well the cash advance is because AFCU allows me to transfer money from the card to my checking i just do that so it reports something i typically have no use for my credit cards so this was the only strategy i could come up with.. im really only building as a job and something to improve on and better myself because im so use to spending cash its like i have them but dnt have them ... and that payment lol... long story with that but thats another thing im looking to accomplish get that payment lowers i transfered 3000 negative equity from a previous car loan onto a new car and i ended up upside down and having to lease instead of finance so im looking to finance it soon .....
I am not familiar with AFCU but charging a cash advance just so it can report a balance does not seem the best way to help your rebuild. Why not put the Netflix on this card?
@myjourney wrote:
@shaun2009 wrote:my 2nd question was my build strategy is this effective or not here goes :
on the AFCU i charge my EZ Pass on every month 75 bucks pay it before statement cuts then charge cash advance 10 dollars so it reports a balance on CRA report day...At 1st you threw me but I see what your doing...stop the cash advance after you pay it off buy some gum, chips and water and let it report or $10 worth of gas.Cash advance is costing you money
on the FP i have it for all my monthly subscription services such as here , eliminateID, netflix and thats about it so that about 40 bucks or a lil below PIF b4 due date...
then on US Bank i will charge my AT&T cell phone bill $70 and PIF before statement due date..
While also maintaining a car note of 656 a month.... now my way of managing all those things in timely manners is auto pay and automatic transfer and bill pay....
Effective enough as charges or not....
ok will do that just gonna charge my lunch on it one day lol... thats about 5 bucks a day but is the overall strategy effective enough does repetitivness like raise a flag on manual reviews or anything .....
cheers now my only problem is patience i have yet to find the essence of patience im literally on here everyday looking for a better way to speed the process but its nearly impossible lol...
lol yea i been there .... im just so anxious to make a post on this forum not asking for help but being one of the pppl saying ohh just got approved for this and that ..... i see a new one everyday and then say crap its gonna take me forever to get there....i just want at least 1 unsecured and ill be content for a while i just need a shot without the long wait...
@shaun2009 wrote:
lol yea i been there .... im just so anxious to make a post on this forum not asking for help but being one of the pppl saying ohh just got approved for this and that ..... i see a new one everyday and then say crap its gonna take me forever to get there....i just want at least 1 unsecured and ill be content for a while i just need a shot without the long wait...
We all understand that the dreaded app itch we all suffer from it Lol
Look forward to seeing you back in the garden and update your garden signature when you get there
how long would you say i should garden for before i can get at least a prime card mainly barclay i have my eye on or US Bank ... for now... but my file is thin so how much time should i demonstrate before trying for one of those...