Carryover from the 100,000 board.
One card, two cards, three cards too many! Per the most recent full credit report from Equifax, and for those who inquired, the cards I have and the limits on them are as follows. The balance due follows the limit. AmEx Hilton: 6500/2535AmEx Blue: 3100/752Amazon/Synchrony: 4700/128 *pay off in progressBOA Reward: 4500/748 *0% balance transfer offer until Feb 2017BOA Outdoor: 3500/850 *0% balance transfer offer until Feb 2017Brandsmart: 6400/0Care Credit: 10,000/4685 *0% for the next 9 months.Capital One: 4000/2016Citi Thank You: 5300/2840Citi Simplicity: 7600/1974Citi/Home Depot: 3000/312 *The last time this card showed a 0 balance the credit limit was decreased by $500. I keep a balance on it, then.Comenity/Bjs: 3500/1025Discover: 6500/1700 *0% balance transfer available for another 7 months. JCP/Synchrony: 5100/1965Target: 800/0 *rebuilder card. CLD to $800 from $1100 2 years ago. GM Flex: 750/0 *rebuilder card, never an increase after 5 long years. What to do, what to do? I so want to thank all of you for your sound advice. It's always so greatly appreciated!
MercyMe wrote:
One card, two cards, three cards too many! Per the most recent full credit report from Equifax, and for those who inquired, the cards I have and the limits on them are as follows. The balance due follows the limit. AmEx Hilton: 6500/2535AmEx Blue: 3100/752Amazon/Synchrony: 4700/128 *pay off in progressBOA Reward: 4500/748 *0% balance transfer offer until Feb 2017BOA Outdoor: 3500/850 *0% balance transfer offer until Feb 2017Brandsmart: 6400/0Care Credit: 10,000/4685 *0% for the next 9 months.Capital One: 4000/2016Citi Thank You: 5300/2840Citi Simplicity: 7600/1974Citi/Home Depot: 3000/312 *The last time this card showed a 0 balance the credit limit was decreased by $500. I keep a balance on it, then.Comenity/Bjs: 3500/1025Discover: 6500/1700 *0% balance transfer available for another 7 months. JCP/Synchrony: 5100/1965Target: 800/0 *rebuilder card. CLD to $800 from $1100 2 years ago. GM Flex: 750/0 *rebuilder card, never an increase after 5 long years. What to do, what to do? I so want to thank all of you for your sound advice. It's always so greatly appreciated! Obviously if you are in a bind then you are in a bind. Transferring to 0% balances is a good short term solution to help you make progress on your balances. However it seems that you need a game plan. Here is how i would (and did when I was in a somewhat similar situation): 1. Is your debt going up or down? 2. If your debt is going down, is this only because you haven't had any big medical expenses lately? If the debt is either not going down, OR if it is going down because you haven't had big expenses but is bound to balloon again when that happens, you need either extra income or you need to cut costs. There is just no other way. I know cutting costs seems painful and it sounds like starting a side gig is not really an option for you (with your kids and parent and all sucking time) but if you get into debt you will have to cut costs even more down the road. Now if you are having about the frequency of expenses you expect to be normal and your debt is still going down, then you should be in good shape. Just keep paying your cards down as fast as you can and stop putting charges on the non-0% ones. Then if and when they are all paid down, start putting money away in a dedicated savings account every month. If you know you are gonna have medical expenses, then plan for it even when you don't have them. Good luck! Rooting for you!
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Would like a link to the Technologies boards from the Tiger & Panther board
It would be nice if the headers of:
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I understand that OBIEE is not an extraction tool, and that any report which has more than 100-200 rows is not very useful. However, the customer is insistent that such a report be generated.
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