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Occam

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Everything posted by Occam

  1. BoA sent me an "extra 4% up to $100 through 12/31/20" (i.e., $2500 spend) offer on this card which makes it at least 7% online, more if you bank with them. Some people only got 1% extra. Check your spam box!
  2. It is accurate if you care about Vantage 3.0. It's usually accurate to within 372 or so for estimating the scores lenders use.
  3. You've got a Sharpie. Why not make it a Black Card?
  4. Couldn't hurt to try for different fake True Names on different Citi cards. Maybe collect all the possible genders.
  5. If you were a marketing consultant you could have been paid $50k for that.
  6. Milky Way bars probably contain traces of actual cocoa for marketing purposes, but apparently not enough to harm a dog.
  7. I'm in the same boat in another state but only looked at PNC biz cards. Can't get them here either. You might want to grab the $500 SUB BBVA Select Card before the acquisition, if you haven't already. AF waived first year, then $99. It's not worth keeping after that but maybe you'll be able to PC to a PNC card. I will just close mine after a year unless PNC transitions it to something better or allows a product change.
  8. Biggest upside: Will they rename this bank "Truist" after the acquisition?No.
  9. 5% back on up to $500 of online purchases1 as a statement credit for eligible enrolled Citi® credit cards. Start earning from enrollment or 11/24/2020, whichever is later, through Cyber Monday, 11/30/2020. Sign on to Citi Online to see if you are eligible and enroll in this offer https://specialoffers.citicards.com/citiholidaypromotion?cmp=pac_grow_2011_atl_giving_cashback All 5 of my personal Citi cards were eligible.
  10. AFAIK PNC personal deposit accounts are available nationwide BUT biz cards are not. I have PNC checking (opened online) but I'm outside their footprint for biz cards. Hope this goes through because I am in BBVA's footprint!
  11. You are in good shape except for the debt. Your scores are going to skyrocket when you get that paid off and the lates drop. You are also at 2/24 so don't waste slots on anything without a generous SUB or 0% BT offer. You are in the perfect demographic for Capital One SUB cards right now. Cap1 loves high util+moderate risk. They will be harder to get after you join the 800 club. Spark Cash has a $500 SUB and no longer reports to personal... You might be able to get rid of the lates a few months early too (there is an early deletion thread somewhere).
  12. Trigger words. We don't discuss pudding in polite society. It's FAT SHAMING!
  13. The workaround is to post an image of your True Name card on Facebook but hang on to the original for POS transactions.
  14. But a public service nonetheless if it scares gullible consumers off social media.
  15. You just answered your own question. As well as that other perennial question, "Why do you people need a million dollars in credit lines?".
  16. Yes. They threatened to disconnect my phone if I didn't pay.
  17. I haven't seen the perennial "Why do you people need a million dollars in credit lines?" question posed recently. Next time someone asks just point them here.
  18. Except most have nots who have credit cards have less because they lived off them when they had more. Too late to change the past but it's still good advice.
  19. Couldn't have said it better myself. Except for the fonts.
  20. Good to hear... friends don't let friends carry Credit One!
  21. Didn't you just finance a car too? Not sure who you financed with but did you see these refinancing offers? Maybe you can get a better rate plus a few extra dollars to pay down that 11% CC. Then you can bring up both auto loans and CCs and pretend you're bragging instead of being bossy, lol. Penfed: Auto Refinance with $250 Bonus ($10k min refinance) https://www.penfed.org/auto/refinance NFCU: Refinance your current auto loan from another lender and get $200 ($5k min refinance) https://www.navyfederal.org/loans-cards/auto-loans/auto-refinance-rates.php
  22. AI just needs to invent a workaround lol.
  23. That's WF-speak for "we suspect you are too smart to be profitable." WF got burned a few years ago on their unlimited 5% back for 6 months offer. Now they are on the lookout for CWs and churners. But opening a deposit account with them helps a lot. If you don't have one there's a $400 personal checking SUB. I can't get personal CCs with them anymore either ("too few accounts with balances," "number of revolving accounts on credit file," etc). But they still approve me for biz CCs. The biz plat has a $500 SUB and $0AF and won't impact your x/24. Approval odds are best af
  24. “I don’t think we’re ever going to lose money again,” -Doug Parker (AA CEO), September, 2017
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