OPJan 6, 2022·1 reply
neonfind another credit card with 0% and transfer that s***
just make sure your usage rate stays under 20% for the best credit rating
also you should be putting some of that savings in something higher risk than cash
Are you talking about a high interest savings account? Because I heard that their rates were low
Jan 6, 2022Got my first credit card at 19 & completely screwed up. It takes time to understand it
JayS 🦄Jan 6, 2022·1 replyOakI’m not trying to flex 💀 for November and December I only paid the minimum balance and thought my credit would continue to rise. I now understand it’s the utilization + balance that’s bringing it down.
How did you open so many credit cards without understanding how they work. For someone who apparently hustled enough to save 50k, you are apparently dumb as bricks.
- JayS 🦄Jan 6, 2022Oak
Are you talking about a high interest savings account? Because I heard that their rates were low
Better to get like .5% then get nothing.
But if I was you, I’d take a balance, convert it to USDC and put it into BlockFi and earn 9% interest.
- OPJan 6, 2022·1 replyJayS
How did you open so many credit cards without understanding how they work. For someone who apparently hustled enough to save 50k, you are apparently dumb as bricks.
Did you read or rush to insult? I paid more than the minimum balance for only** November and December and my credit score dropped. Since I was 18 I’ve been using credit cards and paying off the entire balance each month but my goal is to build my credit. I just want my s ore higher than 720.
Jan 6, 2022y’all get on my nerves
f*** you for this thread @op
6isco 🦈Jan 6, 2022make a NFT, sell it, pay off debt
Jan 6, 2022·1 replyStrange brag
- OPJan 6, 2022guysplease
Strange brag
Wasn’t intended to be a brag I just wanted to raise my credit score because it dropped 15 points.
- 0 👀Jan 6, 2022·1 reply
HERE OP
- 0 👀Jan 6, 2022
AWWWW JEEZ DUDE
$350?
I CAN'T DO $350
I NEED MONEY FOR THE PILLS
Jan 6, 2022·1 replyLot of jealousy and envy in this thread
- Jan 6, 2022!https://www.youtube.com/watch?v=oD2gXY4piF40
HERE OP
He really made millions doing this and buying bitcoins
- OPJan 6, 2022worldpeace
Lot of jealousy and envy in this thread
The only thing I wish upon my enemy
Jan 6, 2022If you want to raise your score you have to pay above minimum payment
Jan 6, 2022op be trolling yall with his threads lmao
Jan 6, 2022You cannot be serious...
- JayS 🦄Jan 7, 2022Oak
Did you read or rush to insult? I paid more than the minimum balance for only** November and December and my credit score dropped. Since I was 18 I’ve been using credit cards and paying off the entire balance each month but my goal is to build my credit. I just want my s ore higher than 720.
Idk how to read
Jan 7, 2022Damn 50k?! Lemme hold a few
Jan 7, 2022·1 replyJust pay that s*** off complete and then use your credit cards in rotation while paying them off
Credit ain’t hard lol
- OPJan 7, 2022Troy Ave Stan
Just pay that s*** off complete and then use your credit cards in rotation while paying them off
Credit ain’t hard lol
Yeah I went ahead and paid them off for the most part but left a small balance remaining
Jan 7, 2022OakI need some advice on how to pay off my credit cards and increase my credit score.
I currently have 50k in savings and I owe $2500 on the discover card, $600 on capital one, $2000 on Chase, and $300 on Best Buy CC. I have only been paying only the minimum monthly balance but my credit is starting to sink and I need to know if I should just pay the balances off in full.
Now I previously didn’t carry a balance but I recently moved which prompted some major expenses. So now my CC balances spiraled out of control and my credit dropped. if I pay them off today will my credit increase? Because I checked credit karma and my credit dropped -15 points.
Don't carry balances over to the next month. I do but its on my low APR credit cards
I would pay off the 2500 immediately and worry bout the others later
Jan 7, 2022Why is this dumbass making minimum payments if he has the money
