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orl2185 wrote:
Brammy wrote:
BTW there are lots of single parents, lower income workers, etc.... that carry credit cards and carry balances. Some have one heck of ascore to boot.
YES YES YES, I hear ya there. I myself make less then 30k yr. I admit it, not a loaded person by any means. However look at my scores... Key is management instead of not being able to pay in full all the time. Yes, I have savings in cu and bank accounts. Big deal... I also agree with you about the judgemental comments that was mentioned before. Wish I could become self employed one day...
Ain't all its crackd up to be most days!!! LOL!! Maybe I should start a credit consulting biz...lol!! Would need all you guys' help tho.
Brammy wrote:
orl2185 wrote:
Brammy wrote:BTW there are lots of single parents, lower income workers, etc.... that carry credit cards and carry balances. Some have one heck of ascore to boot.YES YES YES, I hear ya there. I myself make less then 30k yr. I admit it, not a loaded person by any means. However look at my scores... Key is management instead of not being able to pay in full all the time. Yes, I have savings in cu and bank accounts. Big deal... I also agree with you about the judgemental comments that was mentioned before. Wish I could become self employed one day...Ain't all its crackd up to be most days!!! LOL!! Maybe I should start a credit consulting biz...lol!! Would need all you guys' help tho.
Message Edited by Brammy on 12-14-2007 09:20 PM
@orl2185 wrote:
No to be offensive, but why do I even bother to come to this forum to have folks bash me. So what they pay in full... Again, SORRY
@kclb wrote:
Hm.
I hope I'm posting in the correct section. Anyway, I've had my Amex Delta since November '07. Initial CL was $2k and my first balance was about $250 which I PIF. I asked for CLI and got $3k. 2nd Statement did not come but I'm around $500 balance. Am I spending too much? I want to make AMEX my primary. I also intend to pay PIF for most of the time or at least more than the minimum that's due. Healthy to use it often or should I spread it amongst my other cc's or debit card?
Mahalos!
@Anonymous wrote:
@kclb wrote:
Hm.
I hope I'm posting in the correct section. Anyway, I've had my Amex Delta since November '07. Initial CL was $2k and my first balance was about $250 which I PIF. I asked for CLI and got $3k. 2nd Statement did not come but I'm around $500 balance. Am I spending too much? I want to make AMEX my primary. I also intend to pay PIF for most of the time or at least more than the minimum that's due. Healthy to use it often or should I spread it amongst my other cc's or debit card?
Mahalos!
If you're PIFing then you're never spending too much. And if you're PIFing, then charge it on your card that offers the best reward, that should be your only criteria. If you're not PIFing, then put it on the card with the lowest APR, and that should be your only criteria.