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$0.00 balances across the board

tag
Repo-ed
Senior Contributor

$0.00 balances across the board

...that is all Smiley Very Happy

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 1 of 24
23 REPLIES 23
Burned2manybridgesB4
Valued Contributor

Re: $0.00 balances across the board

Congrats???

Message 2 of 24
Luscher
Valued Contributor

Re: $0.00 balances across the board

no debt!
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 3 of 24
CS800
Super Contributor

Re: $0.00 balances across the board

Congrats !

 

By next year, I will be there too. Well minus my car payment and mortgage but no CC debt




Message 4 of 24
minipoly1
Contributor

Re: $0.00 balances across the board

I thought 1% util is better than 0?


Amex BCE $17,600 | CSP $6,200 | PayPal Extras MC $3,000 | Discover $3,000 | BofA $3,000
Last app: Oct 1, 2013. No app until 2015 or new credit card with big bonus introduced.
Message 5 of 24
migliogiorni
Established Contributor

Re: $0.00 balances across the board

congrats Smiley Very Happy

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 6 of 24
creditnocash
Valued Contributor

Re: $0.00 balances across the board


@minipoly1 wrote:

I thought 1% util is better than 0?


for score purposes it is. but for not having too pay anything its not Smiley Wink



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 7 of 24
emptypockets
Valued Contributor

Re: $0.00 balances across the board

That's Great!! Good job!!

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 8 of 24
minipoly1
Contributor

Re: $0.00 balances across the board


@creditnocash wrote:

@minipoly1 wrote:

I thought 1% util is better than 0?


for score purposes it is. but for not having too pay anything its not Smiley Wink


Haha, I think you do have to pay, it's the matter of paying BEFORE or AFTER statement cut Smiley Wink


Amex BCE $17,600 | CSP $6,200 | PayPal Extras MC $3,000 | Discover $3,000 | BofA $3,000
Last app: Oct 1, 2013. No app until 2015 or new credit card with big bonus introduced.
Message 9 of 24
Crashem
Valued Contributor

Re: $0.00 balances across the board


@Repo-ed wrote:

...that is all Smiley Very Happy


Awesome man.  CONGRATS!

               LIMITS IN CARD DESCRIPTIONS
Message 10 of 24
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