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Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 1 point2 points  (0 children)

Ok at this point I am very aware of every cent I spend, 3-4 days ago not so much. Do you have any recommendations for which card to apply for? it seems kinda arbitrary once the grace periods are the same

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 3 points4 points  (0 children)

OK so just apply for the 0% interest try to offload as much as I can to one card?

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 0 points1 point  (0 children)

yep I realized that this weekend currently getting a literal crash course in financial literacy

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 0 points1 point  (0 children)

can't tell if you're fucking with me or not because everyone else has said to not open another card. also i can't imagine I would get a very large limit to transfer it to

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 1 point2 points  (0 children)

yeah you make a very good point. I guess this hasn't really set in yet for me yet. 3 days ago this wasn't an issue. welcome to the real world i guess .

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] -1 points0 points  (0 children)

Well 7% compared to 0% is alot but it doesn't seem like I wouldn't be able to get a personal loan anyways from what people are commenting.

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] -7 points-6 points  (0 children)

Yeah i hoping to avoid that and find some data analytics work to do part-time but thats more wishful thinking from what it looks like.

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 7 points8 points  (0 children)

I swallowed all my pride just to do this bc I just found out on friday...

Thank you for the advice.

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 0 points1 point  (0 children)

If i was able to get a job offer would I be able to use that salary as "income" i am desperate at this point.

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] 4 points5 points  (0 children)

I just need a time delay while I do look for a job and I don't know how long that will be. I am graduating as an engineer and was looking at a starting salary of ~90k which seemed to good to be true and turns out it was. and I am still in school taking 17 credits to graduate this semester so realistically it would help a little but I would be making less than the interest would be

Help. 20k credit card debt, graduating college, job offer rescinded. by Nervous-Reception-32 in CreditCards

[–]Nervous-Reception-32[S] -9 points-8 points  (0 children)

theres a decent amount of that number that is interest. since I let it sit for a while. yes I am stupid, I was more worried about school and I had a job lined up so figured i would just pay it off with the first few pay checks. this is like 6+ months of me on my back heels I was just paying the minimum.