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I need Dave Ramsey!!!

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  • #16
    Originally posted by 2011GT View Post
    Yes it would. It would pay off two.
    Get those two out of the way. I wouldn't "close" anything, because a lot of your score is based on "available credit". If you owe nothing on a card with a $10k limit, it looks good to mortgage companies.

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    • #17
      Originally posted by Vertnut View Post
      Get those two out of the way. I wouldn't "close" anything, because a lot of your score is based on "available credit". If you owe nothing on a card with a $10k limit, it looks good to mortgage companies.
      The companies will close if you dont keep a balance, usually after 2-3 months. If they are high APR cards it might not make any difference

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      • #18
        Pay the highest interest rate first, after monthly payments all around.
        ZOMBIE REAGAN FOR PRESIDENT 2016!!! heh

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        • #19
          Originally posted by Taylor View Post
          Pay off all your cc's and close the accounts! Fuck credit!
          Do not close them!

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          • #20
            Originally posted by SMKR View Post
            Do not close them!
            x2
            NEVER Cancel 0 balance credit cards...

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            • #21
              Enjoy your debt lifestyle, plastic slaves.
              Originally posted by davbrucas
              I want to like Slow99 since people I know say he's a good guy, but just about everything he posts is condescending and passive aggressive.

              Most people I talk to have nothing but good things to say about you, but you sure come across as a condescending prick. Do you have an inferiority complex you've attempted to overcome through overachievement? Or were you fondled as a child?

              You and slow99 should date. You both have passive aggressiveness down pat.

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              • #22
                Pay off your car and get a title loan!

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                • #23
                  Originally posted by SMKR View Post
                  Do not close them!
                  Why? I'm paying everything off and will never use credit again. I will never use a credit card or finance a car. Only time I will "need" credit is if I move soon. So in reality I don't need a credit score...

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                  • #24
                    Originally posted by BradM View Post
                    Pay off your car and get a title loan!
                    lmao.

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                    • #25
                      Originally posted by 2011GT View Post
                      Why? I'm paying everything off and will never use credit again. I will never use a credit card or finance a car. Only time I will "need" credit is if I move soon. So in reality I don't need a credit score...
                      Yeah, but what's the benefit of closing them?
                      Originally posted by Broncojohnny
                      HOORAY ME and FUCK YOU!

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                      • #26
                        Originally posted by Nash B. View Post
                        Yeah, but what's the benefit of closing them?
                        Just to get it off my back and the temptation... Plus two of them have a yearly fee.

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                        • #27
                          Originally posted by 2011GT View Post
                          Just to get it off my back and the temptation... Plus two of them have a yearly fee.
                          You have 20k in credit card debt and now you're nitpicking over $100 in annual fees?

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                          • #28
                            Originally posted by Slowhand View Post
                            You have 20k in credit card debt and now you're nitpicking over $100 in annual fees?
                            Gotta start somewhere. I'm going crazy right now cutting excess fat. Sold one car (only have one car now) so the wife uses it and I ride my bike to work. Sold a ton of things I thought I needed. It feels like a game it's awesome.

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                            • #29
                              Originally posted by 2011GT View Post
                              Why? I'm paying everything off and will never use credit again. I will never use a credit card or finance a car. Only time I will "need" credit is if I move soon. So in reality I don't need a credit score...
                              Then just say fuck it any quit paying on them!

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                              • #30
                                That's aloooot of cc debt. Interest costs alone probly top 3k a year....

                                Start selling off anything you have to pay as much off as possible. Hit this as hard as you can, and you can be out if it in 2-3 years. Dick around with it and it can haunt you for 10+.

                                And once you're done put that cash in the bank and never let it get like that again.

                                Or just say fuck it and declare bankruptcy and start over.

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