Credit card transfer Good evening, I have a credit card through 1st financial, that has a high utilization balance of $8,000. I am paying the minimum balance monthly at $350-$370 I got an offer from discover for 0% APR on transfers. But I was only approved for $6000. Would it be worth transferring the amount for the 0% APR offer? And will my 1st financial bill go d…

Credit card debt is making me feel trapped I can’t seem to get ahead of it. I have a good paying job but I’m not happy where I’m located and my job, etc, and my credit card debt has me trapped here and in this job. I make about $160k, and have about $21k in credit card debt. I have a car payment that is also high because of some “fancy financial footwork” on a previous vehicle I wanted b…

Lower credit score because person DOES NOT have a mortgage?? I’ve seen credit denial letters plenty of times. I have one on my desk now that is confusing. I’ve never known a negative creditworthiness factor to be “Lack of real estate secured loan information.” I’m understanding this as the credit score is negatively affected because the person does not/has never had a mortgage. The credit inquiry was fo…

Best option to help my credit? Background: 24yr old student working part-time. $38k in student debt (which will go up as I’m still in school…), $3k charged off CC, $3k active CC, and $4k in savings. 648 FICO score (648 trans, 598 equifax credit scores per CK). Hi, I am looking for some advice on what to do to help my credit score long term. Basically, I got stuck paying for s…

Debit and Credit dilemma Hey, everyone I’m not this financially educated person and I started to keep track of my finances. At the moment I met a Credit and Debit issue. I have a credit card that I use occasionally to buy groceries and beers from time to time. Also, I have my income debit card that I use to close my credit debt. The issue is, that I’m logging my cre…

Honest question: what does having a good credit score actually get you? I’m shopping for a new car and will finance around 50% part of it. Doing the online calculator to play with options (increase/decrease down payment, change length of loan, etc) and it asks for your credit score. I am 800+ so I selected that option and it did nothing to the payment. The payment didn’t change until I toggled the option to 720 whic…

For those who don’t have/use a travel credit card, how do you go about making purchases during your trip? Do you use your credit card and just accept the foreign transaction fee? Do you estimate how much you need and bring cash (obviously abiding by the amount limit for your designation)? Or bring your debit and withdraw from an ATM at your destination’s airport? Need hacks 🙏🏼 submitted by /u/tiledbathroom

LPT: Credit Card Cashback If your group usually has one person paying the bill, use your credit card to pay instead. That way, you earn cashback or points from everyone’s expenses. submitted by /u/sTrSour

Why was I declined a credit card. I’m planning a cruise soon and figured I should take advantage of royal Caribbean’s credit card through Bank of America. I applied online and was declined. I have no idea why. Relevant info: 780 credit score $100,000/yr income No debt besides a $285,000 mortgage. Bank of America is my regular bank Probably the reason: I already have a credit ca…

Should I use zero interest loan offered by my mom to pay off my credit cards and the rest on car Mom offered to loan me 21,000 to pay off the car and just pay her with 0 interest in 500 dollar payments. I was just unsure if it would make more sense to payoff all my credit card debt and use the remainder for the car? Currently owe around 14936 in credit card debt with varying apr rates Chase 1 20.2 7,700 Chase 2 27.5 3,300 Bank of America no…

Confused on credit dispute and large difference in credit numbers between companies. So for context, last month I had about 3k in credit card debt, down from 6k the month prior. My credit score for transunion and Equifax were 724. At the end of September I paid off another 2.6k and got my utilization on all my cards under 20%. For some reason on my report this month on CreditKarma my Equifax score dropped to 696. I checked throu…

Can i get by with only a credit card in Denmark and Germany? I will be traveling solo to Denmark and Germany for 2 weeks and this is my first time in Europe. I am from Canada and never carry cash with me as every place I go to takes my Mastercard or Visa. My question is it better to just keep using my Canadian credit cards in Denmark and Germany? If i do bring cash, should i exchanged it to DKK and EUR be…

High 600/700s on credit, low debt, best credit cards? I was able to bring my credit score back up over the last 1-2 years. I high 600s-700s on them all. I don’t have a lot of debt, outside of a few new small things pop up out of nowhere for some reason, like a internet bill I swear I paid when I moved that’s 5+ years old but just now hit my credit. Then a confusing list of separate charges from a d…

Credit card autopay x10 to build credit score If I open 10 credit cards (over 10 months) and set it up so each is charged $1 per month and then autopays $1 each month, will that improve my credit score? submitted by /u/Master-Awareness2864

Should I cancel a credit card that I don’t use and has an annual fees but has a big credit limit? I have an American Express Delta Airlines Skymiles Gold credit card that was initially free for the first year but now comes with a $100 annual fee. I don’t use it frequently enough to justify the cost, but it has a substantial credit limit of $20,000, which accounts for 50% of my total credit limit. I’m contemplating whether to cancel this card…

Should I close this credit card with meh rewards? Hi! Last October I opened a Capital One Quicksilver card to use the 15 month 0% and rewards to buy new tires for my car. The 0% is going to end in January and I can’t see any reason to keep this account open. The card has gets a lousy 1.5% back on all purchases and that’s it. It’s my last choice for daily use because all the other ones I have a…

Will getting a second credit card help my credit score? I’ve had a credit card for about a year and was offered a second one. I have an average credit score but would like for it be higher. I wouldn’t really use the card because I have no need but figured if it would help my credit score why not. submitted by /u/angieisamess

Dad froze moms credit, she’s not able to unfreeze it? My parents are going through a separation and my mom has found out that my dad froze her credit. She wants to be able to get her own credit card separate from their joint account, but isn’t able to. She’s called Experian, Equifax, and Transunion and was able to lift the freeze on Experian. The other two send confirmation texts to my dads phone n…

‘She did not put Travis Kelce on the Map’: Cavs give credit to tight end before superstar The question remains if Taylor Swift gave Travis Kelce clout. These Cavs players shared their thoughts.

How to pay a credit card?? So my family never taught me about credit cards, everytime I asked they never said anything. Now I’m 23 and I decided to use one and now I have credit card debt. When I began paying the card it was $3,600 now I’m at $4,222 I’m struggling to make payments because I don’t understand them. On my account website it says my mumim card payment is $11…