comenity credit decreases

[LakeLife]

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@Anonymous wrote:
Over time, you’ll develop habits and get a sense for what works and how to best do it, and you can adapt to it. For the short term though, go scorched earth. All bills on autopay as a backup plan, make active payments on each account, hold enough in reserve to make at least the minimum payments if not more (more is better), and take 5-10 minutes each and every day to eyeball each account. You’ll probably find that you enjoy it, and seeing payments always made, and score increases that accompany them, will give you a great feeling and help you move up to bigger and better in the future. Good luck!

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In bold is huge and something I use to avoid when I wasn't as prolific with my credit as I am now.  Now I look at each account everyday.  This serves a few purposes.  One, you're staying on top of your credit lines by knowing when payment is due and/or received.  Two and most importantly, you're forcing yourself to look at your spending.  Keeping your head in the sand in regards to your spending is disastrous, because we all know how fast it can add up.  Today for example, I looked at my current daily driver and thought, "Ok, it's a bucket of $2 beers at the local sports bar instead of a bottle of wine at that fancy Italian restaurant this weekend."  since I have a preset monthly limit.  Third, it's a good way to check my credit scores on a regular basis.  

Regardless, good luck in your journey!

[CreditCuriosity]

As other stated you are being balanced chased.  Hopefully one day you can get your finances in order and not as you say stink with money/finances as you are paying alot more in bounced/overdraft checks fees possibly and very high interest rates, etc.  If you can overcome that and get your finances in order with good credit you can save alot of money in interest whether it is buying a new car at a lower APR and other things needed later in life such as obtaining a house, etc, etc.  I use to stink myself at money and spent more than I earned and what got me on this forum and it was an eye opener and changed my whole financial life since being on and learning not to spend what you don't have aka paying interest, etc.. If you can't afford something then don't charge it, think of charge cards as cash if you can't pay them in full by due date, then don't make that charge!  Once you have years of discipline and better credit then you can start to make credit work for you and use 0% promo periods etc.  Just some stuff to chew on if interested