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pistolp44

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  1. Someone awhile back had in their signature something like: "Credit is something the bank will extend when you can prove you don't need it." To me this is something of a "better to have it and not need it, than need it and not have it" situation. I doubt I'll ever come remotely close to using much of my available credit, and I'm nowhere near a CreditPimp, but knowing it's there if I do need it one day is very comforting. If credit limits get cut in half like someone earlier mentioned, I'll still be fine. (But that thought makes me want to get some more cli's now, it's been awhile.) Also for utilization and hobby.
  2. Pay it in full, and if you know they terminate employees for using the phone, don't use the phone. Have some respect for your employer and his rules, keep your job, and you will have the money to pay down your balances.
  3. Good to Good to know, thanks. Without going back and looking, I want to say I noticed a couple of advantages. My local bank offers waived pmi with 10% down and help with closing costs. Or somewhere thereabouts.
  4. I am planning on buying my first home in Massachusetts. Years ago I helped a friend buy a condo in Florida by giving him cash for a down payment. I was in no way associated with this otherwise. Recently he LLC'd it and made me 50% owner of the LLC. He takes the deductions, etc. and deals with the thing. I otherwise have no other real estate dealings or holdings. Does this disqualify me from "first time homebuyer" status?
  5. Wow. Out of all the wild threads on this board, this one has me wanting to bang my head repeatedly against the nearest wall. What is so hard to understand about 100% satisfaction guaranteed? And having to be in the store for the refund to take place? Absolutely absurd. Come on.
  6. Like my friends in IT say, the problem is usually between the keyboard and the chair. I think many people don't realize they can insert the card a lot soon than the end of the ringing-up of items. I also think that people like to complain. Have I told you about my bunions? +1 I try to remember to insert the card after the first item is rung up. It usually speeds the process some. Or more like makes it a little less slow.
  7. So you call to close, they don't offer, and you tell them you change your mind? I tell them I'll think about it. I called them the next day and they said the same. Maybe I'll call them today too. At the very least I'll call them after AF posts, try again, then maybe downgrade. Makes sense. I realize my post may have come off as judgmental...definitely not what I was going for. More so for learning so I can do the same. Not taken as judgmental at all. It's a perfectly valid question. I'm here for data points from others and to add mine. The more info that we have that can be disseminated among us hopefully results in a more sound strategy in achieving credit goals.
  8. So you call to close, they don't offer, and you tell them you change your mind? I tell them I'll think about it. I called them the next day and they said the same. Maybe I'll call them today too. At the very least I'll call them after AF posts, try again, then maybe downgrade.
  9. No go on Citi AA plat open about 1 yr. Offered to downgrade card. I'll call back another day.
  10. Called earlier on Aviator red that turns 1 year approximately Jan 15. No spend on this card at all except whatever signup bonus requirements (if any, I don't recall). AF waived and 5k bonus with $1k spend in 90 days. Took it.
  11. Yes! Got mine finally. I honestly didn't expect to see it.

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