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Which would be better for my credit score? i owe approx. $250 on two cards(credit one & Matrix) & $150 on total rewards visa. I am getting a $500 bonus check for car sales this month. Should i a liitle on all my cards($100 or so) or pay off one and make minimum payments...yes i know i shouldn't carry a balance but i had some unexpected expenses come up last month. WHAT SHOULD I DO?
Thanks for the input,
AUBURN
@trying_to_B_good wrote:Which would be better for my credit score? i owe approx. $250 on two cards(credit one & Matrix) & $150 on total rewards visa. I am getting a $500 bonus check for car sales this month. Should i a liitle on all my cards($100 or so) or pay off one and make minimum payments...yes i know i shouldn't carry a balance but i had some unexpected expenses come up last month. WHAT SHOULD I DO?
Thanks for the input,
AUBURN
Pure credit score... pay down as many of the cards to $0 you can.
What are the credit limits on the cards?
@myjourney wrote:What are the credit limits on the cards?
credit one- 400 matrix -300 total rewards-500
oh and i forgot one! i owe 400 to amazon with a 800 limit.....yeah this one was the wife!!!
payoff credit one and matrix and close matrix!
what you trying to raise your score for? depending you can't close matrix right now but Im pretty sure those fees are terrible!
@trying_to_B_good wrote:oh and i forgot one! i owe 400 to amazon with a 800 limit.....yeah this one was the wife!!!
Your just over 30% UTL so pick the ones with the highest interest and pay the largest amount you can then pay the mininum on the rest...That all you can really do now just keep working on them in order of interest rate
oh im always tryin to raise my scores for better cards. yeah matrix is $99 a year fee and 21% interest...terrible huh, but all my cards are"unsecured"lol yeah right with those fees the might as well be secured huh? but im trying to raise my scores for one year(with no new apps) and then see if i can get some better cards....HERE'S HOPING!
thanks for the advice creditaddict! you always post on my stuff!
AUBURN
How long have you had all these cards?
When is last time you asked for increases?
sounds like some sound advice!
@myjourney wrote:
@trying_to_B_good wrote:oh and i forgot one! i owe 400 to amazon with a 800 limit.....yeah this one was the wife!!!
Your just over 30% UTL so pick the ones with the highest interest and pay the largest amount you can then pay the mininum on the rest...That all you can really do now just keep working on them in order of interest rate