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I wonder what the annual fees on all those cards are. I'm not familiar with a lot of them, but I googled the ones that sounded the shadiest and yep there's AF's.

Three new accounts in January.

I really want the 5% off Walmart online purchases. I have a QS that I never use because it's only 1.5%. Fico is 800+, util < 1% reporting, no baddies. The pre-qual says no due to recent inquiries and recent new accounts, both of which are true. I recently opened a few cards. Is the pre-qual denial a guaranteed denial if I apply? I have a bunch of big WM online purchases to make, and that 5% would be very nice.

I filed yesterday, and the NYT calculator is pretty spot on for me. The tax cuts are saving me about $2500.

To update, I ended up not asking for a CLI on the 2nd card because I thought it might look bad. I did ask them to combine the limits, and they did.

I got a $7500 CLI on my PenFed, bringing me up to 22.5K. I have another PenFed card I never use. Should I ask to combine the limit onto my 22.5K card? Or maybe ask for a CLI on that card as well, then call to combine a week or so later? My goal is 50K on the one card. I have a 50K limit with Discover already. Any thoughts?

There used to be a politicsfirst website run by the people here meant for political discussion that wasn't wanted on this board. Wasn't very popular and people would still post political stuff on here. Also, Mickey Mouse for President 2020. Yeah, I said it.

I'd just go to your PCP. Going to a neurologist is a bit of an overkill. Sounds like migraines to me. It's not uncommon for children to get them. Prevalance is 4% to 7%. Many people outgrow them. There are triggers for migraines. If you can find a trigger, you can avoid many migraines. A common trigger is chocolate. Here's a trigger list: https://migraine.com/migraine-triggers/food-and-drinks/ I would recommend avoiding things on that list to see if it makes a difference. If the migraines continue, see your PCP. There are medications that can help. Migraines suck. Sorry.

Other than the sponsorship of sports teams, I don't care about any of those. Banks are turrible.

That's fantastic! FYI: I was a bit disappointed when I paid off my house and the paperwork I got in return (Deed of Release) is really nothing but a dinky piece of paper not suitable for framing. I really thought I'd get some kind of title thing like one gets with a car, and I wanted to frame it and put it on the wall. Nope. Also, it took between 2 and 3 months for the paper to get to me after I paid off.

Sometimes zero balance credit cards survive BK.

Sometimes people do change.

The dollar bills in your wallet/purse have no intrinsic value, either. In case you're not familiar with it, the term is fiat.

No. Once you're on the dirty list there's no love. I thought I read somewhere that sometimes they do put you back on the nice list, although it can take years. Anyone else read that?

WTG! What are your scores and util? Util < 1%. EQ FAKO 749