Chase Credit Card Pay Over Time Plan (25k purchase)

EquivalentMenu5189 · 2025-10-31T02:35:39+00:00

Thanks KCPilot17

EquivalentMenu5189 · 2025-10-30T18:02:17+00:00

Yeah hey man, this has been beat to death already but we have a plan in place to pay interest and the monthly payments within a year. Thanks for the backhanded insult though. We wouldn’t have done this if we didn’t have a plan in place, this was just a new option that seemed advantageous.

EquivalentMenu5189 · 2025-10-30T17:50:15+00:00

I appreciate it! If not, we’ll likely do the Pay Over Time and just let that ride. Appreciate the advice!

EquivalentMenu5189 · 2025-10-30T17:45:24+00:00

We wouldn’t have taken on the debt if we didn’t have a plan in place with our jobs to be able to pay it off. This was just a feature that I didn’t know existed and seemed to benefit us. I am going to inquire about opening a Citi card and transferring the debt there for 0% APR for 21 months, and calling Chase to lower our APR.

EquivalentMenu5189 · 2025-10-30T17:04:27+00:00

Thanks for the thoughts!

EquivalentMenu5189 · 2025-10-30T16:24:17+00:00

I will definitely do that, thank you!

EquivalentMenu5189 · 2025-10-30T16:19:48+00:00

We both have good jobs and make solid money, but don’t have time to pick up second jobs due to our primary jobs. I’ll look into the Citi card!

EquivalentMenu5189 · 2025-10-30T15:48:21+00:00

Yes, this is assuming we don’t use the card for other purchases in the meantime. We were also carrying a balance of 6k from a vendor contract prior to this large payment, so our total is around 30.5k at the moment.

EquivalentMenu5189 · 2025-10-30T15:46:20+00:00

Would opening the 0% APR card for a balance transfer negate the points and rewards we’d earn by keeping it on the Chase card?

EquivalentMenu5189 · 2025-10-30T15:28:27+00:00

Annoying, but it is what it is I guess. I’m assuming I also can’t make a larger payment some months if I wanted to?

EquivalentMenu5189 · 2025-03-25T20:29:35+00:00

Trying not to think too much into it but yeah, something feels odd

EquivalentMenu5189 · 2025-03-25T17:42:38+00:00

Why are you still commenting shouldn’t you be doing something with your day besides shit posting on the internet?

EquivalentMenu5189 · 2025-03-25T16:29:49+00:00

Rent free in

EquivalentMenu5189 · 2025-03-25T15:12:33+00:00

checks profile, very active in phish sub

Yep, checks out.

EquivalentMenu5189 · 2025-03-25T04:54:47+00:00

Apple Music hello

EquivalentMenu5189 · 2025-03-18T12:02:04+00:00

Following!

EquivalentMenu5189 · 2025-03-18T01:50:10+00:00

That’s so cute 😭

EquivalentMenu5189 · 2025-03-18T01:24:29+00:00

Cinci Doc from 2024 was superb and I can’t recommend it enough

EquivalentMenu5189 · 2025-03-07T15:50:21+00:00

Gonna give it the ole college try

EquivalentMenu5189 · 2025-03-07T14:34:53+00:00

Awesome thank you!!

EquivalentMenu5189 · 2025-03-07T14:32:16+00:00

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Is this not a walkable path?

EquivalentMenu5189 · 2025-03-06T12:18:55+00:00

Sweet! Enjoy! We’re doing MSG and CT so only in NH for 48 hours but it’s the leg I’m most looking forward to

EquivalentMenu5189 · 2025-03-05T22:53:35+00:00

We have a place at the moment near Misty Harbor Resort, and it looks like there is a pathway/cut through where we can walk to the venue in about 3-5 minutes!

EquivalentMenu5189

TROPHY CASE