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@jlinked So I have three cards total, AMEX Platinum, AMEX Gold, & NAVY FED Cash preferred. I was sitting at 800 last spring but given life and all this jazz I’m down around 730. I’m not planning any major purchases at all, BUT I wasn’t planning anything that put me in this spot either..

@jlinked I just don’t like credit cards and correct if I’m wrong but won’t it be a pretty negative hit to my credit to get a card and just butcher the utilization on it? I would ideally be able to pay everything off within the promotional window of the card but in all honesty I’m not sure if...

@kiwisalad Yeah, we’ve cut down our spending to bare necessities so we could be aggressive with the debt but it just seems so far out of reach. My clearance is in good standing still because my debt in the grand scheme of things isn’t much when compared to income and my minimums are payable...

@jnel So I just looked into it, I already have a Navy Fed Cash Preferred card so opening up wouldn’t qualify me for the transfer APR. thank you for the suggestion though!

@holywalk I was aware of the penalties but wasn’t sure if they outweighed having this much debt. Mind if I PM you a small spreadsheet I have that covers my finances?

Super quick background details: E6 with 9+ years, “High 3” retirement, married with one kid, TSP: $22,000 So me and my wife ended up in a rough situation where we were in the middle of moving into our new home and then had to pay for multiple funerals out of pocket and having to handle some...