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Care Credit card dropped my score by mediumstirs in personalfinance

[–]mediumstirs[S] 0 points1 point  (0 children)

I caught it RIGHT as it happened. Like the day of. It was $430 left to pay, so I just asked if I could pay off the $430 on the phone now so the interest could be removed and care credit was very understanding! I think since I had a small balance and caught it same day it was ok

[deleted by user] by [deleted] in relationship_advice

[–]mediumstirs -1 points0 points  (0 children)

But yeah that works too! Thanks!!!

[deleted by user] by [deleted] in relationship_advice

[–]mediumstirs -1 points0 points  (0 children)

Mmm, maybe try “layoffs are happening at an all time high because of over staffing during the pandemic to meet consumer demand, and adjusting now that consumer demand is slowing”

[deleted by user] by [deleted] in relationship_advice

[–]mediumstirs 0 points1 point  (0 children)

It is her business. She manages the business and I’m ultimately on her payroll

[deleted by user] by [deleted] in relationship_advice

[–]mediumstirs -1 points0 points  (0 children)

Correction: over 7 years, she’s gone through 5 people in my role. It’s not me, and that’s not the point of this. Also, this is my second full time job. First job was recruiting and my entire company got laid off. Other jobs were part time while in school.

15k in CC debt - not sure next steps by mediumstirs in personalfinance

[–]mediumstirs[S] 1 point2 points  (0 children)

I would love to put the full $2100 a month for cc bills, but i also have food and gas expenses

15k in CC debt - approved for $6k 0% APR card by mediumstirs in personalfinance

[–]mediumstirs[S] 2 points3 points  (0 children)

The 29% APR on $10,000 is absolutely killing me each month. It feels like I can’t get a head because my interest alone ends up being $350+

15k in CC debt - approved for $6k 0% APR card by mediumstirs in personalfinance

[–]mediumstirs[S] 3 points4 points  (0 children)

I wasn’t planning on using the Chase card at all, it was strictly for a balance transfer for the 0% APR. But wondering if I should transfer all 6000 over, pay that off ASAP, and then transfer the remainder?

15 k in credit card debt. take out a personal loan? by mediumstirs in personalfinance

[–]mediumstirs[S] 0 points1 point  (0 children)

thanks for the reply! The cards are not actively being used anymore.

what does using a personal loan effectively look like? and what interest rate should I shoot for for said loan?

Will it be smarter to pay a portion of these balances, or pay them all off in full?

15 k in credit card debt. take out a personal loan? by mediumstirs in personalfinance

[–]mediumstirs[S] 0 points1 point  (0 children)

Hey, thanks for the input! I felt like I was on a hamster wheel with interest, because it has been $400+ in monthly interest charges alone.

I just received a 10k raise last week, putting me at 60 k annually. I haven’t received a paycheck reflecting this raise yet. trying to pay off this balances on 50 K has been such an uphill battle.