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looks to me like you need to buy some oodles n noodles and throw every penny you can towards the $5800 you owe between now and december. why are you paying off the $1000 at zero interest? makes no sense.
Obviously the chase card is the 10 thousand pound giant in the room that needs to be addressed first sa the interest rate goes crazy coming up and the other cards you have a bit of breathing room or at least a decent APR in comparison to what chase will become. Different methods of paying off debt that others should ring in on here shortly that have been in your exact shoes
I work at Chick-fil-a and I'm a kitchen manager. I pretty much only eat at work unless my boyfriend cooks. The thing that sucks is i have my phone bill, car and health insurance I'm still trying to find a second job cause we have Sunday's off but who wants to hire someone for two days? Not alot of people. LOL. I started out with 4 cards that needed to be paid off. I just paid off one two months ago which was at 2k. I had a bad accident on memorial day and the citi card was my emergency card incase something happened and I had to use that since I don't have my physical cards anymore. (had to get my mouth stitched back together and didn't have dental).
Having been in the same predicament (albeit significantly higher balances), I know how tough it can be to get approved for new cards when you are maxed out. At least you are looking for options before the interest skyrockets your minimum monthly payments, so you have that going for you. They're going to be hard pulls for sure, but if you truly want a balance transfer card your best bet is going to be with a credit union. I am not sure how Navy is with high util, PenFed can be hit or miss, NASA FCU did approve me when my balances were near their peak and that's what helped me make a plan and begin to get out of debt (still a long way to go). If you do go that route, please try to figure out a way to pay much more on your cards so you don't end up in the same predicament again, only with even higher balances.
I would advise getting a budget working. You need a way to not incur new debt to be able to reverse the trend of debt.
YNAB is a favorite of a few including me. Dave Ramsey or Mint are other options.
When that Chase card hits full interest, the finance charge the first month will be around $125 just in interest.
First try to get all cards below 90% utilization. Lenders see 90% utilization and above as maxxed out.
Chase below $ 5,200
Barclay below $5,850
At that point continue to push those balances down. Many of us here have been in deep with credit debt, it can be done but will take some effort.
Good luck on finding the second job.
I'm in a relationship and live with my boyfriend of 3 years so i don't have to worry about bills besides my own. He's very understanding and wants me to get rid of the debt cause it stresses me out pretty bad.
@Anonymous wrote:Trying to pay off as much as I can but its hard when you only make $12.50 an hour and have other bills and need to eat! haha.
You make $12.50 an hour and want to continue to put off paying your bills by transferring balances to new sucker banks who you think don't know you can't pay them back?
When you got into this credit game you promised your word was good. Seems like you want someone else to take a loss so you can continue to gain.
Your credit score is an indication of your long term ability to pay your bills.
You should never go over 30% on one single card. A $30,000 line of credit does not mean you can spend $27,000 and make $100 monthly payments.
You might need 7 years off to learn a lesson. Try Ramen Noodles for 3 or 4 years. haha. Sorry but you struck a nerve. I would go 30 days without food before charging on a card I knew I could never pay back.