I'm Slashing Cards and Issuers by the Knees

[wasCB14]

It would be helpful to have a list of exactly what is remaining, particularly with CLs and/or APRs. Perhaps update the original post?

[Anonymous]

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@wasCB14 wrote:

It would be helpful to have a list of exactly what is remaining, particularly with CLs and/or APRs. Perhaps update the original post?

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• @$1,000 DiscoverIT @ (I think 19.24%, but haven't checked in a while). Obviously I'll keep asking for APR decreases every six months. 
• $500 Citi Double Cash (24.49%)
• $1,500 Empower FCU (11.74%)
• $10,000 (18%) Navy Federal Cash Rewards 
• $5,700 (18%) Navy Federal AMEX
• $2,599 (0% interest, then 23.24%) BBP AMEX. 
• $3,700 Amazon Store Card (26% I think, but I use it for 0% interest on purchases for 12 or 24 months). 

[Cookiegrabber]

If you're going through a mindset issue and you think this is what you need to get back on track, go go go for it!

[UpperNwGuy]

I commend you for taking a fresh look at your financial life and putting your thoughts into action.  Saving and investing are far more important than earning credit card rewards.  Wishing you the best!

[arkane]

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@Anonymous wrote:

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@wasCB14 wrote:

It would be helpful to have a list of exactly what is remaining, particularly with CLs and/or APRs. Perhaps update the original post?

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• @$1,000 DiscoverIT @ (I think 19.24%, but haven't checked in a while). Obviously I'll keep asking for APR decreases every six months. 
• $500 Citi Double Cash (24.49%)
• $1,500 Empower FCU (11.74%)
• $10,000 (18%) Navy Federal Cash Rewards 
• $5,700 (18%) Navy Federal AMEX
• $2,599 (0% interest, then 23.24%) BBP AMEX. 
• $3,700 Amazon Store Card (26% I think, but I use it for 0% interest on purchases for 12 or 24 months). 

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Do you plan on carrying balances? Only reason I ask is APR is largely irrelevant unless it's 0% or low single digits.

[Anonymous]

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@UpperNwGuy wrote:

I commend you for taking a fresh look at your financial life and putting your thoughts into action.  Saving and investing are far more important than earning credit card rewards.  Wishing you the best!

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Let's hope I wake up tomorrow and continue through with my actions. 

[Anonymous]

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@arkane wrote:

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@Anonymous wrote:

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@wasCB14 wrote:

It would be helpful to have a list of exactly what is remaining, particularly with CLs and/or APRs. Perhaps update the original post?

---

• @$1,000 DiscoverIT @ (I think 19.24%, but haven't checked in a while). Obviously I'll keep asking for APR decreases every six months. 
• $500 Citi Double Cash (24.49%)
• $1,500 Empower FCU (11.74%)
• $10,000 (18%) Navy Federal Cash Rewards 
• $5,700 (18%) Navy Federal AMEX
• $2,599 (0% interest, then 23.24%) BBP AMEX. 
• $3,700 Amazon Store Card (26% I think, but I use it for 0% interest on purchases for 12 or 24 months). 

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Do you plan on carrying balances? Only reason I ask is APR is largely irrelevant unless it's 0% or low single digits.

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I might on the Empower one. The APR at 11.74% is only part of the picture... The credit union gives a certain percentage of interest paid back to members on December 31 of each year in their savings account. 

[CreditCuriosity]

how one can live on 37 a week groceries baffled...  whatever works for you on the cc though best of luck

[Anonymous]

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@CreditCuriosity wrote:

how one can live on 37 a week groceries baffled...  whatever works for you on the cc though best of luck

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A single guy who shops at Aldi. 

You can get four cheeseburgers for $6, a medium pizza for $2.50, and other items at a similar price. When all said and done, it's usually less than $40 unless I go all out and buy ingredients for chicken wing dip or something. 

[Anonymous]

I think it's great that you acknowledged certain pattern changes, and taking appropriate action right away. Hope you don't end up closing everything out. 

GL!