janellec1986

7 Contributions 12 People Helped

Member Since: May 2013

Most Helpful Contribution

Utilizing Credit Cards to Build Credit - WITH NUMBERS!

Aug 30, 2013
Statememt Cycle
Helpful to 9 out of 11 people

How do you know when your cycle is? I know my payments are DUE on the 26th of the month, but how do I figure out when I can pay it off without paying interest?

Activity (7 Total Contributions)

Should I use one credit card to pay off another?

Apr 01, 2014
Helpful to 3 out of 3 people

I'm not actually doing any balance transfers. For example. I will use my discover and buy $1,000 at home depot. Then I will use my amex card to pay off that card. (When I make a payment on my discover I will use the AMEX instead of my bank account). No balance transfer required. That way I have 0% utilization on my discover so I can buy more stuff at home depot.... I will always pay my balance off on my AMEX every month (or at least keep the utilization below 30%.

Utilizing Credit Cards to Build Credit - WITH NUMBERS!

Aug 30, 2013
Statememt Cycle
Helpful to 9 out of 11 people

How do you know when your cycle is? I know my payments are DUE on the 26th of the month, but how do I figure out when I can pay it off without paying interest?

How to determine which of the recommended cards to take

Mar 31, 2014
Which credit card is right for you

As Addison said, they are just ads to help keep the site free.

When you are shopping for credit cards, you really have to think about what you need. Do you want rewards points? Cash back? Mileage? Low interest rates? Longer 0% APR timeframe? It really all boils down to what you need the credit for. Also, make sure other customers who have that card are happy with it... including customer service!

Good luck.

How do I clear a credit card on my report that's not mine?

Mar 31, 2014
Same thing happened to me

I had a random hard hit inquiry show up on my account a few months ago. Long story short, someone mailed in a paper application for a Babies R' Us credit card. I called Babies R' Us and notified them it was not me and they cancelled the application. Then I called all three credit bureaus and turned on the 90 day credit monitoring. They will notify you of any suspicious activity. As long as you can show it wasn't you, it shouldn't be a problem to remove it.

Should I apply for a secure credit card now, or later?

Mar 31, 2014
Tough Call

I would work on paying off all my debts first. Although it's great you want to start repairing your credit, it's best to give back what you owe first. Show that you are responsible by paying everything back, then get a secured card and start proving you can CONTINUE to be responsible with new credit.

Good luck

should i pay off my credit card multiple times per month?

Aug 30, 2013

How do you know what day that is? I want to make sure I pay off my balances each month before its reported...

I want to buy a house.

Dec 04, 2013
Helpful to 0 out of 1 people

Start by always making your payments on time. And paying off anything that's past due. You might be able to get a secured credit card to help build your credit. If you can get a secured credit card, use it every month (only 10-15% of the credit limit) and pay it off each month. Then as your credit improves and you become more responsible you can apply for another credit card. Hope this helps.