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About PotO

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    Mr. Mean
  • Birthday 01/01/2000

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    Not where I'd rather be.

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  1. Why would anybody wait until right before cutoff time? That's a recipe for disaster, especially with the $2 trick. With CapOne there are two ways to pay right from the CapOne eBanking platform. One is to make a payment from your credit card page. As you stated, however, it will not let you make a payment unless you have a posted balance. The second way s to go to your bank account page and click "Pay Bills". This takes you to the BillPay function and you can pay whatever you want on your CapOne credit card. It may take a couple of business days to post. Sent from my iPad using Tapa
  2. If CV is his neighbor, the odds are extremely high the package was taken by a porch pirate and is currently sitting on CV's kitchen table. Sent from my iPad using Tapatalk
  3. Good to know! It would be nice if there were a Master List of credit bureaus and quasi credit bureaus and how to freeze them. Sent from my iPad using Tapatalk
  4. I have well over $100k and they have never asked for any documentation. They used to ask for tax returns when asking for a CLI after I hit $100k, but then I'd just apply for a new card and it would be approved without documentation. I cannot apply for any new AmEx credit card now as I am at their 5-card limit. Sent from my iPad using Tapatalk
  5. Wow!!!!! Twenty years is a heck of a long time. I'm not sure where I heard people saying they were on the shyte list for only ten years. Have you tried becoming an AU? There has to be a way to get back in other than giving them $$. Have you tried an e-mail to Mr. Squeri? Sent from my iPad using Tapatalk
  6. I totally agree. Even just $5,000 a year for AF is totally fooking insane. Hell, I struggle to find value in the Gold Card at $250. And I refrain from the Platinum because it's $700. $5,000???? Fook that! Sent from my iPad using Tapatalk
  7. You could have made a BillPay to hit your account before statement date. There is always a way to get one card only to report a $2 balance. You can pre-pay your accounts. You can have one card make a $2 purchase several days before statement date. By statement date I mean the date that your statement is issued. I think closing day is the same. Sent from my iPad using Tapatalk
  8. Can you freeze EWS, CoreLogic and SageStream? Sent from my iPad using Tapatalk
  9. I believe, IIRC, it was a Bank of America card. At least with AmEx you don't burn an INQ and they are upfront on where they stand. I did hear that after about ten years they may forget. I clearly remember the underwriter from Bank of America that caused me to go postal. Speaking with her very nicely and asking her for recommendations on what I could do to see better results if I tried again in the future, she muttered under her breath "50 fooking thousand" and then stated "You need to lower your expectations with Bank of America." Sent from my iPad using Tapatalk
  10. I have about $125k with Bank of America, not counting a biz card. Perhaps I am grandfathered in to a higher amount? Same with USAA. Sent from my iPad using Tapatalk
  11. True, but we all know that AmEx takes things to an extreme and rarely forgives. Navy, USAA and PenFed are the same. I do know that Chase and Bank of America can still hold a grudge in some circumstances. About 35 years ago I had my account at Chase and at Bank of America hijacked by my cousin, the lawyer. Without my knowledge he opened two cards in my name and then left a bill over $100,000 between the two. Nobody ever called me and the only way I found out is because I just happened to get the fluke idea to check my credit reports and saw the extraordinary damage. I immediately notifi
  12. Capital One might actually report a few days after statement date, but they certainly do report the balance as of the statement date when they do report. I'm not sure what you are trying to do, but you are going to make a mess of everything. Just pay everything off on every card you own except one a couple of days before the statement date. One the one remaining card, pay everything off except $2 or $3 before statement date and then stop using the card for a few days until you can see the new statement. You are making this much more complicated than it needs to be. Sent from my iPad us
  13. I also have PenFed checking. I only applied for that because it raises my cash back scheme on the PenFed Visa from 1.5% to 2%. And the PenFed Visa has quickly become one of my favorites. Sent from my iPad using Tapatalk
  14. It's unfortunate when they do that, but we have come to learn that it is how the game is played. Chase and Bank of America also are known to do the same. Still, they are better than AmEx, USAA or Navy Federal in at least they let you get a foot back in the door. Sent from my iPad using Tapatalk
  15. It's a separate network and not a courtesy transfer. The Clearing House has established a Real Time Payments system: "The RTP network, the real-time payments system from The Clearing House, is the first new core payments infrastructure in the U.S. in more than 40 years, is currently accessible to financial institutions that hold 70% of U.S. demand deposit accounts (DDAs), and the network currently reaches 56% of U.S. DDAs. The RTP network is open to all federally insured U.S. depository institutions." Sent from my iPad using Tapatalk
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