@thebanjoman wrote:
If you've got a good BT offer, use it to accelerate your plan, not change it up. You've paid off a card a month so far, so your strategy seems to be working, why change it up? If you're targeting low balance cards in hopes of freeing up monthly-minimum cap room; use the offer to drop a slew of cards (preferably low limit cards with high utilization, like PC3/PC7). If your existing plan is calling for attacking high interest rate cards, use it to drop or eliminate the balances on the worst of your interest rates.
The only reason I'd see to make an exception and target DWs utilization only is if I had thought the targeted efforts would yield a 0% BT for DW with a likely similar size CL or larger.
Perfect. Thank you.
Reducing DW's utilization would help her score, but would NOT yield a bigger or better card / CL for her as she still has a few baddies out there...
I'm going to BT a few of the low limit cards "in hopes of freeing up monthly minimum cap room".
Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.
Zero percent financing is where the devil lives...
