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nemo

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  1. Get your stinking paws off me, you damn dirty ape!
  2. Cool, so if I mention it enough times, it gets to evil genius territory.
  3. Cash cash cash cash cash. What is that, down to -135? I once looked into the Discover cash-back debit card as well, but at least at the time I checked, it was limited to signature transactions, which some places don't allow for debit cards (if they accept Discover debit at all). I don't see cash-back debit ever becoming real. The cash-only hotel situation extended well into this century at some small hotels, in my experience in some out-of-the-way places in Europe where I had business travel. There have also been places that did accept cards, but had trouble connecting to the card network when I was checking in, and asked me to pay cash. That has happened often enough that I wonder if it is sometimes on purpose.
  4. I didn't mention debit cards because I wouldn't see a reason to use those either, unless they started paying rewards when credit cards stopped, which is unlikely. Absent other incentives, there is just something satisfyingly honest about using cash. Even travel isn't immune to that. It used to be necessary to pay with cash anyway, as there were many countries where the hotels would not take credit cards. I suppose if interest rates keep rising, though, the float may become a reason to use credit cards if the rewards disappear.
  5. Chase also tried to cut my total credit limit in half, around the same time that they were cutting cash advance limit percentages because of their post-federal-unemployment-bonus panic (mid-late 2020). However, when I called in to tell them I didn't want my limit cut, they stopped the CLD without even questioning me.
  6. Chase was one of the issuers that panicked when the federal unemployment bonus was cut. In October, 2020, Chase cut my cash advance limit from 20% to 5% of my total credit limit. I got another Chase card in July, 2021, and apparently the panic was over by then because that card has a 20% cash advance limit, a ratio that has even survived an auto-CLI. Not that any of this matters to me. I haven't used a cash advance in many years, and won't ever again. It's just interesting to keep track of a bank's mentality by watching the limit.
  7. I only use credit cards for two reasons: to keep my scores up so I won't pay higher insurance rates than I should, and to get rewards. The pandemic taught me that I don't need much spend to keep my scores up. I've already canceled all my cards that had an AF. If the rewards disappear, I'll keep the minimum number of cards to benefit my scores, and go mostly back to cash. The period when I was using all cash taught me a mental discipline that will benefit me the rest of my life. Although I don't need to learn that lesson again, I won't miss cards if their value disappears.
  8. It seems OP may have been hit by part of a wave of fraud against Ally debit card holders. https://arstechnica.com/information-technology/2022/08/wave-of-debit-card-fraud-hits-ally-bank-customers-hacked-vendors/
  9. You lost me at Credit Karma, and I didn't come back until just now when I forgot that that's how this thread started out. Now that FICO has been mentioned, there is something to talk about. There are almost always differences in the three reports. Sometimes you have to look at them with a microscope, sometimes not. The score game is opaque; that isn't the same thing as being rigged. Clearly scores don't perfectly reflect risk. For example, if they did, the $2 trick would not exist. If you just keep doing the right thing, eventually the 10-year moving average of your scores will track in the right direction. Worrying about anything less is an ulcer with no purpose.
  10. Agreed. Here is an example, which mentions some recent phishing incidents in addition to the reporter's own. https://arstechnica.com/information-technology/2022/08/im-a-security-reporter-and-got-fooled-by-a-blatant-phish/ Hackers tend to have all kinds of information one wouldn't think they would have.
  11. All my venting about Capone has been because they did not grow with me, but they were pretty great with helping me rebuild, and having them helped me get other credit lines, rather than hurting.
  12. They waited a while between announcing this card and rolling it out. It now shows up on Wells Fargo's web site. https://creditcards.wellsfargo.com/autograph-visa-credit-card/
  13. This is almost exactly what I do. My rule for restaurants is that if I sit down and the server comes to my table to take my order, or if the restaurant delivers food to my home, then I tip, otherwise I don't. Since the beginning of the pandemic, I've only ordered carry-out, so I haven't tipped. Cash is handy for that situation.
  14. I wouldn't make that generalization. My case happened to be with Wells Fargo (before the scandal).
  15. I have to second that. Years ago when I tried to get a credit card with a particular bank, all their defenses were up when I went online. When I walked into a branch, they bent over backwards to help me. It ended up being my best rebuilding card and prybar.
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