Crunk Times, My friend.....Crunk Times

[Speedbump3]

I went to the bank the other day, and they offered me a Chase CC with 0% APR for 6 months.
I currently have 2 CC's, with a total of around ~$1,200 in debt between the two.

I had problems in the past paying them, due to being in a car accident a couple years ago, and not getting any income for several months.

I've since been paying them regularly, usually pay around $75 on one and $50 on the other (both have minimums right around $20),

I'm contemplating just getting the Chase CC, paying off both cards and closing them out, and taking advantage of the 0% APR. APR goes up to around 15% if I remember what she told me correctly. My current APR's are 15.xx% on one and ~25.xx% on the other.

Input?

I would certainly take advantage of the 0% and transfer debt to it, but I wouldn't close the other cards. Well I would consider closing the 25% one, but certainly not both.

 

[WhoSayWho? 5,000+ posts]

Ah, she's cool. She just likes petting more than I would like to....but nothing too bad.
This kitty litter changing thing gets me. My gf says I change it too often, but even after cleaning it out daily, it still smells bad. So I change the litter out completely about once a week. I wish I could get her to use the toilet.

gf says = present tense

 

[dcole18 5,000+ posts]

gf says = present tense

i think he said they were an item again the other day //content.invisioncic.com/y282845/emoticons/fyi.gif.9f1f679348da7204ce960cfc74bca8e0.gif

 

[Randy Savage 5,000+ posts]

My Personal input is, as long as those other two cards have no membership fees, dont close them. If you have the self control not to use them, keep them open and thats it. maybe buy gas a few times on them and pay it right off.

Im going back down from 12 to 4. I decided it was pretty ridiculous to have all those cards for no reason and it wasnt helping so im closing them all. Im just going to keep one of each. Discover, AMEX, Visa and Mastercard, then I have my debit card, which is pretty much all I use.

Oh and on the 25% one, do you have enough to balance transfer to the other one? id definitely get rid of that unless you can sacrifice and pay it all off in like 1.5 months. If you dont, and you get approved to balance transfer to the new CITI card, I would, but not use the CITI card til the balance transfer was paid off.

I don't have enough to transfer the balance from one to the other. One is a Citi card, with around a balance of $700, interest rate of ~15%, but that drops to 9.xx% after 2 more months of on-time payments. This card was in collections about a year or so back, owed more then $1500 on it w/ a $1100 balance. Been paying $75 regularly, and one month did $300 on it as well.

The other is a Paypal credit line, which has about $500 balance on $700 credit- this one was closed on me as well, however it's been opened back up due to me paying it on time. Interest is 25.xx%, and isn't going to drop.

I had to spend over $150 on the Citi card after it was opened back up to get the interest rate dropped to 9.9% after 6 months of payments, so I've used it a few times- last month I bought some hockey gear worth $115, and made a payment of $130 right away, so I've gotten pretty good with paying them off after slacking off for quite some time.

I did this with about 5k and three cards a few years back. Ended up busting my *** to pay it off within the year of 0% and closed the card after as well as closing all the cards I had at 2X.XX%
I now have one card for emergencies such as a ****** going, something needed in my house like a furnace etc and will only use it for something major like that. As for getting credit my mortgage and car payments it is enough for me I just had so many issues dealing with cards when I was younger that I don't want to mess with it.

Plus it is really nice being 'debit' free in a way, once I pay this last car off I will probably drive them both into the ground unless I have the cash to pay it all up front.

I'm honestly glad I ran into delinquency issues when I did. At its worst, I was only ~$2000 in debt, which is nothing compared to the hole some people put themselves in.

Now I've finally gotten a hold on it, and am getting it paid off.

 

[WhoSayWho? 5,000+ posts]

i think he said they were an item again the other day //content.invisioncic.com/y282845/emoticons/fyi.gif.9f1f679348da7204ce960cfc74bca8e0.gif

wat wat

Oh boy, I guess I am always the last to know.

 

[Captain_Ahab 5,000+ posts]

I got to sleep till 9:00 today. I am happy. Written and Field final tomorrow.....That is going to ****...

 

[dcole18 5,000+ posts]

wat wat
Oh boy, I guess I am always the last to know.

i recall him saying some thing about taking her on a canoeing trip the other day as well...

 

[Speedbump3]

This kitty litter changing thing gets me. My gf says I change it too often, but even after cleaning it out daily, it still smells bad. So I change the litter out completely about once a week. I wish I could get her to use the toilet.

IMO, you can never change it too often. We tried the toilet training but our cats were too old or something or we just ****, I don't know.
What we went to and I think it is fabulous is "swheat Scoop". It is wheat based and flushable. We keep our box next to the toilet so this works out well. Every morning or anytime I am in there taking care of my business I scoop their business and flush it. We also use Arm & Hammer deodorizer mixed in with the litter. This routine keeps the smell minimal.

 

[2kchevy06civic 5,000+ posts]

Hancock was a pretty good movie. 2k wouldn't like it though because people can't really fly...//content.invisioncic.com/y282845/emoticons/rolleyes.gif.c1fef805e9d1464d377451cd5bc18bfb.gif

I don't mind non realistic movies....they just did an incredibly sh1tty job with the camera work and it looked SO fake. The only thing that was cool was the shooting the bullets thing. Everything else was ****. //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif

 

[Speedbump3]

I may check out this kind. I was flushing the regular kind but my gf told me that I shouldn't.

Yes, you don't flush clay down sewer pipes lol.

I don't know what we are doing. We are trying.
I think she is trying to invade because she has left over a hair dryer and a kitty dish.

Definitely an invasion.

 

[WhoSayWho? 5,000+ posts]

Next she will be hanging her nylons over your shower curtain bar.

 

[Speedbump3]

ha.

I still think it is an invasion. I will nip in it the bud before I go along too far and then hurt us again.

I agree.

kinda

 

[Speedbump3]

For you that is probably best.

For me my advice would have been already to move her in so that I could paint those tittays on the daily at any time. Like when i wake up with wood at 3AM.

 

[icpurplepplalot 5,000+ posts]

So, I was offered an 05' XXX which would basically be reconed to whatever size, and ohm load I wanted for my btl. I'm seriously contemplating getting, but I don't know yet as I would rather have a straight up spl sub.

 

[2kchevy06civic 5,000+ posts]

whats for lunch today?