maxxed

[luvsandyshores]

Wow nothing like coming back from a vacation and finding out the car needs $$$ repairs.  Now I'm really thankful for the credit cards, but hate what the 90% utilization did to my score! 

Oh well nowhere to go but up!

[payingoffdebt001]

YEP up is in your future! 

[RockinRay]

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@luvsandyshores wrote:

Wow nothing like coming back from a vacation and finding out the car needs $$$ repairs.  Now I'm really thankful for the credit cards, but hate what the 90% utilization did to my score! 

Oh well nowhere to go but up!

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Hey life happens! You will get ahead of this.

[boomhower]

I know the feeling.  HIt up my Lowes card for $2.8k of a $3k line and it hurts for sure.

[LS2982]

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@luvsandyshores wrote:

Wow nothing like coming back from a vacation and finding out the car needs $$$ repairs.  Now I'm really thankful for the credit cards, but hate what the 90% utilization did to my score! 

Oh well nowhere to go but up!

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+1

positive thinking!!!

[mAndrew1980]

Know the feeling quite well. When I was going to Costa Rica this winter, I had a $2500 balance out of a total available CL of $3000. Needless to say it crushed my scores LOL. But hey I've been chipping away since February and I'm down to 16% utl and my scores have gone up a ton.

[john398]

really it shouldnt matter too much unless you plan to app soon, or if you have a bank like barclays that softs you all the time

[smc733]

This is the PERFECT example of why I always say everyone needs to strategically have at least 1 credit card with a low APR.  STUFF HAPPENS, and facing a Chase-level 22.9% APR will make these situations that much more difficult.