Re: Garden Club Meeting - November 2012
11-04-2012 06:13 PM
im not spending more then i can chew. but i almost feel bad now not pif if it ever came to that.
i have enough to make everything 0 but thatll leave me with about 100 dollars in my checking account.
all of my cards are 0 due because they are all new charges expect my zync which is due by the 15th. which i will pif even new charges.
get paid every friday.
should i let a couple balances report? and have more cash in checking?
move over from savings?
why do i feel bad leaving a balance? lol
its not like i get charged interest unless i let it report 2 months in a row without pif.
I let balances report on two of my cards, BoA and SDFCU, which are the cards I use daily. BoA is on a 0% promotion, so I will let that report and take my time paying it. SDFCU I usually pay in full, but I don't bother to catch it right before the statement because I use it every day and have been lately putting some large purchases on it. My scores are barely effected by having these two cards report decent balances ($2500+ sometimes). My creditors are not complaining. I don't need any other cards at this point in time. I would just let the your cards report. If you see a drop in your score and want to apply for new credit soon, then just pay it off the next month before the statement.
FICO Scores: EQ:712 TU:691 EX:707