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lol No offense taken.
My UL is very high because im at my limit and and always carry a balance. I am just realizing that I should have been PIF and not using so much of my limit. I do have quite have about 4-5 inquiries too. I just cant seem to get more towards the 700 range. I really want that to be my year end goal. Do you think its achievable?
Im only itching for a new card because prior to the last few months I hadnt applied for anything in 2-3 years. I know that I need to stay in the garden though but the anxiety is killing me
Aw I'm so thankful you took the time to give me your input. You could be my financial dad lol.
its funny you mention change when you pay because this has to be where i go wrong. I do make multiple payments throughout the cycle but my bal isn't low a few days before the statement cut. I have to change this ASAP this is exactly why paying multiple times throughout the cycle hasn't helped me. Rats!!
I vow vow to make these changes because I really want to get my score up by my birthday. It's a gift I'm giving to myself plus I'd like to purchase property sometime next year.
THANK YOU!!!🤗
Aw I'm so thankful you took the time to give me your input. You could be my financial dad lol.
its funny you mention change when you pay because this has to be where i go wrong. I do make multiple payments throughout the cycle but my bal isn't low a few days before the statement cut. I have to change this ASAP this is exactly why paying multiple times throughout the cycle hasn't helped me. Rats!!
I vow vow to make these changes because I really want to get my score up by my birthday. It's a gift I'm giving to myself plus I'd like to purchase property sometime next year.
THANK YOU!!!