Hopefully It’s Finally Over!! Balance Transfer Saga!

I hope this is the final entry in the Balance Transfer Saga.

I made up my mind that this weekend I HAD to “find out where we are with our money.” I’ve been busy for the past three weekends and haven’t been able to get receipts entered into Quicken, reconcile accounts, look at our budget, etc. Thankfully the money Mr. A was waiting on finally was released and we had access … click here to continue reading Hopefully It’s Finally Over!! Balance Transfer Saga!

Yet One More Update On The Balance Transfer Saga

If you haven’t read it before, you can read all about it from the beginning by clicking on this link.

This should be the final update for this saga.

Today I received a letter from Citicards that said, “Dear Mrs. Accountability: Thank you for your recent inquiry regarding your Citicard account. We’re pleased to confirm we have credited your account $39.00, in addition to any related fees or finance charges. You will … click here to continue reading Yet One More Update On The Balance Transfer Saga

Citicards Update

A few days ago, I admitted my mistake in not making my FIRST payment to my new 0% interest card.

I promised that I would let you know as soon as I knew, whether my rates had been raised, and if I’d been charged a late fee.

1. I was charged a late fee. However, the very polite young man I spoke with said he was tagging my account for a review, … click here to continue reading Citicards Update

Loser with a Capital L

That’s what I feel like tonight!!!!!

I remember trying to get an automatic payment set up with the new ZERO PERCENT interest card, and I couldn’t remember when the payment was due. I thought maybe on the 7th, or the 9th, or TODAY.

I was gone working with my husband all day long, with no computer and no internet access.

I remembered on the way home, and I logged in to Citicards right … click here to continue reading Loser with a Capital L

Good-bye Chase!

The payment from Citicards finally arrived at Chase, and we now have a -$0- balance there. Nice.

Our cancellation refund check arrived from Geico Direct in the amount of $269.46.

Mr. A’s last “day job” paycheck hit our checking account this morning to the tune of $999.00. He’s been busy with his new business, so far, so good. We’ll be needing to gear up to drum up more business once this client … click here to continue reading Good-bye Chase!

Balance Transfer Update

I’ve been logging in to Chase every day, to see if the remaining $4000 has been paid with the balance transfer from Citicard. It’s still there this morning.

I checked my Citicard account this morning to see if there was any information about the balance transfer, as I began the process last Saturday on the 1st. On the front page, I noticed there was a link that said, “View Your Balance … click here to continue reading Balance Transfer Update

Paying Off That 14.24% Credit Card

FINALLY! I’m doing it today!

I’ve just transferred $4000 on the Citicard to the Chase card, and I’m about to pay the balance of $3909.19 from my checking account.

I printed out the statement and noticed the APR has gone down to 12.99%. It kind of freaked me out to see that it had dropped. The interest was lower for the month as a result. $87.84.

As I was going through the … click here to continue reading Paying Off That 14.24% Credit Card

I Finally Did It! — 0% Interest

Zachary Spencer of This Can Change made a comment over at Mr. Debtbeater’s and following his link to his blog I found a post where he mentions the Citi Professional Cash Card which offers 0% interest on your balance transfers, with no fee to transfer, and no annual fee. This is the best deal I’ve seen yet, so I decided to go for it. It’s simply amazing. You put in … click here to continue reading I Finally Did It! — 0% Interest

Transferring Credit Balances to That 0% Credit Card

More research on transferring the two cards to one. I received an offer in the mail and it looks like a good deal. Some of the relevant fine print:

No annual fee
0% APR on balance transfers for 12 months
9.99% fixed APR on balance transfers after 12 months
Transfer fee 3% of amount or $99 maximum

I’m assuming since I need to transfer two cards, it’s going to cost me $99 for Credit … click here to continue reading Transferring Credit Balances to That 0% Credit Card

How People Manage Credit

Paid Twice discusses the reasons why she keeps her credit cards on her.

I do carry one credit card, but I never use it. I have a slew of credit cards in a drawer. Back in September, I ordered my credit scores. It was great to see all my open accounts in a list. I plan to get around to going through that list and closing a … click here to continue reading How People Manage Credit

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