I've been busy today with my financial accounts working on interest rates and credit limits and the like. Here's the new rundown:
Major Credit Cards:
BankAmericard Cash Rewards VISA
Credit Limit: +$2,000 to $6,000
Opened 8/11
Current Balance: $644.18
APR: 18.99%
Annual Fee: $39
Fairwinds Credit Union Platinum Rewards VISA
Credit Limit: $5,000
Opened 3/12
Current Balance: $1,418.37
APR: 18.00%
Chase Amazon.com VISA Rewards Card
Credit Limit: +$1,200 to $2,000
Opened: 6/12
Current Balance: $64.98
APR: 21.24%
DISCOVER Card
Credit Limit: + $1,500 to $4,500
Opened: 9/12
Current Balance: $413.90
*New* 12 mo. 0% rate ending 12/2015
with 3 mos. payoff grace ending 3/2016
then back to APR: 22.99%
Citi Simplicity Card VISA
Credit Limit: +$1,100 to $3,100
Opened 12/12
Current Balance: $910
All under a Balance Transfer 0% until 7/2015
then APR: 16.99%
First National Bank of Omaha AMERICAN EXPRESS
Credit limit: +$2,000 to $5,000
Opened 12/12
Current Balance: $387
APR: 0% on current balance, new purchases: 15.99%
Barclay Bank Choice Rewards VISA
Credit Limit: +$2,000 to $4,000
Opened: 2/14
Current Balance: $895
APR: Intro 0% until 2/15
Still waiting on adequate resolution on points problem and a 24-48 hr credit for fraud charges...we'll see. Horrible customer service and lousy rewards redemption value. :(
New Card:
Citi Double Cash Rewards MASTERCARD
*New Card As of Today*
Credit Limit: $1,500
Opened: 11/14
Current Balance: $0
APR: Intro 0% until 3/2016
Going to balance transfer remainder of Barclay balance come Feb.
Merchant Credit Cards/Lines of Credit:
Walmart Credit Card
Credit Limit: $3,300
Opened 11/11
Current Balance: $1,015.66
APR: 22.9%
Dell Financial Services
Credit Limit: $3,000
Opened 11/11
Current Balance: $0
APR: 0% if paid in 12 months.
Current Debt: $5,600
Credit Limit Total: $37,400
Credit Utilization: 14.97%
EDIT: The credit for the fraud charges on the Barclays card was in fact applied within 24 hours and a week later I requested and received an increase of $2,000 on the credit limit for that card. This amount is reflected above and the totals given above were adjusted accordingly.
Major Credit Cards:
Credit Limit: +$2,000 to $6,000
Opened 8/11
Current Balance: $644.18
APR: 18.99%
Annual Fee: $39
Credit Limit: $5,000
Opened 3/12
Current Balance: $1,418.37
APR: 18.00%
Credit Limit: +$1,200 to $2,000
Opened: 6/12
Current Balance: $64.98
APR: 21.24%
Credit Limit: + $1,500 to $4,500
Opened: 9/12
Current Balance: $413.90
*New* 12 mo. 0% rate ending 12/2015
with 3 mos. payoff grace ending 3/2016
then back to APR: 22.99%
Credit Limit: +$1,100 to $3,100
Opened 12/12
Current Balance: $910
All under a Balance Transfer 0% until 7/2015
then APR: 16.99%
Credit limit: +$2,000 to $5,000
Opened 12/12
Current Balance: $387
APR: 0% on current balance, new purchases: 15.99%
Credit Limit: +$2,000 to $4,000
Opened: 2/14
Current Balance: $895
APR: Intro 0% until 2/15
Still waiting on adequate resolution on points problem and a 24-48 hr credit for fraud charges...we'll see. Horrible customer service and lousy rewards redemption value. :(
New Card:
*New Card As of Today*
Credit Limit: $1,500
Opened: 11/14
Current Balance: $0
APR: Intro 0% until 3/2016
Going to balance transfer remainder of Barclay balance come Feb.
Merchant Credit Cards/Lines of Credit:
Credit Limit: $3,300
Opened 11/11
Current Balance: $1,015.66
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: $5,400
APR: 8% (currently working to reduce)
Current Debt: $5,600
Credit Limit Total: $37,400
Credit Utilization: 14.97%
EDIT: The credit for the fraud charges on the Barclays card was in fact applied within 24 hours and a week later I requested and received an increase of $2,000 on the credit limit for that card. This amount is reflected above and the totals given above were adjusted accordingly.