- Green Member
- Posts: 3
- Joined: Fri Apr 03, 2015 1:24 pm
- Location: Missouri
Ok Thanks for the reply. Quick back story. My wife was off work for most of 2014 so we accumulated about $3,000 in cc debt. Otherwise we paid for everything with a debit card. Just got Discover IT miles and will pay that off every month. Fico around 730. It was at 803 when we refinanced mortgage in 2012.
Kohl's store card $2,000 credit limit $1,485 balance 21.9% interest (in my wife's name)
Amazon CC $2,500 cl $0 balance
ABECU Platinum Visa $2,500 cl $1,443 balance 12.9% interest
Slumberland furniture store card $5,000 cl $3,142 balance left on 48 months 0% interest. Scheduled to be paid off on time
Best Buy cc (for appliances) $3,500 cl $2,400 balance left on 15 months 0% interest. Scheduled to be paid off on time. (in my wife's name)
Discover it Miles $4,500 cl daily user to be paid off monthly.
Mortgage 12 years left on a 15 year at 3.25%
Auto loan $5,191 balance at 2.75%
Federal Plus Parent student loan $4,800 balance that we just got . I think the interest is around 7%.
Not sure if you needed the mortgage, car and student loan info, but I want to make sure that you have everything that you need.
My biggest concerns are the Kohl's and Visa. The parent loan will keep rising every year, but she has been getting scholarships so hopefully it doesn't go too high over the next 3 years.
Thanks in advance