Here once again is a rundown of my credit accounts. Riveting stuff, I know. Please calm down.
Major Credit Cards:
BankAmericard Cash Rewards VISA
Credit Limit: $6,000 + to $10,000 on 12/31
Opened 8/11
Current Balance: $297.82
APR: 16.99%
Annual Fee: $39
Fairwinds Credit Union Platinum Rewards VISA
Credit Limit: $5,000
Opened 3/12
Current Balance: $52.49
APR: 18.00%
Chase Amazon.com VISA Rewards Card
Credit Limit: $2,000
Opened: 6/12
Current Balance: $970.00
Balance Transfer APR on current balance:0% until 12/16
APR: 21.24%
DISCOVER Card
Credit Limit: $6,500
Opened: 9/12
Current Balance: $217.36
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: $4,400
Opened 12/12
Current Balance: $0
APR: 16.99%
Just applied for Balance Transfer of $2,500, 0% until 12/16. 3% fee ($75)
Citi Double Cash Rewards MASTERCARD
Credit Limit: $4,300
Opened: 11/14
Current Balance: $991.34
APR: Intro 0% until 3/2016
First National Bank of Omaha AMERICAN EXPRESS
Credit limit: $5,500
Opened 12/12
Current Balance: $772.57
APR: 5.99% BT for life on current balance. New purchases: 15.99%
Barclay Bank Choice Rewards VISA
Credit Limit: $4,000
Opened: 2/14
Current Balance: $39.44
APR: 19.99%
AMERICAN EXPRESS Blue Cash Everyday
Credit Limit: $4,000
Opened: 10/15* (Retro'd back to 1985? We'll see.)
Current Balance: $552.98
APR: 12.99%
Promo: $150 statement credit if $500 or more put on card within first 3 mos. (As you can see, I've already achieved that.)
Walmart MASTERCARD
Credit Limit: $5,000
Opened: 11/11* (Converted by Synchrony Bank to MC 10/15)
Current Balance: $73.10
APR: 22.9%?
Merchant Lines of Credit:
Dell Financial Services
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: $2,685.61
APR: 8%
Slated for total payoff due by end of December.
Current Debt: $5,880.14
Credit Limit Total: $48,700
Credit Utilization: 12%
Current FICO scores:
711 via Discover as of 11/17/15 source: TU.
711 via FNBO as of 11/11/15 source: EX.
714 via Barclay as of 10/6/15 source TU.
713 via Citi as of 10/27/15 source EQ.
704 via Syncrony Bank as of 12/2/15 source TU.
Non-FICO scores:
3-in-1 Scores as of 11/2/15: Equifax - 754, Experian - 741, Trans Union - 741
Credit Karma scores as of 11/28/15: TU - 730, EQ - 736
Current Plans:
By February 2016, all cards except Citi Simplicity and Chase Amazon.com will be paid off. The balances on these two are under 0% until 12/16. The car loan will be paid off within a few weeks. The BankAmericard VISA will still be used as my primary engaged card with stiff competition from AMEX Blue who's balance should be held at less than $1,000 total at any given time.
Major Credit Cards:
Credit Limit: $6,000 + to $10,000 on 12/31
Opened 8/11
Current Balance: $297.82
APR: 16.99%
Annual Fee: $39
Credit Limit: $5,000
Opened 3/12
Current Balance: $52.49
APR: 18.00%
Credit Limit: $2,000
Opened: 6/12
Current Balance: $970.00
Balance Transfer APR on current balance:0% until 12/16
APR: 21.24%
Credit Limit: $6,500
Opened: 9/12
Current Balance: $217.36
0% rate ending 12/2015
with 3 mos. payoff grace ending 3/2016
then back to APR: 22.99%
Credit Limit: $4,400
Opened 12/12
Current Balance: $0
APR: 16.99%
Just applied for Balance Transfer of $2,500, 0% until 12/16. 3% fee ($75)
Credit Limit: $4,300
Opened: 11/14
Current Balance: $991.34
APR: Intro 0% until 3/2016
Credit limit: $5,500
Opened 12/12
Current Balance: $772.57
APR: 5.99% BT for life on current balance. New purchases: 15.99%
Credit Limit: $4,000
Opened: 2/14
Current Balance: $39.44
APR: 19.99%
Credit Limit: $4,000
Opened: 10/15* (Retro'd back to 1985? We'll see.)
Current Balance: $552.98
APR: 12.99%
Promo: $150 statement credit if $500 or more put on card within first 3 mos. (As you can see, I've already achieved that.)
Credit Limit: $5,000
Opened: 11/11* (Converted by Synchrony Bank to MC 10/15)
Current Balance: $73.10
APR: 22.9%?
Merchant Lines of Credit:
Credit Limit: $3,000
Opened 11/11
Current Balance: $0
APR: 0% if paid in 12 months.
Auto Loan:
Initial Amount Financed: $8,000
Opened 10/13
Current Balance: $2,685.61
APR: 8%
Slated for total payoff due by end of December.
Current Debt: $5,880.14
Credit Limit Total: $48,700
Credit Utilization: 12%
Current FICO scores:
711 via Discover as of 11/17/15 source: TU.
711 via FNBO as of 11/11/15 source: EX.
714 via Barclay as of 10/6/15 source TU.
713 via Citi as of 10/27/15 source EQ.
704 via Syncrony Bank as of 12/2/15 source TU.
Non-FICO scores:
3-in-1 Scores as of 11/2/15: Equifax - 754, Experian - 741, Trans Union - 741
Credit Karma scores as of 11/28/15: TU - 730, EQ - 736
Current Plans:
By February 2016, all cards except Citi Simplicity and Chase Amazon.com will be paid off. The balances on these two are under 0% until 12/16. The car loan will be paid off within a few weeks. The BankAmericard VISA will still be used as my primary engaged card with stiff competition from AMEX Blue who's balance should be held at less than $1,000 total at any given time.