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@eviLution wrote:
I'm not in debt so it goes straight to my bank. I ain't getting much back though lol
it will be going too my bank account as well
just going to use some of it to lower my utility.
its nice making 500 a week and having no real bills.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
I plan to garden mine (lol) as I plan on buying a home the end of the year.
@eviLution wrote:
I'm not in debt so it goes straight to my bank. I ain't getting much back though lol
SallieMae Money Market -- currently at 0.95% APY, no minimum, no fees
I pay off my cards monthly so no i won't. I could use it to pay down some of my 0% APR purchases from Best Buy but i don't care about my scores since i'm not getting any new credit so i'll let it sit in the bank and use the offer's full duration.
@eviLution wrote:
Thanks Swamp.
There are better deals as well. I'm getting 3% APY on my BCU savings account. When Chase sends me 12-month 0% APR convenience checks with a 1% fee, I deposit them directly into my savings account and earn a net 2% after the fee.
@SnackTrader wrote:
@ninjamike81 wrote:I am using my refund to pay a $600 balance on my citi card taking my over all util. from 10% to 0% than only letting walmart report b/c I cant get no love from them. but the rest of the 6k left is paying off ALL my wifes baddies. Time for us both to be in the 700's
edit: also buying credit reports for both once all the balances go down and baddies off. here on my fico. any body know if it is frouwned apon to just apply for a morgage just for the tripple pull. my inq are through the roof anyway but can explain to underwriter if it comes up in a review
If you need to see your reports why don't you just go to annualcreditreport.com?
Or are you just looking to get your scores?
I know whats in the reports really want the scores after all the balances paid off
@Mike360 wrote:I pay off my cards monthly so no i won't. I could use it to pay down some of my 0% APR purchases from Best Buy but i don't care about my scores since i'm not getting any new credit so i'll let it sit in the bank and use the offer's full duration.
the two ive done I just paid minimum and then paid in full the last month.
havent really gone on app sprees so dont really have to worry about scores even though i check them everyday lol.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |