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Valued Contributor
CreditMagic7
Posts: 3,387
Registered: ‎01-04-2014
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Re: The GREAT CC Payoff Challenge!!

@Pupeitmeister

I would never have had that kind of start that i did without this amazing forum's members contributions, suggestions, and opinions. Everyone's input is so valuable!

On top of that, this place is also helped me to curb the temptation of becoming complacent and lazy which i know i would have fell into in short order.

Thanks!
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It's All In The Magic Of Your Own Destiny
Established Contributor
longtime_lurker
Posts: 531
Registered: ‎10-21-2013
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Re: The GREAT CC Payoff Challenge!!


Pupeitmeister wrote:
Shameless bump!

Anyone have a status update?

I have paid off my Amex, MSUFCU, and Citi.

 

Chase will report about a $230 balance and be paid off around the 6th of Feb...so I'm still on track!

Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: The GREAT CC Payoff Challenge!!

I win! I pay in full each month
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Valued Contributor
CreditMagic7
Posts: 3,387
Registered: ‎01-04-2014
0

Re: The GREAT CC Payoff Challenge!!

@longtime_lurker

Great "on track" results!
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It's All In The Magic Of Your Own Destiny
Established Contributor
longtime_lurker
Posts: 531
Registered: ‎10-21-2013
0

Re: The GREAT CC Payoff Challenge!!


CreditMagic7 wrote:
@longtime_lurker

Great "on track" results!

Thanks! :smileyhappy:

Valued Contributor
newmomnewme
Posts: 1,305
Registered: ‎09-30-2013
0

Re: The GREAT CC Payoff Challenge!!

[ Edited ]

Ok, I am in. I wish I could have used the NFCU balance transfer....can't pay my NavCheck with a BT to cashRewards right?? lol...

 

Due 8th- NavCheck- 5k/7.5k 15%

Due 2nd- Barclays MC- 400/500 0% until 4/14

Due 7th- Cap1 QS Visa- 400/1k 19.8%

Due 3rd- Victorias Secret- 65/300 28%?? I just know its high....

Due 17th- NFCU Visa- 29/10k 12%

 

Due 15th- Cap1 QS MC- 0/750 22%

Due Not Sure- Macys 0/400 ??

Due 2nd- Target 0/200 ??

 

I just planned on paying about $500 monthly on the NavCheck, I may boost it up to $700 and have it paid off before 2014 holidays. I use the Barclays and QS for groceries and gas (rewards)....so should I be using them for rewards and PIF each month?  Maybe I could switch out the QS Visa for MC to give me more time to pay? I could use a different paycheck for each...Barclays stinks because the limit is so low....I can't get all of my shopping and gas done with it. 

 

Help!!!!



Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 600 TU: 644 EX: ??
Goal Score: ALL 720+

In the Garden Until August 2015 Last App Sept 2014
border="0"Take the myFICO Fitness Challenge
Valued Contributor
Pupeitmeister
Posts: 1,161
Registered: ‎11-11-2013
0

Re: The GREAT CC Payoff Challenge!!


CreditJunkie917 wrote:

I'm in!! My biggest focus will be to pay down my NFCU card as much as possible to maximize UTI, for the biggest score bumps. The goal is to be as close to 750 across the board by years end. Good Luck everyone!!!

 

CARDCREDIT LIMITBALANCEUTI %
    
NFCU CR$12,500 $5,866 46%
DUCK CARD$10,000 $0 0%
USAA WMC$7,000 $0 0%
USAA AMEX$7,000 $0 0%
CSP$5,000 $51 1%
AMEX BCE$2,000 $96 4%
CAP1 QS$1,500 $153 10%
CAP1 SECURE$200 $0 0%
V.S. ANGEL$500 $0 0%

Ok, to advise properly on a payoff plan I am going to need interest rates :smileyhappy: .. Can you provide them? as well as a monthly or biweekly allotment you can commit to putting towards the debt?


OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
Valued Contributor
Pupeitmeister
Posts: 1,161
Registered: ‎11-11-2013
0

Re: The GREAT CC Payoff Challenge!!


newmomnewme wrote:

Ok, I am in. I wish I could have used the NFCU balance transfer....can't pay my NavCheck with a BT to cashRewards right?? lol...

 

Due 8th- NavCheck- 5k/7.5k 15%

Due 2nd- Barclays MC- 400/500 0% until 4/14

Due 7th- Cap1 QS Visa- 400/1k 19.8%

Due 3rd- Victorias Secret- 65/300 28%?? I just know its high....

Due 17th- NFCU Visa- 29/10k 12%

 

Due 15th- Cap1 QS MC- 0/750 22%

Due Not Sure- Macys 0/400 ??

Due 2nd- Target 0/200 ??

 

I just planned on paying about $500 monthly on the NavCheck, I may boost it up to $700 and have it paid off before 2014 holidays. I use the Barclays and QS for groceries and gas (rewards)....so should I be using them for rewards and PIF each month?  Maybe I could switch out the QS Visa for MC to give me more time to pay? I could use a different paycheck for each...Barclays stinks because the limit is so low....I can't get all of my shopping and gas done with it. 

 

Help!!!!


Welcome in Newmomnewme!.. Ok.. Lets see here.. It is too bad you couldn't take advantage of the 2.9 on NFCU.. That would help a bunch.. either way.. this is still doable. I would PIF the Visa, along with the Barclays and the Capone, or leave a small balance if you need a statement to cut for possible CLI on that VS.. (by small I mean less then 5 bucks, let it roll, go pick up the 6 for 20 deal next month if they have it, and pay off again to like 3 bucks. don't give them any more then the minimum interest, just so you can get the Statement cut for possible CLI.. (if you want that after 4 statements)...

 

Which NFCU Visa is that? If you aren't using it for rewards, go ahead and PIF that one too... and let it sit while you steady push on that Navcheck.

 

Are you planning any additional apps for now or are you gardening?

 

We can knock out a TON of debt if we use each other for motivation and support!.


OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
Valued Contributor
Pupeitmeister
Posts: 1,161
Registered: ‎11-11-2013
0

Re: The GREAT CC Payoff Challenge!!


Smug wrote:
I win! I pay in full each month

Wow!.. Thats a "Smug" comment !... ROFL... JK.. seriously.. thats Awesome!

 

The purpose of this thread is to help others get to this point :: Points at Smug::: .. PIF for max rewards, least interest.  We all know it takes time to get there.  So, Lets have some FUN along the way!!


OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun
Valued Contributor
Pupeitmeister
Posts: 1,161
Registered: ‎11-11-2013
0

Re: The GREAT CC Payoff Challenge!!


longtime_lurker wrote:

Pupeitmeister wrote:
Shameless bump!

Anyone have a status update?

I have paid off my Amex, MSUFCU, and Citi.

 

Chase will report about a $230 balance and be paid off around the 6th of Feb...so I'm still on track!


Thats GREAT!.. It looks like you are going to be in great shape UTI wise for your next batch of apps when you come out of the garden!!..


OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun

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