https://creditboards.com/forums/index.php?/discover/CreditBoards - All ActivityenDid more digging and it appears medical debt under $500 is not reported to credit agencies. https://www.experian.com/blogs/ask-experian/medical-debt-and-your-credit-score/ https://newsroom.transunion.com/equifax-experian-and-transunion-remove-medical-collections-debt-under-500-from-us-credit-reports/ https://www.equifax.com/personal/education/credit/score/articles/-/learn/can-medical-debt-impact-credit-scores/ So now I'm thinking I don't need to worry about it at all.Tue, 11 Aug 2026 13:29:23 +0000Thanks Why Chat, I was hoping to see you here. Since this was over two years ago, I have no idea where my EOBs are. I will reach out to Guide Anesthesia today. The CA's letter says if I do not respond by Sept 6 they will assume the information is correct, so I'm guessing I need to say something to them at somepoint?Tue, 11 Aug 2026 12:40:26 +0000I doubt that this is a valid claim. However you can check with Guide to see if there was any left over billing. DO NOT respond to the CA as that would tell them that you are a "Live Sucker" If you received an unexpected bill from Guide Anesthesia, it is typically for professional clinician services not fully covered or processed by your insurance. To resolve an unknown or surprise charge, verify your insurance Explanation of Benefits (EOB), confirm network protections under the No Surprises Act, and contact their billing support directly.Mon, 10 Aug 2026 23:09:19 +0000The leasing option is so bad financially. Better to use the 0% on the Apple Card for 12 months. Unfortunately Apple Card no longer allows that for unlocked iPhones.Mon, 10 Aug 2026 18:16:57 +0000Received a letter yesterday from Business Revenue Systems Inc. telling me I owed $200+ to Guide Anesthesia. I had two eye surgeries in 2024, that is the only time I could have ever needed the services of anesthesia. I also believe I never received a bill for this. What is the best way to handle this? Is there a time limit for collecting? It's been over 2 years since I had the surgeries. Is there still the $500 or less rule where medical debt and collections doesn't show on credit reports? TIA!Mon, 10 Aug 2026 12:18:34 +0000My mortgage got sold again. FICO "only" dropped 16 points this time when the old lender reported it as paid off. I have no doubt it will pop right back up once the it starts showing again.Mon, 10 Aug 2026 12:06:39 +0000Tori Spelling poses in racy bikini top as she addresses departure from Jennie Garth's podcastSun, 09 Aug 2026 13:14:41 +0000I have a Bread Rewards American Express Card now for 18 months. I started out with a $4,100 credit limit and in February they increased me to $5,600. I pressed the love button today and they increased me to $7,100. I pay my account in full every month and I usually charge about $1,000 a month on my card. They sure are stingy! My cli was a soft pull. Over the course of that 18 months I've racked up 21,000 points and sadly that only amounts to $210. I have a couple of accounts with Comenity Bank. It's been slightly less than 6 months since my last increase.Fri, 07 Aug 2026 03:01:21 +0000see the funny thing is I opened cards with both C1 and Discover just about 3 years ago. C1 has been much more generous with me, whereas Discover I plateaued at $10k for over a year and just last week finally got my first CLI in ages to $12k. The only thing that was different was that I opened a C1 and a Citi card on the same day so I had two new accounts when I applied for Discover a couple months later.Thu, 06 Aug 2026 15:30:18 +0000They are both great credit lines but I think you're better off to focus on Chase as they are a better institution.Thu, 06 Aug 2026 04:15:20 +0000Well I finally remembered to take the letter to work today and called. Had to speak to a rep but I opted out. Hopefully there are no negative repercussions. I will try to use the card more instead of my Savor if I remember, it does need to get some workout because I almost never buy things at Walgreen's and I got in the habit of using my Savor for restaurants because I was trying to stimulate CLIs (I'm not really anymore, Savor is $24k, CFU is $26,500, so I'm fine with both of them)Wed, 05 Aug 2026 17:13:13 +0000You won't be blacklisted since the account never charged off. I think you have a very very good chance at a new account especially if you've maintained the rest of your credit responsibly.Wed, 05 Aug 2026 03:46:09 +0000A friend was able to rehab and once they paid off the balance they got their account restored with a spend limit.Mon, 03 Aug 2026 16:10:01 +0000I got the same notice and it said to call CS to opt out of the review.Mon, 03 Aug 2026 16:07:44 +0000Rule of thumb - ANYTHING they do is done to somehow screw you. If you can opt out, do it.Mon, 03 Aug 2026 15:06:06 +0000That is still considered you using the cards. This is how I pay my cards each month. 