The current balance on my Citi Rewards+ card is $472 w/ $5800 CL w/$125.09 paid this cycle. It's the last card statement coming out for two weeks. I still have 13 months of an interest free period left. I'm going to pay another $10 on it before it cuts so my score will have the best chance as I want to apply for the Citi Custom Cash card soon. I could pay more but then I would use up all 3 of my cashback debit cards that earns 5% or more calculating other bills to pay. Will that $10 additional help the score and history a lot or not really? I noticed my EXP went up 9 points because I paid $695.12 on my Double Cash last time plus the inquiry from Chase aged a year. Also does any creditor offer an option where you can pay more than the minimum but not the full balance where you can be off the hook for a minimum payment next month (min is $41)? I don't think there is one but its frustrating to try and pay a little more and then have the same minimum amount be required the next time around.
As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.
Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma
Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
