Help....credit...funds...ela Maintain Cheyyali....

[Novak_Djokovic]

Like...

 

Naaku 2 credit cards vunai....

 

Cit-i card- ---------------------------------------$4000-----95 % used/ utilised--with 21.00 % APR

 

bank-0f-vomri-ka--- card---------------------$1000 ----95 % used/ utilised--with 21.00 % APR

 

ippudu DC-U personal loan vachindi....---$5000 with 13.00 % APR...total funds available....

 

New cre-dit card kuda okkati---approved-$1000 with 0.0 APR...total limit available....

 

 

Ippudu India ki x-00-m lo send chedam money ani thniking....

 

 

Entha money send cheyachu nenu India ki...like....???

 

Nenu funds ela manage cheyalli....

 

1. Personal loan money with 13% APR...credit cards amounts 80% payment chesi...remaining amount India send cheyana ?

 

2. Lekapothey...oka 50% credit cards payemnt chesi....remaining 50% APR ..india ki tra-nfser kottana ??

 

ila inka emina scenarios telusa meeku...edina simulators/ calculators vunnaya to manage my funds carefully.... ???

 

PLease help...

 

Thanks in advance...

[Novak_Djokovic]

ltt...help

[Ranga_The_Donga]

Like...

 

Naaku 2 credit cards vunai....

 

Cit-i card- ---------------------------------------$4000-----95 % used/ utilised--with 21.00 % APR

 

bank-0f-vomri-ka--- card---------------------$1000 ----95 % used/ utilised--with 21.00 % APR

 

ippudu DC-U personal loan vachindi....---$5000 with 13.00 % APR...total funds available....

 

New cre-dit card kuda okkati---approved-$1000 with 0.0 APR...total limit available....

 

 

Ippudu India ki x-00-m lo send chedam money ani thniking....

 

 

Entha money send cheyachu nenu India ki...like....???

 

Nenu funds ela manage cheyalli....

 

1. Personal loan money with 13% APR...credit cards amounts 80% payment chesi...remaining amount India send cheyana ?

 

2. Lekapothey...oka 50% credit cards payemnt chesi....remaining 50% APR ..india ki tra-nfser kottana ??

 

ila inka emina scenarios telusa meeku...edina simulators/ calculators vunnaya to manage my funds carefully.... ???

 

PLease help...

 

Thanks in advance...

naa suggestion entante.... do balance transfer to new credit card for $1000 ... personal loan lo inko credit card min 50% pay cheyyi... balance India pampko...

[perugu_vada]

My suggestion will be, clear out the balances 1st, 21% apr ante too much

[Leonardo_Di_Carpio]

Like...

 

Naaku 2 credit cards vunai....

 

Cit-i card- ---------------------------------------$4000-----95 % used/ utilised--with 21.00 % APR

 

bank-0f-vomri-ka--- card---------------------$1000 ----95 % used/ utilised--with 21.00 % APR

 

ippudu DC-U personal loan vachindi....---$5000 with 13.00 % APR...total funds available....

 

New cre-dit card kuda okkati---approved-$1000 with 0.0 APR...total limit available....

 

 

Ippudu India ki x-00-m lo send chedam money ani thniking....

 

 

Entha money send cheyachu nenu India ki...like....???

 

Nenu funds ela manage cheyalli....

 

1. Personal loan money with 13% APR...credit cards amounts 80% payment chesi...remaining amount India send cheyana ?

 

If u do this way...you will save 21% APR's and will pay 13% APR...so totally u save 8% APR on Credit cards of $5000 which is about $400...

 

2. Lekapothey...oka 50% credit cards payemnt chesi....remaining 50% APR ..india ki tra-nfser kottana ??

 

Same calculation as #1.....

 

ila inka emina scenarios telusa meeku...edina simulators/ calculators vunnaya to manage my funds carefully.... ???

 

Creditkarma lo caluclators vuntayi try that....

 

 

 

PLease help...

 

Thanks in advance...

 

What is suggest u...is...

 

Pay-off all ur credits card=s like 95%....and use the rest 5% every month....so ur credit score increases a lot...if use 5-10% and repa-y it every month....

 

then keep paying some big amounts on personal-loan from DCU also....so...u can save some 13 APR interest on loan...

 

 

[Novak_Djokovic]

naa suggestion entante.... do balance transfer to new credit card for $1000 ... personal loan lo inko credit card min 50% pay cheyyi... balance India pampko...

 

ok bro thanks....

 

so...

 

do balance transfer to new credit card for $1000

 

new credt car-d....lo...$1000 ni...balnace transfer cheyyana....for old ban-of america Credit=card....so will pay-off total 100% of that card....right ??

 

but balance transfer ki 3.00% APR vuntadi anukunta kadah...first few months free balance transfer aa ??

 

personal loan lo inko credit card min 50% pay cheyyi

 

D-cU...peron-sal loan tho inko cit-i credi-t card lo $4000 lo 50%...$2000 pay-off cheyyana ??

 

so nenu ...dc-u loan amount lo $2000 used with 13% APR....

 

inka cit-i cardd----$2000 used with 21 % APR...

 

 

balance India pampko...

 

inka naa balance loan amount---$3000 india ki send cheya mantava?

