I live in Texas and my house was assessed @ 460K. My tax rate is 2%, so my yearly taxes are $9200. The 20% Homestead Exemption brings the value down to 368K with taxes of $7400, a yearly tax savings of $1800. I was able to do the exemption online.
This isn't true if it is a conventional loan unless something has changed in the last 2 years. We live in Texas and our mortgage is just in my wife's name. My credit, income, & debts were not used but my name is on the title.
I used online chat to close my Hilton HHonors card and reallocate the limit to my BCP just this week. They kept $500 on the Hilton but the entire process was completed in 5 minutes and the new limit showed up immediately on my BCP but both cards were over 13 months old.
This is true. When Score Watch updated to EQ 08 from 04 I was notified by email about the change and given a free credit report. My Equifax score increased from 741 to 785 with the change to 08.
Within the last 6 months I cancelled 2 Cap 1 cards when the annual fee was due. The annual fee on my last Cap 1 card is due this month so I decided to try the EO since the card is over 12 years old. They upgraded the card to a Quicksilver and waived the annual fee for this year and increased the CL from $1500 to $10K. I'll try again next year on the annual fee.