Double Cash or Sallie Mae?

[linux007969]

Just hope neither one comes down on me with AA or too i hope none of my current card companies think i'm in trouble and AA me too.

[Anonymous]

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@linux007969 wrote:

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@beautifulblaquepearl wrote:

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@linux007969 wrote:

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@beautifulblaquepearl wrote:
Citibank is known for pulling EQU and EXP for approval. If you receive more cash back rewards with Sallie Mae then app for that one. Wait until some of your inquiries fall off and then app for Double Cash.

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Well I just apped for Sallie Mae....... I'm so bad...............

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Congrats on your approval!!! Nice SL!!! Are you going to wait to apply for the Citibank Double Cash? Inquiring minds want to know... Lol!!!

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Not sure..... i mean what are the chances that if i do and get approved that Barclays finds out i'm cheating on them and close my account or slash the limit?

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Idk. Are you carrying balances on any of your current cards? I know you have one that doesn't have a balance on it.

[Anonymous]

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@linux007969 wrote:

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@Anonymous wrote:

Rock on! Did you app for the DC yet?

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Just did....... I am so very bad..........

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Congrats on your Double Cash approval!!! Remember to check your credit reports to see if they double dipped. You now have 2 cards without balances.

[linux007969]

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@beautifulblaquepearl wrote:

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@linux007969 wrote:

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@beautifulblaquepearl wrote:

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@linux007969 wrote:

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@beautifulblaquepearl wrote:
Citibank is known for pulling EQU and EXP for approval. If you receive more cash back rewards with Sallie Mae then app for that one. Wait until some of your inquiries fall off and then app for Double Cash.

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Well I just apped for Sallie Mae....... I'm so bad...............

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Congrats on your approval!!! Nice SL!!! Are you going to wait to apply for the Citibank Double Cash? Inquiring minds want to know... Lol!!!

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Not sure..... i mean what are the chances that if i do and get approved that Barclays finds out i'm cheating on them and close my account or slash the limit?

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Idk. Are you carrying balances on any of your current cards? I know you have one that doesn't have a balance on it.

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How do you know? LOL........LOL!

my biggest Balance is with bank of america at $2,559.97 out of $5,000

next big balance is with Chase at $554.67 out of $8,000

third biggest balance is with Discover at $345.81 out of $13,000

a few others do have a zero balance

some have small balances like $7.99 and $44.03

[Anonymous]

You now have 2 credit cards without balances. Lol!  

Rule of thumb is to have 1 card report monthly with a balance between 1%-9% utilization of the CL. Credit card companies usually don't like it when multiple cards report balances. It can also have a negative impact on your FICO scores.

Do you have plans to pay down or off any of your balances?

[Anonymous]

NICE!! Congrats on both approvals

[linux007969]

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@beautifulblaquepearl wrote:
Rule of thumb is to have 1 card report monthly with a balance between 1%-9% utilization. Credit card companies usually don't like it when multiple cards report balances. It can also have a negative impact on your FICO scores.

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well my bank of america may take almost a year to pay off which i have till December 2016 to pay it off, i hope to have it paid off by like March 2016 at the latest cuz i know carraing a balance is bad and puts me in big danger!

Chase and Discover should take 3 to 6 months both are at 0% as well but it's no excuse if i can get the money i can pay them quickly as possible.

[Anonymous]

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@linux007969 wrote:

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@beautifulblaquepearl wrote:
Rule of thumb is to have 1 card report monthly with a balance between 1%-9% utilization. Credit card companies usually don't like it when multiple cards report balances. It can also have a negative impact on your FICO scores.

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well my bank of america may take almost a year to pay off which i have till December 2016 to pay it off, i hope to have it paid off by like March 2016 at the latest cuz i know carraing a balance is bad and puts me in big danger!

Chase and Discover should take 3 to 6 months both are at 0% as well but it's no excuse if i can get the money i can pay them quickly as possible.

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You are fast! I can't keep up! While I was editing my response you were responding to it. Lol!

Are you currently taking advantage of an 0% introductory offer on your BOA? If yes, I wouldn't worry about it just yet. I would focus on paying off the credit cards you have with small balances on them. How long do you think it would take for you to PIF them?

[Anonymous]

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@linux007969 wrote:

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@beautifulblaquepearl wrote:
Rule of thumb is to have 1 card report monthly with a balance between 1%-9% utilization. Credit card companies usually don't like it when multiple cards report balances. It can also have a negative impact on your FICO scores.

---

well my bank of america may take almost a year to pay off which i have till December 2016 to pay it off, i hope to have it paid off by like March 2016 at the latest cuz i know carraing a balance is bad and puts me in big danger!

Chase and Discover should take 3 to 6 months both are at 0% as well but it's no excuse if i can get the money i can pay them quickly as possible.

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Who thinks OP could just try to be SLY and apply for the barclaycard Ring... whats the worst that could happen? They will deny at first, you will have to call in to verify some info... if they say no, then its not costing you an extra inquiry! That is a nice starting limit for a salliemae, and kinda useless with its categories anyway...and since u like to carry balances sometimes, the ring would help you do debt shuffles to always have 0% apr

[linux007969]

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@beautifulblaquepearl wrote:

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@linux007969 wrote:

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@beautifulblaquepearl wrote:
Rule of thumb is to have 1 card report monthly with a balance between 1%-9% utilization. Credit card companies usually don't like it when multiple cards report balances. It can also have a negative impact on your FICO scores.

---

well my bank of america may take almost a year to pay off which i have till December 2016 to pay it off, i hope to have it paid off by like March 2016 at the latest cuz i know carraing a balance is bad and puts me in big danger!

Chase and Discover should take 3 to 6 months both are at 0% as well but it's no excuse if i can get the money i can pay them quickly as possible.

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You are fast! I can't keep up! While I was editing my response you were responding to it. Lol!

Are you currently taking advantage of an 0% introductory offer on your BOA? If yes, I wouldn't worry about it just yet. I would focus on paying off the credit cards you have with small balances on them. How long do you think it would take for you to PIF them?

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LOL!!!

i used a Direct Deposit Offer a while back to transfer money from my card to my bank account, like a balance transfer to myself! LOL!

Look at my responce to your previous post it says about my Chase and Discover.

Those other smaller balances are pay in full each month, some reoccuring.