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@Laugh wrote:
Discover
True, based on what I read here.
I have had no issues carrying a balance on my Chase cards or, believe it or not, my PRG using the extended pay option. I had a 11k balance at one point and it took me about 4-5 months to pay it down (through BTs and paying muliple times a month). This was prior to obtaining a revolving card with enough CLI to cover my vacation expenses. YMMV though as others have claimed that Amex does not like people who carry balances. I've never had a problem.
@somnipotent wrote:I have had no issues carrying a balance on my Chase cards or, believe it or not, my PRG using the extended pay option. I had a 11k balance at one point and it took me about 4-5 months to pay it down (through BTs and paying muliple times a month). This was prior to obtaining a revolving card with enough CLI to cover my vacation expenses. YMMV though as others have claimed that Amex does not like people who carry balances. I've never had a problem.
Well said, I too have the pay over time option and I am not afraid to use it at all. However, I have enough CL and income to NOT to pay 18% interest from the pay over time.
@armbenderc wrote:
@Laugh wrote:
DiscoverTrue, based on what I read here.
Coming up on my 4th year next statement with DSC, maybe I'll give them a call and see if I can do a BT and a SP cli same time. I hate how my score dropped after I paid off my debt, seems like it would be the other way around, but I guess its just part of the game. I will see what they can do for me next month and it will help me raise my score after they show util.
@armbenderc wrote:
@Laugh wrote:
DiscoverTrue, based on what I read here.
That's also what I know.
All of them like you to carry a balance on their card, while carrying $0 on other cards.
Glad to hear this rumour about Citi and CLI. I'm paying 0% now and have 30%v Util. Hope that counts toward some auto CLI love.
FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.
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