@visualfxpro wrote:Ladies and gentlemen. It has arrived! I already bought lunch AND they let me pay it off already! Nice they don't block you from paying pending charges. So basically I paid it off before the charge was even active.
So now today I'll move ALL my auto pays to this card. Then I'll just rotate using the other cards for small stuff, but for now until mortgage close, I'll only use this card, so I will only have one cards with balance and less risk. No way I'm going ANYWHERE near even 30% until. So it will be tiny stuff reporting or stuff that won't hurt me.
I'm FREE!! No more watching EVERY SINGLE purchase! No need to worry so much about credit score either. I already have disputes going so nothing else for me to do but keep this card tight. My biggest stress was keeping until down, but that is not issue now.
And when I get my house this will come in handy for any large expenses, since money will be tight in the begining and my score won't matter. It will be down post mortgage and I'm not applying for any credit right now, unless I have to sell my card for downpayment after market crash. However I'll be able to get a car loan easy I think. Get it cheap enough and I can even pay off early to get something later with better rate.
Curious how my score looks in a year.
Navy is awesome! I can tell you they will let you carry debt just make sure to mske payments on time
. Besutiful card. If i could have 4 Navy cards id get it just to have it 😆
@AverageJoesCredit wrote:
@visualfxpro wrote:Ladies and gentlemen. It has arrived! I already bought lunch AND they let me pay it off already! Nice they don't block you from paying pending charges. So basically I paid it off before the charge was even active.
So now today I'll move ALL my auto pays to this card. Then I'll just rotate using the other cards for small stuff, but for now until mortgage close, I'll only use this card, so I will only have one cards with balance and less risk. No way I'm going ANYWHERE near even 30% until. So it will be tiny stuff reporting or stuff that won't hurt me.
I'm FREE!! No more watching EVERY SINGLE purchase! No need to worry so much about credit score either. I already have disputes going so nothing else for me to do but keep this card tight. My biggest stress was keeping until down, but that is not issue now.
And when I get my house this will come in handy for any large expenses, since money will be tight in the begining and my score won't matter. It will be down post mortgage and I'm not applying for any credit right now, unless I have to sell my card for downpayment after market crash. However I'll be able to get a car loan easy I think. Get it cheap enough and I can even pay off early to get something later with better rate.
Curious how my score looks in a year.
Navy is awesome! I can tell you they will let you carry debt just make sure to mske payments on time
I assume you mean by increasing my limits over time? How high do they go anyway?
@visualfxpro wrote:
@AverageJoesCredit wrote:Navy is awesome! I can tell you they will let you carry debt just make sure to mske payments on time
I assume you mean by increasing my limits over time? How high do they go anyway?
Well cli are every 6 months per card after you have been approved for a card or cli. I mean i put a substantial amount of debt on my CR helping my Dad and Navy didnt blink an eye.i even got one last cli out of them before hitting my max which is amazing of them. Just have to make sure not to miss payments lol.
@AverageJoesCredit wrote:
@visualfxpro wrote:
@AverageJoesCredit wrote:Navy is awesome! I can tell you they will let you carry debt just make sure to mske payments on time
I assume you mean by increasing my limits over time? How high do they go anyway?
Well cli are every 6 months per card after you have been approved for a card or cli. I mean i put a substantial amount of debt on my CR helping my Dad and Navy didnt blink an eye.i even got one last cli out of them before hitting my max which is amazing of them. Just have to make sure not to miss payments lol.
Is'nt that normal though? I did not thing it was a thing for credit card companies to care about how much credit you use. It's your credit score that hurts. I think banks just care that you paying.