Sabrina’s Money Madness

I will pay my bills regularly but I’m not gonna go on that credit plan that my credit card offered me. The main reason is that I heard they’re going to “balance chase” everyone. Basically, once you pay down your balance, the company will lower your limit to just over that amount. In effect, you […]

Now I see why your credit score really does matter. I was able to finally view one of my credit scores and it is super low. Much lower than when I bought my car when it was 654 then went to 690 a few months later.
I have a few things bringing me down that I […]

My credit card company sent me an email offering me a deal. If I pay $150 a month between now and January I can get a $100 statement credit within 2-3 billing cycles. In the fine print I noticed that it said I can also pay $900 as a lump sum instead of making a […]

The NFL had a “NFL Extra Points” program in conjunction with Bank Of America. They have decided to sever that relationship and instead offer the program through a new partnership with Barclays starting in September. Anyone who has points in the existing program has until the end of August to use their points.
3 suggestions that […]

I didn’t even think of this until I wrote my last post about my credit score dropping. Insurance companies pull your credit when there’s a potential change or addition to your policy. By losing points from my score that can cause my insurance to increase. Now my insurance is still cheaper than it was when […]

I have a Best Buy Reward Zone MasterCard. Every purchase I make gives me points towards Best Buy Gift Certificates. It’s a toy limit card though which stinks. A toy limit is excessively low and HSBC who issues the card is really slow to credit payments. Actually they credit the payment fairly quickly but then […]

I talked about that in a previous post but I didn’t stress why it’s crucial to stop applying for excess credit. My credit score is low which is why I got denied for the cards I applied for. One reason is excessive inquiries. Every time you apply for credit you get hit with an inquiry […]

Wow I didn’t realize how many hit my credit report has taken lately. I applied for 3 store credit cards just to get the discount. Then I applied for several credit cards. I did get one but the other two are still pending. I’m supposed to be saving to buy my own home in several years […]

I just got off the phone with my credit union. I was pretty surprised that they called. I thought it may have had something to do with the fact that I maxed out my card because of my car inspection but it wasn’t. They never received a income verification from me. The person that called […]

And it’s not a rewards card which is a bummer. It’s one of the plain platinum cards that doesn’t offer anything. I really want a rewards card though. If I can buy food, photo graduation announcements, clothes or even pay bills and get rewards points then that’s good for me. The service associate that I […]

The credit card company reopened my account and restored my card privileges. However they sent me a plain jane vanilla card with no rewards or anything attached. I’ll use the card to charge something once a month just to keep the account active. Then once I feel the time is right, I’ll ask them to […]

I have 2 cards that I use a lot. One is my debit card that has a rewards program. The other is my credit card that I pay in full every month. Now one of my old credit card companies has decided to reopen my account. If they have a good rewards program I will […]