Yeah, I’m done for a while. I’m immediately going to start using and PIF on these cards, so hopefully the lenders will see quickly that I’m going to behave.😂
As soon as the BBVA card gets here I’m going to select utilities as my 3% category, which is over $1100 per month total, and that’s basically all I’m going to use it for most of the time. I’m also going to funnel all groceries and gas through the BCP. With all my chil’rens running around, maxing the $6000 per year on groceries will be easy, and worth the AF to me. (One of them is a teenage offensive lineman, if anybody wants to donate to a worthy cause!!😂😂) In fact, I’ll alternate at least one quarter with the Disco card when groceries are 5%, because we’ll blow past the BCP’s $6000 max in probably 8 or 9 months otherwise.
I plan on using the PayPal for everyday spend on everything else, except when I can use the Disco 5%.
IDK if it means anything in the scheme of things, but I went and linked my bank account for each card the first day to have everything ready to PIF. I’m going to PIF the day the statement cuts on all of them as well.
As soon as the BBVA card gets here I’m going to select utilities as my 3% category, which is over $1100 per month total, and that’s basically all I’m going to use it for most of the time. I’m also going to funnel all groceries and gas through the BCP. With all my chil’rens running around, maxing the $6000 per year on groceries will be easy, and worth the AF to me. (One of them is a teenage offensive lineman, if anybody wants to donate to a worthy cause!!😂😂) In fact, I’ll alternate at least one quarter with the Disco card when groceries are 5%, because we’ll blow past the BCP’s $6000 max in probably 8 or 9 months otherwise.
I plan on using the PayPal for everyday spend on everything else, except when I can use the Disco 5%.
IDK if it means anything in the scheme of things, but I went and linked my bank account for each card the first day to have everything ready to PIF. I’m going to PIF the day the statement cuts on all of them as well.
I would actually wait a day or two to pay it of in full or make a payment in general after the statement generates... This is just my experience. But even more importantly.. Do not be afraid to make payments mid cycle .. id consider paying it off in full before the statement generates only if your trying for an AZEO before applying for another product ...
-J
@joltdude
Yeah, I guess I’m wording it wrong - what I do on my Disco and Summit card is pay off the full balance before it generates to keep my utilization low. My Sync card cuts on the 15th and the Disco cuts on the 21st. I make sure I’m at zero balance, or at least really close, when the statement cuts.
Yeah, I guess I’m wording it wrong - what I do on my Disco and Summit card is pay off the full balance before it generates to keep my utilization low. My Sync card cuts on the 15th and the Disco cuts on the 21st. I make sure I’m at zero balance, or at least really close, when the statement cuts.