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About PotO

  • Birthday 01/01/2000

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    Not where I'd rather be.


  • Member Title
    Mr. Mean

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  1. PotO


    I would get Care Credit. They will help you pay your shrink. Your FICO Score is never going to help you get more credit cards. There are virtually zero credit card companies that use your FICO Score to decide whether or not to approve your application for revolving credit. They all decide whether or not to approve you using the raw data on your credit reports, the information you provide on the application and any other data they have in their internal files on you. Once an issuer has decided to approve your application, then your FICO Score comes into play. It is generally used to set certain terms on your account such as APR and, in certain rare instances, credit limit.
  2. That article is definitive proof that Canuckleheads are regarded ... beginning with the author of the article.
  3. PotO


    And what will you do with those 16 points?
  4. I'd say that consumers stand to lose the most. Look at Australia. They implemented a law that required extremely low swipe fees on credit card transactions after merchants swore that it would result in a price reduction. So what happened? Well, it seems that Australia has its share of congenital liars, too. Within weeks of the new law taking effect, prices rose across the board. I guarantee that will happen in the US, too. Look at how they lowered swipe fees on debit just recently. So, when you pay with a debit vs credit card, do you get a discount? Fook no! Visa and the other card associations better start getting wise and find a creative way to handle this issue. If they start with AFs or lowering rewards, watch consumers react negatively.
  5. Sad. Truly sad. We are breeding a nation of regards. From now on I will ask any doctor I see if he graduated from NYU. If so, I will not let him anywhere near me. Now, with this whole COVID-19 bull💩, I can see requiring classes on Zoom. What I don't see is grading on a curve. You get what you get. That's the whole idea beyond objective evaluations. Can you imagine someone graduating at the top of their class who, were it not for grading on a curve, would otherwise be a C monkey? Funny, now the whole University of California system grades on a curve. Guess I now need to see if any doctor I deal with is a UC graduate, too. This is how academia should operate: In Country X (got to be politically correct or the whiny little biatches will crawl out of the woodwork), there was one Marine whose unit CO was recommending he be set up for a UD (undesirable discharge). I met with the CO to find out WTF was going on and he told me an incredible story -- this Marine used his middle finger as his trigger finger. When asked why, the SNM stated, "it felt more natural to him." He was given every opportunity to see differently even showing him where his response time was over ten times slower than the worst in his unit. This would very likely cause a fatality -- either his or someone else's. He didn't care. So before signing off on the UD action, I had him report to me. I explained how his actions could prove fatal not himself and / or others, but he insisted his actions were reasonable and he "could not" change. I told him I approved his UD and he would be going home real soon and he got in my face and hollered, "Listen, man, I don't give a 💩 what you do. I am right and you are wrong." Well, a swift knee to the 🥚🥚 wiped the smirk off his face and changed his attitude. Several days later he was on guard duty with two others and they were attacked. The extra few seconds it took for him to position his middle finger and aim cost a life -- his. Good riddance! Yes, Virginia there IS a Santa Claus!!!! Fortunately the other two on his team eliminated the threat and were not injured in the process. In my opinion, the extermination of recalcitrant 💩 is never a bad thing. Quite the opposite, it's the best thing you can do to save the gene pool.
  6. My condolences, bro. While two of my BoA cards have a 33% cash limit, my $70k card has $51k.
  7. I don't see that being a factor. I wonder if they even have an EFTA or equivalent to protect consumers from bank fraud. In the US, it will be interesting to see how banks deal with RTP and fraud given the EFTA and various laws which can hold consumers with no liability for fraud.
  8. Some would say that it is CV, but it's impossible. First of all, he kissed a girl. Then, he's not wearing any pink flowers. Finally, he's about 75 pounds lighter.
  9. Only in NYC. Looks like the cows were running short of Twinkies and needed to rob to get money to buy more.
  10. Your goal should be to get it up to at least 12. Once there, work on frequent CLIs. Once you get up to over all limits totally $350k, then you can relax.
  11. $70k is perfectly fine. That shouldn't hold you back at all on obtaining higher credit limits. It is not uncommon to have at least a total of credit limits at 4 or 5 times income. My son is new to the credit game and already has accumulated over 3 times and his income is lower than yours. Yes, we all love to bash CUs, but most of it is just letting off steam. Honestly speaking, CUs can be pretty good. I'd take Navy / PenFed over any other card issuer if forced to make a choice. Well, maybe AmEx would be #1. Go for Alliant. I believe they will easily approve you. I have an Alliant card and, while not great, it is stable. They don't do weird crap like Stinkrony or other issuers.
  12. Very interesting info in that article. I like where they say that US banks hold sufficient reserves to cover losses. Well, Stinkrony better increase their by about $150k. Just sayin'.
  13. Are you combining your income with your husband's? My son is still in university and his legitimate annual income is around $50k. Not counting AU accounts, he has been approved so far for about $200k. Just yesterday Navy gave him $25k and last week Chase gave him $20k. Make a list of cards you are interested in and then of how many INQs you have on each CRA. Break the numbers into >1 year and < 1 year.
  14. Alliant will grow. They are pretty good about CLIs if you use the card. Only disadvantage is that they top out at around $25k or so.
  15. Those comments were primarily from our now defunct 💩 in the pink-flowered jacket and who steals stuff from neighbors. You can ignore them.
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