So, this is the final card in the series. Yay!
I got this card late last year, right around the time the Fed lowered interest rates the first time (I think). Anyways, it was one of those offers that came in the mail-0% interest for a period of time, yadda yadda. Normally inclined to shred these things, I took a look and realized this was a really great deal! The zero interest rate was going to last for over a year, until 02/09; the interest rate afterward would be 9.99%. I felt like I'd just found buried treasure.
Now, this offer came just a month or so after I had already opened up another Chase card (CC #6), and I really didn't know if I would be able to open another so soon after. But I gave it a shot anyways and hoped for the best. Good thing too, since now I'm paying down a boatload of debt at 0%!
This card makes me feel like I did something right along the way. All the struggle to make timely payments, to pay more than the minimum due, talking to the credit card companies about interest rates...all of that slogging paid off with this card.

This was a balance transfer card, with that heavenly 0% APR for 6 months. This is the last month with no finance charges, sadly, but the APR is going to be nice and low. Yay!

I've decided that every so often I'm going to provide an update of my total credit card debt and credit score.
So, as of today, here's the current picture:

CC #1: $947.44 (19.9%)
CC #2: $5,428.37 (14.24%)
CC #3: $1,001.30 (12.99%)
CC #4: $1,577.85 (12.99%)
CC #5: $4,230.87 (9.99%)
CC #6: $4,706.87 (0%)
CC #7: $6,284.70 (0%)
Total Credit Card Debt: $24,177.40

Credit Score: 625

This may be my favorite card now, if only because it has such a colorful history!
Citi was actually my first credit card. It had an $800 limit, which I managed to meet and exceed within about 3 months of receiving the card. You can check out my second entry for details on what happened with this card.
Anyways, I got a new Citi card about 5 or so years ago, though I can't remember why. Within the past couple of years, this baby has see a lot of action! The most memorable was the $1600 cash advance I took to help my then-boyfriend purchase a crotch rocket motorcycle. (I should have known at that point that any guy who drives a crotch rocket is not the guy for me!)
Making that loan was a major mistake for me, for a couple reasons. First, I just shouldn't have offered to assist him with that purchase. Ours was not a real give-and-take relationship, and my loan was a misguided effort on my part to get him to love me. Second, I had to pay interest on that cash advance for a year before he paid me back! And he only paid the $1600, since I didn't have the balls to make him pay the interest.
This was also one of the cards that helped me get through massage therapy school. Tuition, books, supplies all were charged to this card.*
I actually had to pull this card out recently to help pay for a prescription and some household items. I'm not really happy about that, since I'm really making an effort to not use my cards, but I had a $100 prescription deductible and no cash to cover it. Health vs. debt...Health first!


*I had another card for this purpose, but the 29.99% interest rate was brutal (obviously) so I made some balance transfers and now have a zero balance on that one!

I really can't remember how I got this card or why, though I suspect it was in a balance transfer situation. I recently made some charges on it, a bunch of Metrocards, in an effort to ward off the $5 fare increase.