You don’t need another loan. Stop buying things you don’t need and just throw your extra income at your debts. You have less than 15k of debt. I don’t know what your new income is but if it is as good as you say you should be able to get rid this whole debt is less than a year.

Are you talking about leaking from the faucet or from the handle? If it's from the faucet, it might be a spring inside the valve body that helps seal the water that is no good. You can just take apart the handle and replace the spring and seal. BTW, alot of these faucets are lifetime warranties. You can call the manufacturer and they will send you parts for free. You don't need a receipt for the faucet.

1hp...

Actually a few different Abby’s said yes… so now he has choices…

Use your bank's auto pay as the backup. The whole concept of artificially keeping your utilization low by paying before the report date is OK in principle but practically speaking not necessary. If your utilization is always high without prepaying (say above 30% of overall credit limit), then your credit limit is to low (or your expenses are to high). In this case you need to open more credit cards to increase your overall credit limit.

If you occasionally go above 30%, that is perfectly OK. Your score might fluctuate but will all be transient.

Keep in mind utilization is calculated based on your overall credit limit not card by card.