Veruca's off her chain and spreading mayhem around the golden egg wrapping room, tossing shit to and fro. But will she be so bold as to actually go so far as sitting her ass on the sorting scale?
I'll let the numbers below speak for themselves. Where it goes from here is anybody's guess.
CREDIT CARDS
No Set Credit Limit
Opened: April 2018 (Note: Member Since 1985)
Current Balance: $153.40
APR: N/A
Annual Fee: $195
Credit Limit: $15,000
Opened: October 2015 (Note: Member Since 1985)
Current Balance: $69.55
APR: 14.74%
Annual Fee: $95
Chase Amazon Prime Rewards VISA
Credit Limit: $7,000
Opened: June 2012
Current Balance: $19.98
APR: 22.99%
Annual Fee: none
BankAmericard Cash Rewards VISA
Credit Limit: $11,200 (This is down from $15,000 after opening the Mastercard)
Opened: August 2011
Current Balance: $3,120 (BT @ 0% until 12/19)
APR: 18.99%
Annual Fee: none
BankAmericard Platinum Plus Mastercard
Credit Limit: $10,000 (When opened, was 8K with CL of VISA reduced to ~13K by bank. Called CS and had CLs reordered as current to minimize CU%)
Opened: April 2018
Current Balance: $2,540.15
APR: Currently under BT and purchases promo 0% until 8/19 then 17.49%
Annual Fee: none
Choice Privileges Platinum Rewards VISA by Barclays
Credit Limit: $10,000 (Previously reported as 15K in error)
Opened: February 2014
Current Balance: $0
APR: 21.74%
Annual Fee: none
Discover More Card
Credit Limit: $17,200
Opened: September 2012
Current Balance: $3,929.28
APR: Currently under 0% BT and purchases until 2/23/19 then 24.49%
Annual Fee: none
Citi Double Cash Rewards Mastercard
Credit Limit: $7,200
Opened: November 2014
Current Balance: $0
APR: 20.24%
Annual Fee: none
Citi Simplicity VISA
Credit Limit: $7,300
Opened: December 2012
Current Balance: $1,458.25
APR: Currently under 2 different BTs. $345.16 @ 0% until 8/18; $818.03 @ 10.99% until 6/20. Standard APR: 18.49%
Annual Fee: none
Fairwinds Platinum Rewards VISA
Credit Limit: $5,000
Opened: March 2012
Current Balance: $0
APR: 18%
Annual Fee: none
First National Bank of Omaha American Express
Credit Limit: $5,500
Opened: December 2012
Current Balance: $441.38
APR: Majority under BT Promo of 6.99% until paid off but I forgot this account was connected to Steam and I made a purchase of $9.92 so now that is under 17.49%. This is how it begins...
Annual Fee: none
Walmart Rewards Mastercard by Synchrony Bank
Credit Limit: $8,000
Opened: October 2015
Current Balance: $66.48
APR: 24.40%
Annual Fee: none
OTHER
Dell Financial Services Line of Credit: $3,000 (Still valid per recent CIT notice)
CREDIT UTILIZATION
Total Credit Line: $106,400.00
Total Debt: $10,790.75
CU: 9.86%
CREDIT SCORES
TU 764
EQ 764
EX 770
(Scores have dropped some 40 points or so in June due to rising debt. This is surprising since I assumed the scores wouldn't start dropping until 30% CU but it could be due to ~25% CU on the BAMC prior to adjustment or maybe debt to income ratio despite no declared changes in income on my part after termination, or it could be the D/I ratio based on my previously recorded salary since the current debt would be a bit more than 25% of that.)
ASSETS
Cash: $567
Checking: $8,735.92
Savings: $5,819.20
403b: $37,244.58
Automobile: $7,310 (per Mint.com)
Metals: 10oz. Ag (Silver) @ current spot = $161.00
Stocks: Made $18 thru Robinhood, currently cashed out
Cyber: $0
Real Estate: none
Furnishings resale value (est.): $1,450
Current Forrest Total*: $41,354.33
*(Excludes vehicle and furnishings. Accounts for 30% hit on 403b for early cash out)
NET WORTH
$50,562.95