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Congrats on the CLIs!!!
Do you use your both cards or are they SD?
@Anonymous wrote:Congrats on the CLIs!!!
Do you use your both cards or are they SD?
I actually use the BofA Cash Rewards card quite heavily, especially since you can now choose among several 3 percent reward categories. The Amex card only sees occasional use since it only gives 2X MR points; used mainly for non-category spend.
@Anonymous wrote:
I actually use the BofA Cash Rewards card quite heavily, especially since you can now choose among several 3 percent reward categories. The Amex card only sees occasional use since it only gives 2X MR points; used mainly for non-category spend.
Thanks for the info. Do you let your balance report before PIF?
@Anonymous wrote:
@Anonymous wrote:
I actually use the BofA Cash Rewards card quite heavily, especially since you can now choose among several 3 percent reward categories. The Amex card only sees occasional use since it only gives 2X MR points; used mainly for non-category spend.
Thanks for the info. Do you let your balance report before PIF?
The way I use my credit cards is that I typically will PIF on the either the Payment Due or Statement Close date of the current month. I forgo the 21-25 day float period and basically use my cards as debit cards. So, for example, I will pay my Discover card down to zero on May 5 even though the charges for April are not required to be paid until June 5. That practice gives me flexibility to chose not to pay immediately on a given month.
But when I have a new "High Balance" I allow the card to report the entire amount even if I can pay it off. To me, it demonstrates to the lender, or anyone else reviewing my credit report, that I genuinely need the limit(s) I have.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I actually use the BofA Cash Rewards card quite heavily, especially since you can now choose among several 3 percent reward categories. The Amex card only sees occasional use since it only gives 2X MR points; used mainly for non-category spend.
Thanks for the info. Do you let your balance report before PIF?
The way I use my credit cards is that I typically will PIF on the either the Payment Due or Statement Close date of the current month. I forgo the 21-25 day float period and basically use my cards as debit cards. So, for example, I will pay my Discover card down to zero on May 5 even though the charges for April are not required to be paid until June 5. That practice gives me flexibility to chose not to pay immediately on a given month.
But when I have a new "High Balance" I allow the card to report the entire amount even if I can pay it off. To me, it demonstrates to the lender, or anyone else reviewing my credit report, that I genuinely need the limit(s) I have.
LOL
You must be my twin lol, I do the same thing 100% the way you pay credit cards Congratulations on the Clis
Congrats @MaizeanBlue.well done my friend
Congrats on the CLIs!
@Anonymous Congrats on your increases
@Mahraja wrote:Congrats @MaizeanBlue.well done my friend
Thanks man... you and Gmood1 taught me well