One 0 200
Capital One 0 200
Capital One 0 200
Capital One (HSBC) 0 300
Capital One (HSBC) 0 300
Credit Care 0 2000
NFCU 0 5000
Paypal 125.00 300
Wells Fargo 150.00 1100
US Bank 0 300
USAA 0 350
Amazon 0 700
Blair 25.00 350
BP Chase 0 150
Buckle 0 500
Express Next 0 250
Exxon 0 500
Giinnys 0 1000
HSN 38.00 500
KingSize 0 250
Macys 0 200
Mason Shoes 0 500
Masseys 0 500
Monroe and Main 0 750
One Stop Plus 0 250
Conoco 0 400
Shell 0 400
Stoneberry 0 750
Target 0 200
WalMart 175 600
Wards 0 750
total owe 676 21650 amoz .0312
@wHiTeSoL wrote:Awesome idea! Keep me honest guys! All 0% BTW
Cards Balance Due Date Limit
AMEX BCE $3,177.69 15th $6000 Barclay Lufthansa $6,051.70 19th $9000 OCCU $4,749.50 21st $12000 Total $13,978.89
Goal August 2014 (Due date for first child!)
@Anonymous! All still @ 0% for atleast 10 more months
AMEX BCE | 0 | 15th | $6000 |
Barclay Lufthansa | $6,051.70 | 19th | $9000 |
OCCU | $4,499.50 | 21st | $12000 |
Total $10,551.20
Well, I got Lowes Paid to 0, and WM less then 25%. I am taking advantage of some BT offers at 0% and have reduced my monthly interest by 30 dollars, .. As of tonight I am at 49.8% UTI.. I am having some current issues with the spreadsheet, or I would post it up here, maybe in a bit if i can get that fixed.
In the meantime, I also got Wifes UTI below 14% on her cards, so now I can concentrate on mine a bit more heavily. the Income tax return will put another dent in it when it comes in ... I just have to quit procrastinating and do my taxes.. LOL
The challenge is still kicking guys!!.. Rock and roll!!
I'm so glad I saw this thread!!! I used to be a constant follower/occassional poster in this forum then in 2013 my husband & I bought a house so my focus was elsewhere. I religiously paid my cards off every month and just used them for rewards purposes...until we were about to get into the house and were just in. For the first time in my life I'm carrying huge balances and it gives me the worst anxiety! No, really, I can hardly handle it.
Chase Freedom - 0 (recently paid off and I still use it for my daily purchases for points)
Amex Blue Everday - 3643
Alliant CU - 1762
This is already paid down quite a bit so I'm pretty proud but I can't wait to have it all paid off and focus my money elsewhere.
I'm IN!
Here's my current status. My balances are all on 0% cards, and I will be paying off Barclay first at $500/month with the others each getting $300/month until Barclay is paid. As soon as I get off my tuchus and do our taxes, I'll be able to pay down or off all but Wells, and then $1k/month to Wells from that point forward.
BUT, here's the rub. We are about to start the process of becoming foster-to-adopt parents to a teenager. We need to do some renovations to the house in order to make this happen, which means a home improvement loan. I'll have to jump out of the garden to start this process sooner than I'd originally planned, as we need to be done by August. So, do I move all the revolving debt to a personal loan type situation in order to pull it off revolving, boost my score, and get the reno loan? Or do I see if we can get a personal loan that covers both the payoff of credit cards AND the reno? I'm not sure how much equity we have in the house right now, if any, due to the market. It may or may not be worth more than the purchase price in 2011. I suspect it's up about $40k from the purchase price, and we've paid off $20k, so we may be able to go with a HELOC. I just don't know until I talk to my mortgage broker.
Anyone here who is smarter than I am about these things, feel free to chime in with your 2 cents.
Card | Bal | Limit |
Wells Fargo Rewards Visa | $ 5,464.27 | $ 7,000.00 |
Wells Fargo Health Credit | $ - | $ 3,600.00 |
FNBO Overstock MasterCard | $ 2,167.00 | $ 3,500.00 |
Barclay Platinum Rewards MasterCard | $ 1,174.98 | $ 2,500.00 |
Capital One Platinum MasterCard | $ - | $ 300.00 |
Chase Visa | $ - | $ 1,773.00 |
Lane Bryant | $ - | $ 1,750.00 |
QVC | $ - | $ 1,700.00 |
Best Buy | $ - | $ 1,000.00 |
Chase Amazon Visa | $ - | $ 500.00 |
Target REDCard | $ - | $ 500.00 |
Torrid | $ - | $ 350.00 |
Macys | $ - | $ 300.00 |
TOTALS | $ 8,806.25 | $24,773.00 |
Current % of limit (overall) | 36% |
I have basically a zero balance on 33k of available credit, and a measly 24k in annual income.
But my rotten, hideous teeth need about 30k worth of work (unless I just get dentures at 35 years old!)
So, in reality, I feel like I'm worse off than anyone in this thread.
I did just get a $5k CareCredit card. I'll probably max that sucker out in one sitting.
Sigh...