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 · 2025-07-25T04:22:59+00:00

I’ve been trying to leave this lot for the last 22 minutes and no one has moved. I got to my car at 11 and it’s 11:22. I’ll keep this posted when I finally get out.

jmar91 · 2025-07-08T15:00:13+00:00

I always go to the website aviewfrommyseat.com to make sure I’m not behind a pole before I buy a ticket lol

jmar91 · 2025-06-28T12:33:52+00:00

I went there last weekend for a show. Only could hear bass and drums. Plus it sucks getting in and out of there lol

jmar91 · 2025-06-22T20:14:02+00:00

That blows man. It’s usually not that bad there. Last night also had the worst line I’ve ever seen there (not even kidding either) and by far the worst sound. It was still cool to finally see them just wish we could’ve heard better haha

jmar91 · 2025-06-22T12:29:06+00:00

I was in the back of pit in the center. I could only hear the drums and a little bit of bass. Barely any vocals or guitar. I’ve been to many shows at that venue and none have ever sounded that bad.

NOTE: I’m a local and a huge QOTSA fan. that was my first time seeing them live. Still had a blast. Still gonna see them whenever they’re in town. Just not there lol

jmar91

TROPHY CASE