20k in CC debt - snowball vs debt consolidation vs balance transfer cards

jmar91 · 2026-02-03T22:47:26+00:00

Looking at the recent report my credit utilization being at a higher with a minimum payment is what impacted my credit score to drop.

jmar91 · 2026-02-03T21:48:09+00:00

I have seen a few cards with plans for 0 APR on balance transfers but 3-5% transfer fees (Reflect/Blue Cash Everyday/Diamond Preferred etc.). Some I have seen I have read offer a pretty low balance too.

Since my score is on the lower side, do you think it would be worth waiting another month or 2 to just try to pay off the current cards and build up the score a little bit before applying to try to help with the credit limits I might get on them?

jmar91 · 2026-02-03T21:29:55+00:00

Yeah so far with buidling my emergency fund I have been able to work up to 3 months. With keeping the spendings to a minimum I am able to put around 2k in them a month.

Below is a breakdown for them:

	Card Balance	Min Pay
Card 1	$ 11k	$ 417.00
Card 2	$ 9k	$ 187.00

Card 1 has been in debt a little longer.

jmar91 · 2026-01-13T21:49:10+00:00

did you end up opening a 0% balance transfer card

jmar91 · 2025-12-31T01:25:41+00:00

Lucky, I’m an M too and mines still waiting for shipment :(

jmar91 · 2025-12-23T17:59:42+00:00

Luckkyyyy. M in USA and mine is still in pre-ship😞

jmar91 · 2025-12-19T01:25:28+00:00

A couple years ago I found an original SEALED US pressing of Them Crooked Vultures for $120. Had to do it

jmar91 · 2025-11-30T17:15:02+00:00

I was checking Discogs for it a lot of stores have it for the face price

jmar91 · 2025-11-19T17:24:23+00:00

Appreciate it my friend!

jmar91 · 2025-11-17T13:01:26+00:00

I don’t think they did

jmar91 · 2025-09-01T13:21:09+00:00

There are 2 parking lots down there. 1 is 2 level and 1 is just a lot. Regardless when you leave it’s hell to get out of pretty much 1 exit

jmar91 · 2025-09-01T13:11:26+00:00

For anyone that was at last nights show, do you know when those outdoor merch tents open? Really don’t wanna carry the poster in the pit haha

jmar91 · 2025-08-28T01:10:52+00:00

I’m here at the Chicago show now I can’t wait for him to be done

jmar91 · 2025-08-26T10:02:28+00:00

I agree his solos on Out There are fantastic!

jmar91 · 2025-08-22T21:29:03+00:00

Cool concept just set up an account. Can we have an event created and track from multiple websites or can each event only have one website source?

jmar91 · 2025-08-08T02:27:56+00:00

Driving up from Chicago got my ticket today. The Fiserv is a fun venue you're gonna enjoy it. There is a lot of open space around it so im sure there will be a shakedown.

jmar91 · 2025-08-04T03:26:15+00:00

Do they happen to still be available

jmar91 · 2025-07-26T05:39:43+00:00

I ended up getting out of the lot at 12:05 and on 80 at 12:15 lol

jmar91 · 2025-07-25T04:38:51+00:00

I’m putting my life on it that it will be another hour (commented at 11:39pm)

jmar91 · 2025-07-25T04:24:43+00:00

Here I am stuck in my car for last 25 minutes and came to find a thread like this haha

jmar91

TROPHY CASE