I'm bummed. With all the balance transfer cards I applied for, I didn't do it right, and I've still got a Chase card at 14.99%. I paid off my FIA card, and it currently has an offer to transfer up to $10,200. I was jazzed about that, but then I realized there is no cap on the 3% transfer fee. I need to transfer almost $8000. That's going to cost around $240 in fees. Bummer. There were a couple of… Read the rest

I applied for five new credit cards the other day. The reason why I applied for so many is because the last time I needed to do a balance transfer the card limited me to only $4000 when the amount I needed to roll over was higher than that. Plus, I was hoping to get a card that we could use for getting cash back since we spend so much money on gasoline, up to $1600 some months. Yesterday, two… Read the rest

I wrote in a previous post that I needed to roll over one of my credit cards immediately, and another one by November. I talked about my sister's terrible credit rating in January and shared that I'd co-signed for her on a credit card that allowed her to have dental work done for her son. She paid that card on time every month, and paid it off in full a couple of months ago. We were told that my co-signing… Read the rest

Gosh darnit, I forget who said this in their blog recently, but someone mentioned if you make automatic payments using a service such as BillPay, make sure the address hasn't changed. AJ and I went to Q&A at our place of worship last Sunday night and on the way home I stopped to fill up the tank. $3.53/gallon. I'm glad it's going down a little. I left home without either of my two main bank cards. I happened to have… Read the rest