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That's wild man, did you put a freeze on your credit?
Yep. Froze everything and locked my cards. Never had that happen before. Got everything locked down now.
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That's wild man, did you put a freeze on your credit?
Any recommendations for a family credit card for groceries, gas, and common household bills?
Just looking to consolidate shared expenses between my wife and I to maximize rewards. Cash back is always cool. Not too enticed by travel perks since I don’t see us traveling more than twice a year going forward. But open to any recommendations.
Any recommendations for a family credit card for groceries, gas, and common household bills?
Just looking to consolidate shared expenses between my wife and I to maximize rewards. Cash back is always cool. Not too enticed by travel perks since I don’t see us traveling more than twice a year going forward. But open to any recommendations.
Amex blue has 3% on most purchases now.
To really maximize, your best bet is getting multiple cards that offer 5% quarterly. I alternate between discover,chase
Someone was calling around to the different banks I have relationships with (like Chase) pretending to be me. This person even called my company’s corporate card customer service hotline. ****ing ridiculous.
I got a new CC that i thought had no minimum payments for the first few cycles, turned out it did & they added the late payment to my credit report, that **** dropped me almost 90 points!!! heated is even the word yo.
all other history never had single late payment & that one bull**** card caused this much damage. Anyone had experience with this? and does your score bounce back quickly after paying it off?
Won't happen overnightAnyone who's a guru at fixing personal credit hit my DM.
I'll pay you a monthly fee
Gonna use Lexington Law and a whoever wants to make some cash
Send letters of appeals/disputes after a few months.I got a new CC that i thought had no minimum payments for the first few cycles, turned out it did & they added the late payment to my credit report, that **** dropped me almost 90 points!!! heated is even the word yo.
all other history never had single late payment & that one bull**** card caused this much damage . Anyone had experience with this? and does your score bounce back quickly after paying it off?
Man I came in this thread like 7 years ago or some amount of time like that.Anyone who's a guru at fixing personal credit hit my DM.
I'll pay you a monthly fee
Gonna use Lexington Law and a whoever wants to make some cash
I'ma dm youMan I came in this thread like 7 years ago or some amount of time like that.
I was looking into doing Lex Law, some of the guys in here at that time talked me out of it and told me to do it myself.
I did just that and I'm glad I did. I had to read a couple books and a ton of articles. But I never made the mistake again. So i would say it's better to get yourself out of the mess you made, unless you don't truly have time to do the work.
You could've let it build up and sued them for a nice bagDon't put too much trust in whatever card service you use to catch mistakes. One of my cards was charged interest for the first time this year which was confusing because I pay each card in full every month and look over all my statements. I had to reach out for them to fix it
Barclays credit cardYou could've let it build up and sued them for a nice bag
What bank is this? Guessing Bank of America, Wells Fargo or Santander
NT Advice:
So, ya boy has been going a little wild with the cards(crazy times). Used it for a trip and new drone which I make money with, sons dental care and some other stuff...
I have 6.3k cash!
Everything is around 14% interest rate...
$6k Discover
$4.3k Chase
$2.3k Cap One
$870 Amex
$430 Care Credit
Would you pay off the discover card since it's the highest amount?
Or would you pay off all of the lower amounts, and throw the remaindered at chase?
I'm going to consolidate the remainder and try to get a lower interest rate. With these FED rate hikes i know it's crazy right now.
Luckily my debt ratio is still below 25 percent and my score is still high other that a few point hits.
Thanks for the advice.
Very true, a balance transfer wouldn't be a bad route.I would definitely smash those smaller balances. You wanna get the larger balances down to at least 30% util and work from there. You could always try for a new card to do a balance transfer to give you some breathing room pay it down without the interest. I know Penfed & NFCU are always offering BTs for 12-15 months.