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I have been after her for months. She usually pulls mid 700's (two years ago) She has a MBNA and a Discover card with probably a 60% utilization and that's it. I think both of these cards are in the 15-20% apr range. My thought is she should apply for two more (after she pulls the CR) and assuming that she gets accepted, spread the debt over 4 cards to reduce the utilization. Any ideas?
Just ask her?
Tell her: "resistance is futile..."
It would make most sense for her to do a balance transfer and stop paying interest.
You can always say, "Hunny you should save some money on your CC interest by doing a balance xfer so you have more to shop with!" That should grab her attention
"The Mayan prophecy fortells that only those with good credit will pass into the next katun."
"There are kids in Africa with no credit at all!"
"If you don't check your score, the terrorists win."
"If you don't, I'll divorce you."
@djrez4 wrote:"If you don't, I'll divorce you."
This one could backfire
@shakalaka wrote:
@djrez4 wrote:"If you don't, I'll divorce you."
This one could backfire
LOL!!!!
@ryanbush wrote:Just ask her?
+1
tell her you are trying to get a gauge on your credit situation as a couple and ask her to pull it. If you have separate finances and spending money/budgets, pay the cost.
Have you asked her why she is so resistant to pulling her scores?