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Personal Finance and Investing

Beartracks

(14,312 posts)

12. Your last sentence is what I'm thinking. But...

Reply to Happy Hoosier (Reply #5)

Tue Dec 16, 2025, 11:06 PM

Dec 16

... I try to research or ask around so there are no surprises. I'm wanting to consolidate onto the card with the 0% promo so I can focus on paying all that debt down without having the interest working against me. After 21 months, I can re-consider my options, but I should have significantly less debt sitting there when I do.

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New question: Credit score and credit card usage ratio [View all] Beartracks Dec 16 OP

I have a very high credit score. multigraincracker Dec 16 #1

good for you. however, zero effort toward any attempt in answering stopdiggin Dec 16 #3

Bankrate.com has a calculator which may help markodochartaigh Dec 16 #2

Thanks a lot for the link! Just used calculator- very handy. tazcat Dec 16 #7

Credit card to credit card MAY affect the score for a couple of weeks until the balances are reported. 3Hotdogs Dec 16 #4

As Dave Ramsey points out, if you have to put it on the card, or take out a loan for it, "YOU CAN'T AFFORD IT." Happy Hoosier Dec 16 #6

I see nothing wrong with the Ramsey plan. It is one of two --- pay high interest first or lowest balance first. 3Hotdogs Dec 16 #8

Dave Ramsey has a monetary worth of around $200 million. markodochartaigh Dec 16 #10

You're right, there. 3Hotdogs Dec 16 #11

Further thought, most of the people contacting Ramsey are in money trouble. They are stressed out. He gives them 3Hotdogs Dec 16 #9

It varies by bureau a bit, but... Happy Hoosier Dec 16 #5

Your last sentence is what I'm thinking. But... Beartracks Dec 16 #12

No big purchases waiting in the wings. Beartracks Dec 16 #13

Latest Discussions»Culture Forums»Personal Finance and Investing»New question: Credit scor...»Reply #12