Thanks Jess!😜🎉

Thanks so much!!🙌🏾🎉💕

Hey there! 👋🏾 Thanks so much for tuning in!! I hope you enjoyed it!💕

🤣🤣 Thanks! That is the plan!

Thanks!!

That's the plan!🙏🏾

I mentioned in the video both capital ones will be paid off!😉🙌🏾

@@jeluxebudgets Yes, paid off yet available for use at the high end of higher end interest cards. Just having higher end interest cards, also low balance cards, can affect the type of credit offered in the future. I wouldn't make any moves beyond the 0% interest Citi card until after 3 to 6 months of more aggressive debt pay off and pay down for a couple of reasons. One of which is that you've got that 30% of available credit on an individual account but total available credit is important too; open accounts with zero carry over balances help in that regard. Another is that you're making bolder moves with respect to your credit, pay off, and pay down right now; usually it takes a minimum of 3 to 6 months for the credit worthiness calculations to feel comfortable and adjust credit ratings; and you want a little time with your current plan with some of the dust settling. You make take a little bit of a hit with new versus old accounts and also with a bit if a credit limit drop. If you can however refrain from going over that 30% credit utilization rate right away with a new replacement card (something they look for) your credit score can quickly recover plus go even higher. The credit score will only go so high with a 32% to 33% card.