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Hit Man <3 ♡
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Kat58 reacted to a post in a topic: OMG Do I Hate Discover
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TheVig reacted to a post in a topic: OMG Do I Hate Discover
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hdporter reacted to a post in a topic: OMG Do I Hate Discover
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I'd take 3 inquiries to save 2 bps on a loan. Thats what they're for.
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TheVig reacted to a post in a topic: Words, Phrases and Other Stuff that Annoys Me
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Words, Phrases and Other Stuff that Annoys Me
cv91915 replied to cv91915's topic in General Discussion
"go to" is not a noun Neither is "ask" -
cv91915 reacted to a post in a topic: OMG Do I Hate Discover
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ShawnPY1972 reacted to a post in a topic: 0.99% 48-Month Auto Loan - New or Used - With Relationship - USSFCU
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If this happens I can do the 5% purchase / 1% return exploit 3x per quarter. 👍
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cv91915 reacted to a post in a topic: OMG Do I Hate Discover
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For one year I had the Capital One card that offers access to that lounge, and I connect at DFW at least 10x a year. There was never NOT a wait list. I have the same experience with Centurion Lounges. I was at DFW for almost 4 hours this week and there was a line to get in when I arrived, and there was a still a line when I left. "Lounge access" isn't a benefit when it only exists in theory.
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I stopped applying for new cards for a while because I got tired of all the rejection. My FICO 8s haven't been south of 840 for as long as I can remember, and our only actual debt is one car lease.
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0.99% 48-Month Auto Loan - New or Used - With Relationship - USSFCU
cv91915 replied to cv91915's topic in Credit Forum
Still no response to my secure message, and no promised appointment with the branch manager. She must be swamped. Since my last post on this, my friend has started and finished a Masters program at USC, and completely unrelated, is now strongly considering joining a religious order in Indiana. I'm not making this up. -
I still routinely use ~15 cards a month, and there's another 10 or 15 sitting there doing nothing.
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Does anyone know if this is still a thing?** Register for the quarter's 5% categories Spend $1,500 on only those types of purchases Stop using the card See the $75 in rewards post Return everything for a refund Watch them claw back only 1% Make $60 profit ** This is harder to do with many of their more worthless categories, like Movie Theaters and Angioplasty
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US Bank has its quirks, Citi makes you hunt for some things, and of course Chase drew its web design inspiration from PowerPoint slide transitions, but Discovery is the undisputed Account Servicing Dissatisfaction Champion -- twenty seven years and counting.
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Main point was that the account summary was all jacked up. The purpose of my visit to the web site was to pay my bill, but it wasn't clear how to determine the correct amount to do that.
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cv91915 reacted to a post in a topic: How AI & Machine Learning Can Fix the Broken Credit Scoring System
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cv91915 reacted to a post in a topic: OMG Do I Hate Discover
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I'm using Discovery this quarter, mainly for 5% back on groceries. Some of the same stores that code as Grocery on V/MC code as Merchandise on Discovery. Fine, I'll be sure to use a different card at those places. I just went to pay my bill. Statement closed yesterday, 4/20. 🪴 3/20 statement balance was $0. Is my 4/20 statement balance: $463.76 or $243.05 ? To solve that riddle, let's download the transactions and look at them in Excel. This has been happening for as long as I can remember, so I know it's fine to ignore the warning and open the file anyway. Downloaded transactions from the 4/20 statement:
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cv91915 reacted to a post in a topic: Capital One CreditWise Moves To TU FICO 8
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cv91915 reacted to a post in a topic: My Credit Union is So Amateur...
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Telhio (LOL) Credit Union's marketing materials are all ctrl-C ctrl-V from CUNA templates. Also, while they were busy putting people over profit their ATM vendor went bankrupt, so you'll have to go to a 7-11 to get cash from an ATM until they figure something out.
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cv91915 reacted to a post in a topic: 2025 Approvals and CLIs thread
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cv91915 reacted to a post in a topic: 2025 Approvals and CLIs thread
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cv91915 reacted to a post in a topic: I just gave B of A the Heave-Ho.
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817 (+13) Again... one miserable point away from maxing this one out.
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cv91915 reacted to a post in a topic: Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Other Stuff 2025 Edition
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Mortgage payment history being reported incorrectly. How to fix?
cv91915 replied to Chriscat's topic in Credit Forum
Your late payment would have incurred a late charge. For discussion purposes let's say that's $50. And let's say that your mortgage payment is $1,000. You would have had to pay (2 x $1,000) + $50 in order to get caught up. If you only paid 2 x $1,000, your mortgage would still be delinquent.