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So stankin' pleased w/ myself!

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Regular Contributor

So stankin' pleased w/ myself!

I can't contain my excitement right now! Smiley Very Happy Here's what I'm working with...

  • May 2019 - 1st CC - Navy Go - $15K SL
  • Sept 2019 - 2nd CC - Cap1 QS - $5K SL
  • Sept 2019 (Last night) - 3rd CC - AmEx BCE - $2K SL

I tried to choose CC's that I can use everyday, will grow with time and care and arguably most importantly - I won't grow out of. I want these cards to age with me. Smiley Wink So, now.. I garden in Eden until 2021 2022 (FML)Smiley Frustrated which is when the last of my late payments fall off.

 

But, you want to know what the best part about last night was???? Using all the info I've learned from this board, I approached my spouse and made the following suggestions to improve his credit health -

  1. PC out of Cap1 Plat ($3.5K/6 yrs old) - approved for QS w/ soft pull & an immediate CLI request.
  2. Call USAA and apply for a personal loan to consolidate all debt under 1 rate & payment - $18K unsecured approved at the lowest rate w/ no penalty for early pay off. 

 

It should be noted that his credit is very healthy with scores in the high 7's and a 20 yr history w/ no baddies. Still, he should be thanking me. I just caused every CC he has to go to a 0% UTI as well as a few not so awesome installment accts to close. 

 

Just want to thank everyone for all the advice given & experiences shared.







19 REPLIES 19
Super Contributor

Re: So stankin' pleased w/ myself!

 

"stankin" never heard of the lender?Smiley Very Happy

 

Congrats!!!

 

Message 2 of 20
Community Leader
Mega Contributor

Re: So stankin' pleased w/ myself!

Very NOICE! Time to do the STANKY LegSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 3 of 20
Valued Contributor

Re: So stankin' pleased w/ myself!

Woot woot!! Congrats!!
Message 4 of 20
Regular Contributor

Re: So stankin' pleased w/ myself!

You guys have no idea how much satisfaction I received for subtly proving I was more knowledgable in credit than my know-it-all husband. Smiley LOL

 

I think this was a victory for all woman-kind. Lol.







Message 5 of 20
Valued Contributor

Re: So stankin' pleased w/ myself!

Congrats!!

Message 6 of 20
Valued Contributor

Re: So stankin' pleased w/ myself!

Congrats on your new approvals! Smiley Very Happy

Currently: Gardening since 12/29/2019


Message 7 of 20
Community Leader
Mega Contributor

Re: So stankin' pleased w/ myself!

Lol, i guess us guys cant get past the size of our...limitsSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 8 of 20
Regular Contributor

Re: So stankin' pleased w/ myself!


@AverageJoesCredit wrote:
Lol, i guess us guys cant get past the size of our...limitsSmiley Wink

Yep.. I laughed out loud at this comment. LOL!

 

I am such a simpleton some times. 







Message 9 of 20
Established Contributor

Re: So stankin' pleased w/ myself!

Awesome! Smiley Happy
Make More, Spend Less

Scores as of 10/21/2019


Goal Cards (in order): CSP, AMEX Platinum
Message 10 of 20
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