98% of my cards have a zero balance when the account cycles and I still get credit line increases quite often.Mon, 03 Aug 2026 05:07:54 +0000I was very surprised when I logged into my Bank of America account this morning and saw that I had an offer to request a credit line increase. At first, I wasn't even going to click on it because I had just received an increase within the last six months, and that one wasn't easy to get. I actually had to write to the President's Office and ask for their assistance before it was approved. Because of that experience, I assumed another request would be denied. After thinking about it for a few minutes, I decided I had nothing to lose by trying. Instead of asking for a large increase, I made a conservative request for an additional $3,000—and it was approved instantly. I'm not sure what Bank of America considers to be too large of an increase, so I decided to play it safe. Next time, I may try requesting a $4,000 increase instead. I've had this account for about two and a half years. It originally started as a secured card with a $1,000 credit limit. For whatever reason, the account wasn't automatically converted to an unsecured card after 12 months, and once again I had to contact the President's Office for assistance. They ultimately helped me get the account unsecured. I pay the balance in full every month and typically charge between $600 and $1,000 monthly. It's nice to see that Bank of America is now recognizing my responsible payment history.Mon, 03 Aug 2026 05:02:43 +0000I don't know about Chase, but Cap1 has sent me the same letter a couple times for a Savor card. Both times I called to opt out, was an automated system, and that was it. No adverse action taken.Sat, 01 Aug 2026 01:22:58 +0000Opt out.Fri, 31 Jul 2026 21:29:35 +0000Got a letter in the mail today, ironically the same day I finally got a CLI on my Discover and took it over $10k. I have a CFU with a CL of $26,500 and it's also my oldest open card at 19 years (it's not, really, but for some reason my BoA card says I opened it in 2012 when in reality I've been with them for about a decade longer, but that's irrelevant right now.) In part, the letter says blah blah blah "we noticed that your overall card usage with Chase and other issuers is low. Because of this, we may lower your credit limit to $13,250.00 in 50 days. If you anticipate a change in your spending needs, you can opt out of the review by contacting us at the number" blah blah blah. Now the truth is, I hardly ever use this card so $13,500 would really be fine, but I don't want to lose the CL because I am still possibly overly optimistic that I might be able to find a nice house that I can afford, and I'm trying to keep my credit as buffed as possible. My question is, what should I do? Should I take the CLD or is there any possible negative action they could take if I opted out of the review? Not sure what the best course of action is here as this hasn't happened to me before. It's kind of a gut punch after spending the last 3 years on a targeted mission to get my credit all shiny, and just in the past week or two I've both got all three FICO 8s over 800 and also broken an almost 2 year streak of CLI denials with Discover. I also only have really three remaining action items that I want to do with my credit; 1) get my APR down to the advertised minimum on my AmEx BCE (they won't re-evaluate until I'm out of my 0% introductory APR which lasts another month or thereabouts) and 2) get my CLs on my Citi Double Cash and Costco Visa over $10k, they're currently at $7k and $5k respectively. Any knowledge and guidance is appreciated.Fri, 31 Jul 2026 21:12:19 +0000Disco used to like to see action and it would result in regular CLIs. C1 on the other hand, I haven't gotten a single CLI in 10 years. Still remains to be seen if Disco under C1 will be like the old Disco or like C1. I tried a CLI request on my Disco that was migrated over to C1 today and it came back with: - Your request can’t be processed at this time due to account migrationFri, 31 Jul 2026 20:23:31 +0000Fri, 31 Jul 2026 19:32:49 +0000PayPal MasterCard increased me from $10,000 to $15,000.Fri, 31 Jul 2026 17:07:23 +0000Man, I had to go all the way back to the 2024 thread to find when the last time I got a CLI from Discover was... Opened 7/29/2023 for $2k Approved 2/15/2024 for $5k Approved 8/30/2024 for $8k Approved 12/1/2024 for $10k aaaaand drum roll please, finally busted out of the monthly rejection cycle and got approved 7/31/2026 for $12k! OK, that's not great but it's something. I'm assuming it's because my FICO scores have never been higher, I finally got all three FICO 8s above 800 within the past couple weeks. don't tell them I probably won't use it at all for the next three months...Fri, 31 Jul 2026 15:18:45 +0000Update as of 6:50 p.m. Eastern Time on 7/30/26: Customer service at Klarna has now confirmed that "No — your on-time Apple leasing payments will not show up on your credit report as positive payment history in the US". This is great news as it will not interfere with your credit history, assuming you have good credit history and can be useful as a hidden account as long as you make your payments on time.Thu, 30 Jul 2026 22:56:51 +0000