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About Art_Vandelay

  • Birthday August 19

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  1. HI, been a LONG time since I've been on the boards. CB gave be some wonderful advise and inspiration through the years. Long story short. I was able to open up 2 successful restaurants and 2019 was a banner year. All that has changed. Haven't been open for 3 weeks now since I was bleeding cash staying open. I have no idea how long this is going to last and I really think that when the country is opened back up it won't rebound like it was before. There will be a paradigm shift in the way people eat and live their lives and places like fast food restaurants will be hit the ha
  2. Any good reason? Well probably like a lot of people that get overwhelmed, she was living paycheck to paycheck. Single Mother. All it took was an accident with an uninsured driver and out of work to deplete what savings she had. Nothing unique and like a house of cards, losing her car just takes things to the next step. And not in a good way.
  3. LOL, of course I'm paying her. She was out of work for 4 months from a car accident. Just started back to work. Thought I'd help her out. But thanks for the info.......
  4. An employee of mine had their car repossessed today while she was at work. She had not made a payment in 92 days. It's a $20,000 dollar car and she owes less than $900 dollars on it. She was out of work for 4 months dues to an accident. I offered to front her the money to get her car back. But when she called the CU they said that she had to make ALL her payments that she's now behind on the past 3 months. So they won't release the car unless she pays $600 dollars in past due car payments, $400 impounding fee, Credit card payments of $1200 and also a draft fee of $480 dollars. Even
  5. LOL, funny, but I have to agree with you on this one. At least the fools I deal with on a daily basis at the USPS. *SORRY off topic a bit* I ship an average of 200 packages a week. Always print labels for MORE than the package weights. Last week I got back more than a 100 of them. Some salamander wrote all over the packages, "NEED more postage, WAY underweight". Then went on to write the weight all over these packages. "This one is 4 oz, this one is 8 oz, etc. But the problem was (if they would have looked at the weight on the label) was that ALL of the packages were OVER what they s
  6. A late payment is one that is paid after the due date resulting in a late fee. No big deal but don't do that too much. A missed payment is one that is actually MORE than 30 days past the due date which results in a HUGE ding on your credit score and stays there for 7 years. It looks like you were 33 days late Past the due date so it shows up on your report.
  7. Totally NOT the case. As with everything YMMV. They've been very generous with me. Never declined a CLI. Have gone from a starting limit of $3,000 on their MC to $15,000 and their AMEX Cash from $8,000 to $28,000. Also have offered low BT's all the time. ALWAYS a hard INQ. Has always been an EQ pull too.
  8. Just a brain fart funkiehouse, LOL. Wasn't thinking and it was 3 in the morning when I just thought "What the heck". Lets get one more EX inq, LOL. Now I know
  9. Thanks everyone. Still learning after all these years mjfan82 Amex always opens new cards from the point you opened your first one. So instead of it showing up as a new account and lowering your Average age of accounts it looks like it's been opened for however long. In my case the 1 new account that did appear on my CR has an opening date of 1987 which bumped up my AAOA. So when if you had an AMEX for a while it can greatly help you out especially if you've added new accounts. Didn't do it this time but my score has actually increased by opening up a new AMEX account.
  10. I upgraded a green AMEX to Gold and then also got a new credit card with AMEX to churn my average age of accounts. I had 4 AMEX accounts. 2 charge cards and 2 credit cards. But now instead of showing 3 credit cards and 2 open charge cards and 1 closed charge card for a total of 6 accounts dating back to 1987, it only shows the 3 credit cards and 2 charge cards. It looks like the new Gold card was just put into the slot that the green card was. Instead of closing it. So it STILL only accounts for 1 open TL instead of 1 open and 1 closed, Is this how that works? Was hoping I woul
  11. Search....there's a sticky Bob Wang did on this a couple of years ago. some like Cap 1, BBRZ and others don't even ask for an age. Others like AMEX which is 16 years I believe. I've done the same thing for my son, added him as an AU on all the accounts that I could when he was months old. Now 4 Years old and has a score around 800. Would be irresponsible to let your kid go out and apply for as many cards as they could when they're 18 without first being educated about fiscal responsibility though. I don't know of one 18 year old that wouldn't burn through $20 K of credit in a heart
  12. Mine was deleted the 2nd week after they closed it. Scrubbed all my CR's of their nasty presence, LOL. Of course I never used it one time so maybe that had something to do with it
  13. If I had to choose between a chase card with a $5k limit in a year, or a Chase card with a $500 limit now, I'd choose the $500 limit now, because in a year or two it could easily be $2500-$5000. Ya wanna bet? You need to slow down and read more. Just because you don't like the answer to your questions you shouldn't ask a dozen more times. Listen and learn Grasshopper!
  14. That was copy and paste. Wish you hadn't told me that. I envisioned you as the "Stephen King" of CB. Very prolific!
  15. You'll have that secured CC for at least 12 months. Just sit tight and they will release your funds and up your CL. I started with a $2K secured card and now it's $50K. But within that year I got another card starting with 8K. Your score is high, so just keep paying on time. Are you a "NEW" member?
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