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  3. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  4. To start with, I’m overseas and married in China. The past 2 years have seen our credit card usage sky rocket, initially it was paid off at the end of the month, but this year with several family tragedies having struck, it’s gotten quite high. In terms of debt, I have the following. American Credit Card debt: 15000$ Two European Mortgages : 14000€ Tax debt in the States: about 1300$ Monthly expenses Rent. : 315$ Food. : 300$ Utilities w/phone. : 150$ Transport. : 100$ Mortgages. : 660$ Credit Cards. : 400$ Tax to IRS : 285$ Incidentals. : 100$ Total expenses about 2350$ Total income. about 3500$ for me Wife’s income is entirely savings, but maybe around 800 a month. This is going towards a surgery fund for my wife’s mother. I own several smallish properties in the states, we own an apartment in my wife’s hometown also. I’d like to see about consolidating the credit card debt into one bill, and or see about getting a large enough loan to pay off everything I owe. We were saving quite a bit until this year started, and then family tragedy after tragedy sort of killed things in that manner. I’m just not sure how to go about seeing if I I could even get a loan from the US, but overseas. Just looking for guidance. We’re not in the hole, but not in the green yet either.
  5. I ended up spending about $700 with Discovery via PayPal last month (for which Discovery paid me $11, using math that only works on their planet). In the morning I'm going to attempt to send the balance of the $1,500 spending cap that remains to TAD using Discovery/PayPal and then sit back and wait for the next inevitable Discovery disappointment. Has anyone successfully gotten 5% back this way, this quarter?
  6. Yesterday
  7. I just slipped (bare feet on carpet) and tumbled down four stairs.
  8. For both of these you will need to file a complaint against each CRA with the CFPB Make sure you send a follow up dispute to each CRA as suggested. (use your own words but include the paragraph provided) https://whychat.me/hipaaftccomp.html
  9. My mother stopped using her Discovery Phony Miles card after the anniversary rewards bonus posted. A month later they bumped her limit by $2k (to an astonishing $8,700). This would have been somewhat useful when I was making multiple mid-cycle payments to keep her under her ridiculously low limit. Discovery can FOAD.
  10. 100% guaranteed that anyone who uses the word "reclaimed" is a tool. It's right up there with "sustainable."
  11. I suspect there may be a Bomgaars angle, but their site doesn't list all of the merchandise they sell, so I'm not counting this one just yet. For anyone who's interested, they're giving away unnecessary apostrophes here: https://www.bomgaars.com/departments/sporting-goods/ Link to their charge card page: https://www.bomgaars.com/customer-care/charge-accounts
  12. Going by my arbitrary rules, Walmart is too general of a retailer. Menards was accepted, but it was a wobbler. I let it go because disallowing it would have been hypocritical after allowing Fleet Farm in.
  13. a friend of mine likes his gamecock german vehicle. I told him I wouldn't pay that much for something built by a guy named Bubba
  14. or this genius: A Border Patrol agent threw a gender-reveal party. He ended up starting a 47,000-acre wildfire.
  15. Of course, then you will have to figure out whether it is German-German or American-German LOL!
  16. on second thought... it might be better than idiots doing burn-outs for their gender reveal party. https://www.motor1.com/news/358978/australia-burnout-catch-fire-video/
  17. This sort of an institution had a lot more use 15-20 years ago when some lenders got all heebie-jeebie when the co-applicant was described as partner or where two guys would refer to the partner as their husband/ two women would refer to their partner as their wife. It simply isn't a huge factor in the current era. I'm guessing there is some money laundering going on here with this new one, although it will be hidden under the guise of "allowable losses for bad loans" or whatever the current nomenclature might be...
  18. Their 5% category for October through December is Amazon.com, Target.com, Target, or Walmart.com. Could you use it at any of those places to give it some use, earn 5%, then pay it off? DW and I will probably go to Target and buy $1,500 worth of gift cards to max that category out.
  19. TAD's garden was very busy while we were on vacation last week. I tossed the tomatoes that he harvested yesterday in avocado oil, along with fresh garlic, yellow peppers and onions. Next I sprinkled it all with salt, pepper and bit of sugar, and drizzled it with balsamic vinegar, before roasting it all in the oven in two batches spread on two baking sheets each. The food processor puréed it all up, and with a bit of water and a few dots of herb paste, voila, roasted tomato sauce. I bought some tomato paste just in case, but this needed absolutely nothing else. I froze two 24-ounce portions as-is, and to the rest I added 2.5# of baby portobello mushrooms I'd sautéed in oil with more garlic and more onions.
  20. I'm not gay, but have been asked by cashiers if the Citi DC card I handed them was some sort of gay pride card.
  21. 🤣 Should probably just soft ban me for 30 days for my own protection.
  22. That would not work. While I am not Gay, I would consider joining just to bother a few intolerant acquaintances!
  23. I assume that the credit union will be getting members based upon word-of-mouth, and will be something like a community credit union. I don't think a credit union can put in their field a membership that being gay or straight is an eligibility requirement. The same for indicating specific religions, ethnicity, and so on.
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