 

i will end up paying.... $400 interset on ci-ti cred-it card(21% for rest $2000)....$600 interset on loan (13% for totalused $5000)....for an year....

 

is this good bro ??

[Novak_Djokovic]

My suggestion will be, clear out the balances 1st, 21% apr ante too much

 

Yaa....

 

that's the reason...i took...personal...loan from dc-u...at 13%...for $5000...

 

every big-financial ban=ks...credi-t ca-rd u have to pay mostly....21% APR...only...after 12-18 months of card activation....

 

like d-cu...creidt-card...NWFC-u...credit card has low APR%

[BillMarkSteve]

Like...

 

Naaku 2 credit cards vunai....

 

Cit-i card- ---------------------------------------$4000-----95 % used/ utilised--with 21.00 % APR

 

bank-0f-vomri-ka--- card---------------------$1000 ----95 % used/ utilised--with 21.00 % APR

 

ippudu DC-U personal loan vachindi....---$5000 with 13.00 % APR...total funds available....

 

New cre-dit card kuda okkati---approved-$1000 with 0.0 APR...total limit available....

 

 

Ippudu India ki x-00-m lo send chedam money ani thniking....

 

 

Entha money send cheyachu nenu India ki...like....???

 

Nenu funds ela manage cheyalli....

 

1. Personal loan money with 13% APR...credit cards amounts 80% payment chesi...remaining amount India send cheyana ?

 

2. Lekapothey...oka 50% credit cards payemnt chesi....remaining 50% APR ..india ki tra-nfser kottana ??

 

ila inka emina scenarios telusa meeku...edina simulators/ calculators vunnaya to manage my funds carefully.... ???

 

PLease help...

 

Thanks in advance...

 

ltt...help...bump...

[Potugaadu]

pay off the credit cards with dcu loan

 

and then pay off dcu and hold for some time

 

oka edadi manchigaa clear gaa unte u will get higher limits

 

ee 1k -4k limits ki cards  teesukodam waste

 

long term plan cheyyi.. paavala ardha rupai ki aasa padaku

 

 

[Novak_Djokovic]

pay off the credit cards with dcu loan.....>>>>  Ante...total 100% credit cards pay-off cheseyana??

 

and then pay off dcu and hold for some time--->>>Ante....10-12 moths span lo....DCU...$5000...loan...with 13 % APR kuda...pay-off cheseyana ??

 

oka edadi manchigaa clear gaa unte u will get higher limits----> yaa...scrore above 730 vunte...limt ekkuva ravachu emo.....

 

ee 1k -4k limits ki cards  teesukodam waste---->> agreed bro....

 

long term plan cheyyi.. paavala ardha rupai ki aasa padaku--->> long term ok.....paavala ardha rupayi logic ardham avvaledu....

 

thanks for the info...

[Potugaadu]

thanks for the info...

pay off the credit cards with dcu loan.....>>>> Ante...total 100% credit cards pay-off cheseyana?? - Yes



and then pay off dcu and hold for some time--->>>Ante....10-12 moths span lo....DCU...$5000...loan...with 13 % APR kuda...pay-off cheseyana ?? - Yes



oka edadi manchigaa clear gaa unte u will get higher limits----> yaa...scrore above 730 vunte...limt ekkuva ravachu emo... --- Right..



ee 1k -4k limits ki cards teesukodam waste---->> agreed bro....



long term plan cheyyi.. paavala ardha rupai ki aasa padaku--->> long term ok.....paavala ardha rupayi logic ardham avvaledu....

:)

Monna kooda oka thread vesaav.. rupai strong avvuddi ippudu pampithe laabham ani

pamper ee 5k ki taggithe entha perigithe entha..aa bt fees and interests choosukunte migiliedi emi ledu..effort tappa

so relax..appu chesi pampoddu..nee credit card limits perigithe appudu denikaina use avuthaayi..ilaa chilla chillar draw chesi emi laabham..


u have long future..so relax and stay clear of any credit cards and hard pulls for sometime

[Novak_Djokovic]

pay off the credit cards with dcu loan.....>>>> Ante...total 100% credit cards pay-off cheseyana?? - Yes



and then pay off dcu and hold for some time--->>>Ante....10-12 moths span lo....DCU...$5000...loan...with 13 % APR kuda...pay-off cheseyana ?? - Yes



oka edadi manchigaa clear gaa unte u will get higher limits----> yaa...scrore above 730 vunte...limt ekkuva ravachu emo... --- Right..



ee 1k -4k limits ki cards teesukodam waste---->> agreed bro....



long term plan cheyyi.. paavala ardha rupai ki aasa padaku--->> long term ok.....paavala ardha rupayi logic ardham avvaledu....

:)

Monna kooda oka thread vesaav.. rupai strong avvuddi ippudu pampithe laabham ani....I did...

pamper ee 5k ki taggithe entha perigithe entha..aa bt fees and interests choosukunte migiliedi emi ledu..effort tappa...NOt agreed...Money kuda save cheyachu....

so relax..appu chesi pampoddu..nee credit card limits perigithe appudu denikaina use avuthaayi..ilaa chilla chillar draw chesi emi laabham....Labham vundi...kani koncham anthey...


u have long future..so relax and stay clear of any credit cards and hard pulls for sometime....agreed....