Advice on climbing out of CC debt I joined this sub hoping to see discussions that pertained to my very bleak situation. Instead it seems like every post is “I just received this massive quantity of money. What should I do with it?” lol. So I figured if I want advice, I’ll have to come out and ask for it. Married couple with 2 small kids. We both work. Our combined income is rig…

~$6k in CC debt. What do I do? Hi all, I’m a recent college graduate. During my time at college, I racked up pretty hefty credit card debt. I always paid the monthly minimums on time, mainly because I couldn’t afford to pay off more. My plan was to wait until I graduate and pay it off as quickly as possible, but I’m wondering if there are alternative solutions to my situati…

Offer from one of my CC’s to refinance car loan (Located in the USA) Just bought a car this past February through Carvana (which uses Bridgecrest for financing) and my interest rate is 8.68. I started getting promo emails this week from one of my credit cards (capital one if it matters) to refi the loan at 6.99. My credit is good/very good (transunion and FICO are a little different from each…

Posting another with the front view- again, CC is welcome submitted by /u/Niqhtmarez_

FOTD for a wedding reception – CC welcome 🙂 submitted by /u/Niqhtmarez_

Need help wiping my CC debt Hello everyone, as title states, I’ve accumulated about $7800 in CC debt from 3 cards. What’s happening is that I pay my balance in full (I have some items that are being maid in monthly installments instead of in full) so there is currently no interest on these balances. And then I have no money left over and have to use the cards again. I’m aw…

first time doing lipliner 💋 how’d i do? CC accepted! Constructive criticism is much appreciated :). I’m a beginner when it comes to all things makeup, so I followed this tutorial https://youtu.be/sn0kIwNsCi8?si=OnqPRpqE4_Ofnw2x as I have double lip lines and it turned out so much more poutier! This was a life saver for me to be honest. Side note for myself: I need a nude lipliner for light olive s…

Lightroom CC: Am I Editing RAW or JPEG? I’m relatively new to post editing in Lightroom CC and I’m unsure why my raw files on import looks like there is a film simulation preset applied on it. I shot my photos in RAW + JPEG and when I imported the photos into Lightroom it shows the RAW version but upon import it looks like there were some orange hues from the JPEG version even though …

First CC billing dispute via Square We have our first dispute in which a customer denies having purchased an order of almost $400. The dispute is on CC processed via Square. I need to respond by May 31. Anything I should be aware of? Will I just lose those funds? 😩 I will say it was from a billing address in CA but for delivery at address in OR. But this is normal for us and we h…

Keep debt in LOC or CC? I owe about $6000 on both, lots of room left on both. My CC interest rate is 20.99% and my LOC is 11.20% (variable 4%+prime) Should I pay my CC off fully and just pay down my LOC? I use my CC for bills but I can make those payments as soon as they come out to keep the balance at $0. submitted by /u/Moodygurl666

Just learning shadow/ light game. Any advices? CC only, pls submitted by /u/In_de_Meantime

CC debt and final interest and payment question I’ve carried a balance on a credit card for the past couple of months. My last statement ended on April 16th, with a payment due date of May 13th. Let’s say I pay the statement balance (which is also the current balance since I haven’t been using the card) on May 2nd. If I start using the card again after that payment posts, will I be charged da…

Planning large CC purchase + balance transfer — what’s the right timing? Hi all, I’m planning to put a large purchase on a credit card and pretty quickly transfer most of the balance to a new card to take advantage of a 0% APR balance transfer promotion. My question is whether I should apply for the new card BEFORE or AFTER I make the purchase? I have excellent credit (800+ score, 2% utilization) so I’m basically won…

$20k CC Debt – Personal Loan or ? I’ve done a personal loan in the past for paying off some accrued debt from a less than fortunate occurrence. I’m looking for other options and opinions on how to go about handling my current $20k CC balance @ a high interest rate. A 36 month personal loan payment would basically be the same monthly payment as my monthly interest. What are my …

Help! Graduating from cc cream to real foundation. Lost. I’ve been using Neutrogena anti aging perfector cc cream for a very long time. I like that it’s lightweight and dewy and blends in super easy. However, I’m getting older and I’d like something more full coverage for nights out/special events. But I’m lost!! I want something full coverage that doesn’t feel cakey or packed on and gives a sort of …

Home equity for CC debt? Wife and I have $90k debt between us, mostly credit card, high interest. We keep up with payments but min payments cost us $2300 a month. Thinking about taking $90k home equity loan at 8% to pay it off over 5-10 years. Would close all cards after they’re paid. We’re clearly not credit card people. House is worth $160k, we owe $25k on it. Always …

16 Month CC Debt Progress Ohhhh boy. 23M. I maxed out all my credit cards while in college not working, it was great until the interest started hitting. Took like 3 years to build it all up lol. I dropped out to work full time and knock it down. Here’s been my progress. January 2023: $16500 in CC debt, credit score dropped to around 550. All my cards were maxed out. It …

CC plz. Kinda obsessed with this new eyeliner shape I’ve been doing lately. submitted by /u/liltooter

CC – how to find my daily look? Please give me constructive criticism on how to improve🥹🙏 I’m trying to find my “daily look”, something that makes me feel pretty but doesn’t seem like “too much” (I get excited while doing my makeup and I may go a bit overboard sometimes). I feel like whatever I try, there’s always something off… I don’t know if it’s the eyeshadow or the lip co…

Paying off CC debt with savings I know this has been asked before, but not as specific as what I’ve been able to find. I currently have 9k in CC debt, and have about 12k in checking, plenty in stocks, and plenty in my 401k. I am newly married, and we are looking to buy a house, not aggressively, but we are in the process of saving for a down payment. Looking for advice on if…