Thank you! I will surely do that in near future.. hoping my card arrive within the next day or so (i dont like using that temp paper) because i need some white capris to go with a pretty green and white top for my destin fl trip at months end.. now that i know i can use only $5 on the KC and pay the remainder with my barclay (i use that one for everything i love their reward program) i think thats totally cool! I too will be paying the balance in full for all cards here forward except every 2-3 months where i will report a 1-6% balance for bonus credit score points,..
Speaking of barclay card,... ASK AND YOU SHALL RECEIVE (well some times =),... I called today and asked if i quailfied for a rate reduction and i got the max 4% off,.. went from 24.9% when i first got the card to 20.9% last year,.. now today from 20.9% to 16.9% !!! just for asking! I love barclay and ive decided to roll all my bills that doesn't require a checking auto payment to that card,.. so now my cellphone bill,. internet bill, all groceries and gas go to barclay and i get 2X points on them and 1X points on all other purchases,.. will be paying in full once i get it down to $0,.. currently as stands i have paid off all my credit cards but the barclay, NF plat, and the little thats on kohls and cap1 to start the relationship... by months end all cards will be paid off in full but barclay and NF plat,.. i will then pay down barclay to $1200 giving it a 22% UT and a grand combined UT of 29% for all cards (due to $4500 on NF plat) & finally finally finally bringing me under the 30% rule,.. At this rate I will be credit card Debt Free by Dec 1 2015 (3 months earlier than my goal of by Mar 1 2016).. I can't wait!!
p.s
Even tho i really want a travel card for free flights , i dont want the annual fee associated with them, (or the ding if i dont get approved)),, the cap 1 venture one offers 20,000 bonus points ($200) and is without an annual fee but i wont qualify for that until im 700s across the board,.. so ive decided to turn my barclay card into a "free flight" card and save alllll my points each year until i have enough for a free flight,.. 10,000 points will give me $100 but since i get double points and up to 8x points in the barclay shopping mall to stores i already shop at,.. i can easily rack up 20,000-30,000 points in a calendar year which will give me $200-$300 to redeem for flights,... of course i wont be getting any bonus points,.. but its something i can do now until i qualify for pre-approved prime travel rewards cards.
Time to start using credit cards to PAY ME vs Me Paying credit card fees!!
Logged into Barclay Fico ~ New score is 655 from 644! TU... Credit karma fako says 627 vantage.. Going to continue to pay down credit card debt at $1000 extra a month and stay im garden until 2016.
Less than 50 points away from 1 reporting company being in 700s club,.. will I get membership before year end??
Less than 50 points away from 1 reporting company being in 700s club,.. will I get membership before year end??
while im knee deep in this garden ive decided to have a little (safe) fun,... although im not applying for new cards and credit i can still see where i stand beyound my reg credit monitoring,.. this is why i love the pre-screen offers on sites like chase, discover & etc,.. since its not a hard pull it wont take points away but it lets you know when you have advanced to the next credit level! so far Discover has an offer for me",.. they couldnt find any offers for me just 4 weeks ago =/,... but i wont be tempted as they burned me before due to equifax,..(which is now up 27+),.. still staying in the garden as promsied until 700 club,..
NEW<<<<< so i have a outdated baddie that should have been removed in 2014 (first premier card) i disputed it through experian credit tracker app customer service but now im worried i may have stirred the pot. i told them that account was supposed to be removed by now and a little about the big misphap about the payment in full agreement i made, maybe i should have shut my mouth and just asked for it to be removed due to time limit.. im afraid i might have a paid updated collection on my hand vs a deleted item.. only time will tell... but i wish i could go back to my statement and withraw it,.. oh well
I really wanted to stay in the garden,.. but my dryer went out,.. and i know i could have just gotten another dryer but ive been wanting a pretty Red set for a while and it was going to be my new home purchase gift to myself next year,.. but things happen and i made a choice i will have to live with... i went to hhgregg and bought a new set it was $2221.04 after hoses, kits, pedestals, and taxes,.. i was approved for a $3000 store card (syncrony bank) and 0% interest until 2018 (which really helps ) and 5% off using card) im going to pay it off before the interest kicks in.. score at time of purchase was 652
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*******Update*************
what did my new purchase on credit Really cost me???? Experian credit tracker app told me if i would get a new store card I would lose 5pts,. in the credit score simulator,.. and its very accurate!,.. I started with 652,.. got an 8 point dip to 644 (credit inquiry and new account age drop i assume) then a 3 point bump to 647 (balance decrease from sleep center card and possibly lower utilization due to higher credit limit?) but once everything balanced i was 5 points in the hole. Experian informed me of credit changes before any of my other apps,. im actually still waiting for them to tell me so many changes has occured (credit karma, barclay score, cap 1 score, credit seasme),.. this is the reason i plan to keep a paid score monitoring in addition to the freebies,.. hence you get what you pay for lol =),... Now disclaimer,.. the new balance on my HHG card has not reported yet,.. its saying $0 balance with a open date of July 1 2015 which is not true,. I opened it on July 27,.. new balance may not reflect for 30 days but could be as early as tomorrow,.. will have to wait to find out if any additional point loss once balance updates,.. the balance is $2221. i dont plan to be in a rush to pay this one down since its 0 interest until 2018,.. im going to stick with most of my orginal plan and pay off the barclay and NF Plat.. they are the only credit cards left to pay (besides HHG) i have paid off all other cards,.. Barclay will be paid in full by Sept 1st, and NF in full by Dec/Jan1... The plan for the remainder of the year and ALL of next year is paying statement balance in full for all interest cards (keep them in rotation use every 4-6 months) and paying $100 a month on HHG until 2018 when i will pay remaining in full (going to use it for the 1-5% utilization since i get more points that way vs 0% ut... but no interest. =) until next time...
Current score 647
current credit limit $22,700
current Ut 32%
MileStone Reached!!!!
Today I checked the mail and I received my First PreQualifed Gas Card Offer!! Texaco / Chevron!! Of course I ripped it apart and trash it but yaeee ppl have me on the list!
<<<<>>>> Update on the First Premier baddie... it will remain on my report until Feb 2016,.. i guess because of the date it was reported vs how old the account is.,. ugh.
Woke up to a cli bump, Wells fargo (my oldest account) gave me my first auto increase since unsecuring my secured credit rebuilding card. From $1400 to $2700. I did use to keep a high balance on it maybe thats the reason it took nearly 3 years to get an increase,. June 2015 i paid the balance off in full and have maintained a 0 balance with them for a while so now they want to give me money when i dont need it,.. hmm- i see how they work now,.. anyway i have to use this card monthly because they dont report 0 balances if no activity, and i really want the new credit line to show,.. so today i'll fill up my gas tank and maybe get a snack. may go ahead and change one of my monthly reoccuring bills to WF.
Total Credit Line Now- $24,000
(Only $1000 shy of my next goal of $25K,..)
Fico- 650
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>MileStone Reached!!!!!!!!!!!<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<
$$$$$$$$25,000K In Overall Credit Limits$$$$$$$$$$$$$$$$$$$$ Yaeee!!! I finally made it to my 1st MiniMega Goal of $25K in Credit and it feels quite nicely. Going from a $400 Secured card to $25K Unsecured in less than 3 years is something to be proud about. The last $1000 in limit was done with a cli from Cap One... Awesome day hitting that Love Button!!..
Next thing in the List>>>>>>>>>> Reducing Utilization to less than 10% then 1% and Geting all Scores in 700 Club!!