Hiya MY,
I have a lot of cards also but none are overmaxed. this is what I found
double wammy on score....over limit
Get these down as fast as you can so that they are not over limit
I learned that if I pay within the 20 grace period the min. pmt goes futher. the limit comes down faster because you are not getting hit so hard with intrest.
So start with over limit and don't forget you MUST pay more then the mo.charge or you will still be over the next month. I got caught 2 months in a row with that, I paid more then they asked for but when they added the next int. cost, I was still over limit. The **bleep** fees will kill ya.
Pay every CC usually at least 10 days befor due date.
PAY CAP 1 off as fast as you can...they do not show CL on your report so it always looks like maxed.OR Double pmt on other cards so you UTIL shows lower & just pay min. on Cap1
was that clear????
OMG I got *bleeped* lmao
Message Edited by HappyDays on
07-29-2007 10:35 PMMessage Edited by HappyDays on
07-29-2007 10:36 PM