Novak_Djokovic Posted April 16, 2014 Report Posted April 16, 2014 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...
Ranga_The_Donga Posted April 16, 2014 Report Posted April 16, 2014 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 Posted April 16, 2014 Report Posted April 16, 2014 My suggestion will be, clear out the balances 1st, 21% apr ante too much
Leonardo_Di_Carpio Posted April 16, 2014 Report Posted April 16, 2014 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 Posted April 16, 2014 Author Report Posted April 16, 2014 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 Posted April 16, 2014 Author Report Posted April 16, 2014 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 Posted April 16, 2014 Report Posted April 16, 2014 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 Posted April 16, 2014 Report Posted April 16, 2014 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 Posted April 16, 2014 Author Report Posted April 16, 2014 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 Posted April 16, 2014 Report Posted April 16, 2014 thanks for the info...pay off the credit cards with dcu loan.....>>>> Ante...total 100% credit cards pay-off cheseyana?? - Yesand 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 ?? - Yesoka 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 anipamper ee 5k ki taggithe entha perigithe entha..aa bt fees and interests choosukunte migiliedi emi ledu..effort tappaso 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 Posted April 16, 2014 Author Report Posted April 16, 2014 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....
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