My inner Veruca has been tamed well. My credit stabilization efforts of the past few years has progressed nicely. Here's a current rundown of my credit situation:
Major Credit Cards:
BankAmericard Cash Rewards VISA
Credit Limit: $4,000
Opened 8/11
Current Balance: $516
APR: 18.99%
Annual Fee: $39
Fairwinds Credit Union Platinum Rewards VISA
Credit Limit: $5,000
Opened 3/12
Current Balance: $0
APR: 18.00%
Chase Amazon.com VISA Rewards Card
Credit Limit: $800
Opened: 6/12
Current Balance: $0
APR: 21.24%
DISCOVER Card
Credit Limit: $3,000
Opened: 9/12
Current Balance: $0
APR: 22.99%
Citi Simplicity Card VISA
Credit Limit: $2,000
Opened 12/12
Current Balance: $0
APR: 16.99%
First National Bank of Omaha AMERICAN EXPRESS
Credit limit: $3,000
Opened 12/12
Current Balance: $657
APR: 0% on current balance, new purchases: 15.99%
Barclay Bank Choice Rewards VISA
Credit Limit: $2,000
Opened: 2/14
Current Balance: $860
APR: Intro 0% until 2/15
Merchant Credit Cards/Lines of Credit:
Walmart Credit Card
Credit Limit: $2,600
Opened 11/11
Current Balance: $180
APR: 22.9%
Dell Financial Services
Credit Limit: $3,000
Opened 11/11
Current Balance: $0
APR: 0% if paid in 12 months.
Major Credit Cards:
Credit Limit: $4,000
Opened 8/11
Current Balance: $516
APR: 18.99%
Annual Fee: $39
Credit Limit: $5,000
Opened 3/12
Current Balance: $0
APR: 18.00%
Credit Limit: $800
Opened: 6/12
Current Balance: $0
APR: 21.24%
Credit Limit: $3,000
Opened: 9/12
Current Balance: $0
APR: 22.99%
Credit Limit: $2,000
Opened 12/12
Current Balance: $0
APR: 16.99%
Credit limit: $3,000
Opened 12/12
Current Balance: $657
APR: 0% on current balance, new purchases: 15.99%
Credit Limit: $2,000
Opened: 2/14
Current Balance: $860
APR: Intro 0% until 2/15
Merchant Credit Cards/Lines of Credit:
Credit Limit: $2,600
Opened 11/11
Current Balance: $180
APR: 22.9%
Credit Limit: $3,000
Opened 11/11
Current Balance: $0
APR: 0% if paid in 12 months.
Auto Loan:
Fairwinds Credit Union Auto Loan on 2013 Chevy Spark
Initial Amount Financed: $8,000
Opened 10/13
Current Balance: $6,677
APR: 8%
Got to work next on getting these interest rates down. Not that I plan on carrying over amounts that would rack up interest charges much but it stings when I let an account carry even $500 over...that's like $6 to $10 interest!