P-C, have you asked the credit card company to raise your limit?
Anya Christina Emmanuella Jenkins. Twenty years old. Born on the fourth of July — and don't think there weren't jokes about that my whole life, mister, 'cause there were. 'Who's our little patriot?' they'd say, when I was younger and therefore smaller and shorter than I am now.
Anya ,'Potential'
Spike's Bitches 35: We Got a History
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risque (and frisque), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Ginger - Apr 26, 2007 12:56:56 pm PDT #6908 of 10003
"It didn't taste good. It tasted soooo horrible. It tasted like....a vodka martini." - Matilda
Polter-Cow - Apr 26, 2007 12:59:56 pm PDT #6909 of 10003
What else besides ramen can you scoop? YOU CAN SCOOP THIS WORLD FROM DARKNESS!
Well, if I use the website, it asks me to put in an amount. With my Bank of America card, I just asked, and it gave me a new limit. So I don't know what amount to ask for. Because wouldn't it be better to increase it to what I can now rather than bring it up in little installments? Because once you raise it, you can't raise it again for a set amount of time, right? I don't know how the game works. I'm not a big spender or anything; I just want the security of not worrying.
Daisy Jane - Apr 26, 2007 1:12:58 pm PDT #6910 of 10003
"This bar smells like kerosene and stripper tears."
P-C 38% is a pretty decent debt to income ratio.
askye - Apr 26, 2007 1:14:51 pm PDT #6911 of 10003
Thrive to spite them
I'm so glad to hear that about your grandfather PC!
askye - Apr 26, 2007 1:21:57 pm PDT #6912 of 10003
Thrive to spite them
I have drugs! Something called Clarithromycin that I need to take 2 tablets for 14 days. There was a crap load of stuff it interacts with so I asked the pharmacist about my meds and she said the Seroquel might make it less effective, but to take it several hours before the Seroquel.
Now Mom's going to come get me and take me to dinner since I'm feel bad and not like cooking.
Polter-Cow - Apr 26, 2007 1:23:21 pm PDT #6913 of 10003
What else besides ramen can you scoop? YOU CAN SCOOP THIS WORLD FROM DARKNESS!
P-C 38% is a pretty decent debt to income ratio.
Thanks, DJ! I assume this means I have to include whatever limit is on the card I don't use, right? I feel like I should just cancel it, but I don't know what that does to my credit rating.
Daisy Jane - Apr 26, 2007 1:28:32 pm PDT #6914 of 10003
"This bar smells like kerosene and stripper tears."
Usually they'll look at what the minimum payment is to calculate debt for any ratio.
Polter-Cow - Apr 26, 2007 1:34:13 pm PDT #6915 of 10003
What else besides ramen can you scoop? YOU CAN SCOOP THIS WORLD FROM DARKNESS!
I'm not sure I understand. Who's "they" in that statement? And the minimum payment being the one set by the credit card company for the month?
WindSparrow - Apr 26, 2007 1:36:09 pm PDT #6916 of 10003
Love is stronger than death and harder than sorrow. Those who practice it are fierce like the light of stars traveling eons to pierce the night.
I don't think there is serious credit rating stygma against shutting down an account that you do not use. The credit limit on it might count against you in some circumstances, because potential lenders never know when someone's going to get wacky and max out all their other accounts. I suppose if you were regularly using it and then paying it off to actively build up good credit, shutting it down would cut you off from that boost to your score.
Ginger - Apr 26, 2007 1:37:27 pm PDT #6917 of 10003
"It didn't taste good. It tasted soooo horrible. It tasted like....a vodka martini." - Matilda
It doesn't make any sense, but it does hurt your credit rating to close an account.