cv91915

Did you call each of the credit card companies and ask what options they offer? I noticed when I logged into Bank of America this morning that you can get the deferral processed started online. Don't just not pay. Reach out.

Enjoy the extra MRs!

Grade D Notes on the LendingClub Note Platform We hope this email finds you and your loved ones safe and healthy. As we've been sharing in recent weeks, we continue to closely monitor the impact of COVID-19 on our investors' portfolios and are taking actions with investor returns in mind. One update we'd like to bring to your attention is that in light of the current environment, grade D Notes will no longer be available on the platform as of Friday, April 10, 2020. Why are you making this change? Given the current environment, we have been focusing on borrowers with higher credit quality, which has resulted in less grade C and D loan issuance. Do I need to do anything? If you currently allocate to grade D Notes, including through automated investing, consider adjusting your allocation to align with your investment objectives. Replacing the allocation to grade D Notes will help you avoid cash drag on your portfolio, which is the potential negative impact of holding cash in your account, since you do not earn interest on cash in your LendingClub account. As always, thank you for your business. We will continue to keep you informed as we navigate this rapidly changing environment. If you have any questions, please reach out to us at the phone number or email address below. Sincerely, The LendingClub Team

Whatever credit lines you have need to be able to comfortably absorb your peak spending, not just an average month. For us, beyond routine household spending, we put a lot of work expenses on personal cards, I do all of my parents' online shopping for them, and I still go on an occasional M$ bender. And there are one-time expenses that pop up throughout the year. So for us, we don't assess our credit needs just by looking at our average month of dry cleaning, Thorazine and Taco Bell.

If you post a category or two that interest you, you should get some good suggestions. This thread shows how I'm dividing my spending, driven mainly by which categories yield the best rewards and benefits. Not exactly what you asked for, but a starting point for more research. The Bank of America references require Platinum Honors relationship in order to get the 75% relationship bonuses that are included in what I've posted. Required balances to meet the bonus thresholds include most types of Merrill investment accounts. No one with two adjacent functioning brain cells keeps $100,000 in a B of A savings account at 0.00000000001%. https://www.bankofamerica.com/preferred-rewards/increasing-preferred-rewards-with-credit-cards/

Birthday party is canceled. Chicago trip is off.

Which is fine, but your own reference said it was focused on getting a ton of cards, and your comments ended there. I wasn't going to spend the morning pawing through old Reddit posts to figure out what you meant.

I may still head back to San Diego next week. I'm going crazy and I've only been here since 3/30.

The iBuyer market has all but shut down. This is a more significant factor in some markets than others. I still have a place in Mission Beach on my shopping list. My saved searches on Redfin have been delivering a lot more "Price Reduced" and "Back on Market" emails than I can ever remember receiving. On the other hand, I'm also still seeing things selling above asking price, especially properties with ocean or bay views. Condos in apartment-style buildings with partial/majorly obstructed ocean views are still listing for > $1,000/SF.

What are the chances that Chicago will be cootie-free by April 30?

Perhaps after putting a dent in the 6-12 months of expenses that have been deposited into an emergency savings account.

But look at the previous stats. If this is accurate, it's even more alarming. 😲 Only 69% of tenants paid any of their rent between April 1 and 5, compared with 81% in the first week of March and 82% in April 2019, the data show.

OP wants one more card, and based on the info presented may have already opened up three dubious trade lines, potentially killing AAOA with little long-term benefit.

Not sure if this counts, but here goes. A college friend's wife created a Facebook group and asked about 150 of his friends to send him a card as a surprise for his upcoming birthday. I sent one of these.