Scorpio sun. Scorpio moon.Cap asc

I'm dumb I didn't put it the rice pot lmao
Posted by PootyButt
Posted by Stensco21
Posted by PootyButt
Posted by Stensco21
Posted by PootyButt
Posted by Stensco21
Yea lol


I love how honest you are. LOL

So, in what way or ways?


Everything. With their relationships. Phones. Snoooping phones all of it.


Oh, damn. So, did it make you feel better to do that? Did you get caught?


No I always find something to get pissed about and I always tell them I did it


Hahaha! Oh my. How does that go over? Honestly, I'd be less pissed if someone checked my phone and then reported their crime to me immediately than if they were doing it all the time and taking notes like some kind of PI.
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I usually find something and report it lol so they are more focused on being caught then me being on their phone hehe
Posted by PootyButt
Posted by Stensco21
Posted by PootyButt
Posted by Stensco21
Yea lol


I love how honest you are. LOL

So, in what way or ways?


Everything. With their relationships. Phones. Snoooping phones all of it.


Oh, damn. So, did it make you feel better to do that? Did you get caught?
click to expand


No I always find something to get pissed about and I always tell them I did it
Posted by PootyButt
Posted by Stensco21
Yea lol


I love how honest you are. LOL

So, in what way or ways?
click to expand


Everything. With their relationships. Phones. Snoooping phones all of it.
Posted by cheekyfaerie
Posted by Stensco21
Posted by cheekyfaerie
Posted by Stensco21
Also I just changed jobs how will effect my employment when they ask at credit unions or for a balance transfer?


Ew. They're gonna ask your income and it doesn't sound like you have much at the mo. :/


I know


As soon as you can tho, a balance transfer to a 0 APR for 15mths or so will give you time to chip it down and keep rolling it over again.

My suggestions to you are:

1) sign up with Credit Karma. Totally free and they will give you the tools you need to slowly improve, on a daily basis, things that will ultimately improve your credit score. They'll even give you your odds of being accepted for certain cards, without your credit having to take a hit and then get denied anyway.

2) Digit. It's a savings account that sneakily takes out a little here and a little there, going off of your spending habits. You can set it so it won't make a deduction if your account falls below a certain amount. You can deposit more savings into it or transfer back into checking at any time.

Last year, with Digit, I managed to painlessly save $ 550 in less than 3mths. Can't tell you what a blessing that was when an unexpected "act of god" popped up not 2wks before my vacation!

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Okay awesome I will try all of this
Posted by cheekyfaerie
Posted by Stensco21
Also I just changed jobs how will effect my employment when they ask at credit unions or for a balance transfer?


Ew. They're gonna ask your income and it doesn't sound like you have much at the mo. :/
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I know
Also I just changed jobs how will effect my employment when they ask at credit unions or for a balance transfer?
Posted by nikkistar
Posted by Stensco21


No I don't have anything I could use for collateral and don't want to bother someone to be a co-signer..

Also is my credit card minimum payment increasing because the change in recent interest rates lately? It's increasing 10-15 dollars a month.


Yes, that is why. That's what most people don't realize about most credit cards.
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Yes that's why I charged my car so high. I didn't realize this. Makes sense now.
Posted by DivaCanLeo
These are the questions I have:

1) do you have children
2) how do you spend your money
3) Are you a student


I ask these questions because 1) you can start a secondary job to pay off your debt 2) Eat more at home 3) Don't go shopping as much 3) Transfer balances to 0% interest cards

and do the snowball thing or pay the higher interest cards first...then attack the others...

I'm def getting a second job. And calling credit unions and trying balance transfers today.
Posted by Stensco21
Posted by DivaCanLeo
what are your habits now stenso....like how do you spend your money?



I have no children and I'm a realtor. Only problem is my license is in Oklahoma and I moved to Texas after split w ex. Relied heavy on my credit cards for the move and I'm very impulsive with money. This credit card thing is the most debt I've ever had not including a car note.
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Posted by DivaCanLeo
what are your habits now stenso....like how do you spend your money?



I have no children and I'm a realtor. Only problem is my license is in Oklahoma and I moved to Texas after split w ex. Relied heavy on my credit cards for the move and I'm very inoujshce with money. This credit card thing is the most debt I've ever had not including a car note.
Posted by nikkistar
Posted by Stensco21


No I don't have anything I could use for collateral and don't want to bother someone to be a co-signer..

Also is my credit card minimum payment increasing because the change in recent interest rates lately? It's increasing 10-15 dollars a month.


Yes, that is why. That's what most people don't realize about most credit cards.
click to expand


Oh lord lol
Posted by Deedee86
Posted by Stensco21
Posted by Deedee86
Posted by Stensco21
Posted by Evoxxxscorpio
only way to to do it is talk to your cc or pay the ones with the most interest and focus on that and just make minimum on the other ones.


Okay what about balance transfers to other credit cards? Do you know anything about this?

I've done that in the past. Whenever I get offers for 6 months zero APR I transfer my balances over and try to pay it off before the intro rate ends.

Last one was Capital One a couple years ago.

How much did they allow you to transfer?

It think it depends what credit limit you get approved for. I was approved for $ 7500 credit limit but I had $ 3000 on other cards so I transferred it all.

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What was your credit score like? If you don't mind me asking? I'm trying to gage if applying for one is worth a credit ding.
Posted by Deedee86
Posted by Stensco21
Posted by Evoxxxscorpio
only way to to do it is talk to your cc or pay the ones with the most interest and focus on that and just make minimum on the other ones.


Okay what about balance transfers to other credit cards? Do you know anything about this?

I've done that in the past. Whenever I get offers for 6 months zero APR I transfer my balances over and try to pay it off before the intro rate ends.

Last one was Capital One a couple years ago.
click to expand

How much did they allow you to transfer?
White men are always child molesters too.
Posted by nikkistar
Posted by DivaCanLeo
Posted by Stensco21
Posted by nikkistar
I am in Finance, so I can tell you, if you do choose to consolidate, and you are not approved from those cards. I would suggest going to a small credit union in your area. Credit unions are usually more flexible with their credit stipulations when getting an unsecured personal loan. A lot of times, even if you have a derogatory item on your account, if you give them an explanation for it, and proof that you are working towards paying it, they will approve you.

If your credit is in the mid 600's, your interest rate on a personal loan should be around 10-14% .

I send people to credit unions to obtain loans all the time, because most of them have 5-8% . Only problem with most of them, is they don't really report to credit agencies. So if my clients are looking to build credit towards a business, it really isn't too good.


Does it reflect poorly if you pay your credit cards off w a loan? On your credit score?


i would never do that. ever.


not cause of your credit score, but a loan to pay off debt


sounds like a bad idea


The only way it is a bad idea is if the debtor pays the debt off, but then goes and uses the cards again.

I am hoping the OP does not do this, but pays the credit cards off, and keeps only 1 open.

If the OP does that, then in all likely chances, the CC's are charging a minimum of 18.99% APR that probably has a stipulation that it could increase depending on the market rate. Which means it could fluctuate drastically.

Given that, the OP would be spending far less in interest at 10-14% . HOWEVER, do not do this, if your sole intention is to pay off the debt, and continue using the credit cards.
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After I pay the cards off I'm done. Learned my lesson.