06-20-2014, 01:12 PM | #45 |
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What does that do to your debit to income ratio though? Anything at all?
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06-20-2014, 01:16 PM | #46 |
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Hey @sara504,
Having available credit won't factor in to your debt to income unless, of course, you run up the balance. But don't be afraid to use the card as long as you are able to pay it each month. In regard to your other question, no you don't need to use the full amount. They won't decrease your limit and, actually, as you build a good history with your creditor your limit should slowly increase. |
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06-20-2014, 01:19 PM | #47 | |
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06-20-2014, 01:24 PM | #48 |
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She keeps it high? Thats not smart. The VS card has an interest rate of 24.99% for all cards. Paying 25% interest on a $50 bra? No. not for me. If I dont have cash on me to pay the card off at the store, then I dont use the card. Infact I NEED to go there this week and buy some hospital pajamas and panties. Thanks for the reminder.
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06-20-2014, 02:06 PM | #49 | ||
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I have a GAP card and a Best Buy card that I never use anymore and the limit has stayed the exact same as it was when I opened them. I check them occassionally for any possible changes just due to my overwhelming paranoia about fraud, and because I move approximately every 3-4 years for work I need to update my address all the time.
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06-20-2014, 03:38 PM | #50 | |
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