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Xist · 05-13-2020, 08:47 PM

Navy Federal:

I gave my brother pizza and he allowed me to pass.

Right, so my credit information was months out-of-date. I believe that is around when I paid off my student loans. I start accruing interest on my credit card June First, so I plan on paying it off at the end of the month. Right now I owe exactly $7,000 and my limit is $24,100. Mom freaked out when I told her my limit.

Huh. I guess that I have had it for almost a year. It seems like longer, but they gave me a 0% APR for twelve months with zero transfer fees.

I am at 29% utilization with this card, but I owe $0 on my Bank of America card. The limit is $3,300. I also owe $0 on my USAA credit card. The limit is $9,500.

I am sure that I could buy lots of things with the combined $36,900 limit.

Oh well. I enjoy buying as little as possible just fine.

My score will be higher when I pay off my card. It is supposed to grow further still as my accounts get older, except I want to earn more interest than 0.25%.

I am trying to get 4% until I find a better use for my money.

My score would be higher if I had loans?!

Edit! I didn't tell BankRate that I wanted FHA loans, so it didn't show me any.

05-13-2020, 08:47 PM	#236 (permalink)
Xist Not Doug Join Date: Jun 2012 Location: Show Low, AZ Posts: 12,186 Chorizo - '00 Honda Civic HX, baby! :D 90 day: 35.35 mpg (US) Mid-Life Crisis Fighter - '99 Honda Accord LX 90 day: 34.2 mpg (US) Gramps - '04 Toyota Camry LE 90 day: 35.39 mpg (US) Don't hit me bro - '05 Toyota Camry LE 90 day: 30.54 mpg (US) Thanks: 7,225 Thanked 2,217 Times in 1,708 Posts	Checking your credit score is the first thing you should do! Navy Federal: I gave my brother pizza and he allowed me to pass. Right, so my credit information was months out-of-date. I believe that is around when I paid off my student loans. I start accruing interest on my credit card June First, so I plan on paying it off at the end of the month. Right now I owe exactly $7,000 and my limit is $24,100. Mom freaked out when I told her my limit. Huh. I guess that I have had it for almost a year. It seems like longer, but they gave me a 0% APR for twelve months with zero transfer fees. I am at 29% utilization with this card, but I owe $0 on my Bank of America card. The limit is $3,300. I also owe $0 on my USAA credit card. The limit is $9,500. I am sure that I could buy lots of things with the combined $36,900 limit. Oh well. I enjoy buying as little as possible just fine. My score will be higher when I pay off my card. It is supposed to grow further still as my accounts get older, except I want to earn more interest than 0.25%. I am trying to get 4% until I find a better use for my money. My score would be higher if I had loans?! Edit! I didn't tell BankRate that I wanted FHA loans, so it didn't show me any. Attached Thumbnails __________________ "Oh if you use math, reason, and logic you will be hated."--OilPan4 Last edited by Xist; 05-13-2020 at 08:53 PM..