Been a cycle for me as of late.
- down to 1k cc debt overall > take a vacation, run it up
- pay it down > take a vacation, run it up
- pay it down, accept a new job out of state > take a fall, have to get cosmetic dental surgery (4.5k)
Thankfully the job i took, I'm making the most money I've ever made and that will be paid off next week.
I think having a plan and sticking to it has really helped me. I think I've also been paying too much attention to statement closing dates/ utilization/ reporting, rather than the finances in general. I'm now allotting more to the interest bearing card (savor one) while paying the minimum on the 0% (CFF). The move added some debt, but another 2-3 weeks and I'll be back at 1k to try again lol.
I just got approved for my very first Business card yesterday, Amex Blue Business Plus. My first MR point card too, 0% interest for 12 months.
Starting Score: 512
My apologies I've been missing due to some health issues post covid. Hope everyone is doing well.
score time....
I was a bit nervous this month as I kept getting alerts in the app that my scores decreased but didn't see a reason for it. Decided to pull a report and to my surprise...
EQ 8: 751
TU 8: 748
EX 8: 767
I'm in need of a vehicle (unfortunately). Trust me this is not the right time but current car( much older ) have some issues. I know score will decrease but just not sure by how much.
Had some unanticipated vet expenses this month so my USB Altitude Go went from 56% back up to 67% - I have 0% APR until July 2023 so not a big deal outside of the potential scoring impact. It doesn't report until the 1st, hoping since I'm still below the 69% threshhold the score impact will be minimal. My overall utilization is down about $500 and below 9%.
On the plus side I just refreshed my 3B and all three scores are now over 740! Over a 100 point increase when I started my rebuild in February. 
