I’m debt free..sort of
I'm debt free as of today. I just paid off a $2000 balance on my US Bank Platinum credit card. The largest amount of debt I've ever owed totaled around $42K in the summer of 2007. During that time, BofA dropped my credit line from $12700 to $1500. I worked very hard over the last three years to pay off my credit card debt.
Categories: Finance Tags: bank, credit, credit-card, credit-line, money, month, over-the-last, platinum, small-balances, summer, the-summer, three-years, worked-very
Closing BBuyRewardZone Right After Opening
Just got approved for Best Buy Reward Zone Gold Mastercard with a 100 credit line a few days ago. At first, I thought I would accept this card, allowing good usage to bring the credit line up
Categories: Finance Tags: 0over-the-limit, card, course-the-best, credit, direct-rewards, first-premier, full-on-equifax, money, paypal-buyer, phone, rewards, supervisor, time
Questions on Building Credit
This is my first post on this board, and I just wanted to say I have read through many of the other threads and found them very useful. Thanks for all the great advice ;) I turned 18 earlier this year, and am trying to start building a credit history as I hear potential employers check it, and it will be important for my first mortgage/auto loan.
Categories: Finance Tags: account, banks, cards-as-method, counted-as-part, credit-card, fico, goals, history, money, month, only-the-money, outstanding, spend-the-money, traditional
What would I qualify for?
Hey Guys, I just pulled my Equifax Fico and the score is 747, not too shabby, eh?
Categories: Finance Tags: equifax, equifax-fico, money, not-too, score, uncle-money, utilization
Need a better card with a higher limit
All, I had terible credit a few years ago and began to clean things up to get ready for a home purchase. i started with an orchard bank card that was just awful with a shameful $500 credit limit....
Categories: Finance Tags: credit, discover-card, lenght-it-adds, money, money-becuase, mortgage, rarely-if-ever, recent-verzion, student-loans, verizon
USAA World MasterCard and 2010 Credit Success.
Hello everyone! I had went on an app spree. Well sort of but it was planned
Categories: Finance Tags: auto, current-balance, giggles-looking, honda-insight, installment, loans, military, money, myself-as-well, opinion, revolving, time
Are Crown Jewelers Products For Real?
Does anyone know if Crown Jewelers products are worth the money? Has anyone ever had their products appraised?. Belver
Categories: Finance Tags: crown, crown-jewelers, know-if-crown, money, products, products-appraised, worth-the-money
Best Buy Matercard Payment Hold
So with a $300 CL and trying to make it my primary card I have made 4 payments via HSBC website in the last 2 weeks. I thought since they were actually pulling the money from my account themselves they would release payments immediately. Thursday I got my e-mail payment posted, went to use my card last night and it was declined...
Categories: Finance Tags: account, all-payments, money, payment, payments-via, primary, primary-card, representative, script, thought-since, times-being, verified-myself
BOA – CLI and should I have done this?
Uncle Money is back with yet another Bank of America tale for you Fico kiddies. I have the Amex Accelerated Rewards card ($6800) and the Platinum Visa ($5000). Both accounts have a $0 balance
Categories: Finance Tags: accelerated, account, account-online, america, amex, down-the-road, like-the-4th, money, platinum, platinum-visa, signature, slight-increase, uncle-money
utilization vs balance…
i have 2 cc....one with best buy (hsbc bank) and one with wells fargo... i also have 2 bank accounts, one with wachovia and one with a credit union... my best buy card has a balance of 430 with a credit limit of 2600.....16.5 % utilization my wells fargo card has 160 balance on a 5000 credit limit (new card lol)....3.2% utilization total utilization 590 balance of 7600....7.7% should i pay off my best buy card and shred the plastic or should i stretch out the payments to gain positive history/credit limits? i know that closing accounts have negative impact but, hypothetically, what would i expect if i closed my best buy card in terms of my FICO? in terms of my credit limit with wells fargo? in terms of my future APR with wells fargo?
Categories: Finance Tags: best-buy, checking, credit, credit-card, credit-limit, future, like-the-idea, money, research, savings-account, wachovia