● Operation Active
DEBT
STRIKE PLAN
Jerair · 6-Month Recovery
Total CC Debt
$8,540
Start: $8,540
Paid Off
$0
0 of 18 payments
Current Score
600
Goal: 715+ in 6mo
Saved (Interest)
$0
vs. minimum-only
Mission Progress
0%
00
THIS WEEK
🚨 Urgent · Do Now
Stop the Bleeding
Both cards over-limit — fix before statements close
Pay Capital One — get under limit
Before May 26 (statement close)
$50
Pay Apple Card — get under limit
Before May 31 (statement close)
$100
Set autopay = Minimum on all 3 cards
Capital One app · Discover app · Wallet app
FREE
01
PAYMENT SCHEDULE
02
CARD STATUS
Capital One Quicksilver
28.74% APR · Closes 26th
$1,987
102% utilization · OVER LIMIT
Discover It
24.49% APR · Closes 12th
$1,473
98% utilization
Apple Card
25.49% APR · Closes Last Day
$5,079
102% utilization · OVER LIMIT
RULES OF ENGAGEMENT
No new credit cards
No Klarna, Affirm, or Afterpay
No "treat yourself" charges to these cards
Don't close paid-off cards (history matters)
Pay BEFORE statement close, not just due date
Check score monthly in CreditWise app
Keep a $174 buffer for unexpected costs