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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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About PotO

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    Mr. Mean

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    Not where I'd rather be.
  1. PotO

    (Article) Social Credit in China

    Most of the article is b.s. What is true is that they are incorporating Court civil and criminal judgments in the credit reporting system. If you have an outstanding unpaid judgment or fine, you are not permitted to purchase airline tickets or exit the country. The credit reporting system is owned by the government and only includes tradelines involving banks. They are looking to open that up and include commercial credit and utility payment data. Every once in in a while there is a credit reporting system set up by private enterprise. They are all garbage and useless.
  2. If your bank isn't sending a physical check, odds are it's ACH. It would be rare if it were a wire. Think about it ... why would your bank spend $15 or so just so you can get the money a day or even just a few hours faster? Do you really think they believe you worth it?? One way to tell is by how long it takes for the item to hit your target bank once shared to your account. Usually it takes a day or two, that's ACH. I've done quite a few BTs to USAA and absolutely none were wire transfers. USAA codes all money received via wire as "Wire - In". None have been coded that way. Also, USAA receives wires in realtime, but must manually post the money to the corresponding account. They do this on working days only and at about 7:00 am. All my credits have posted after the midnight update and that signifies ACH.
  3. Looking at it objectively, it's the same scam as when they tried the "Our card works all over China" lie.
  4. I don't know. I applied because I was bored as hell and because Hegemony applied. I had heard they always decline people who don't have an existing relationship with them, so I wasn't surprised by the initial decline. A week later I got a letter in the mail asking to verify ID, and then after that they approved. Every six months they double my limit with a soft pull. There has to be some reason why they do what they do. Maybe they dislike your haircut. Maybe they like my mouthwash. Hard to say. What reasons did they give you each time? I'd still hold out and keep the cards. You never know when they might come in handy and since there's no annual fee you can afford to be patient.
  5. Oh, I almost forgot about FNBO ... The Hege tally stands at FNBO, ICBC, Wells Fargo and, if I remember correctly, the new AmEx Cash Maggot Card. By copykatting you, I've earned at least $1,000. Awaiting further instructions, Sir! Please, though, don't make me app the new Sprint card. I owe you and the Mrs. a dinner next month.
  6. I have WF because Hege recommended it. So, if Hege is gr8, then WF must be gr8, too. Besides, it's an easy nearly double-your-limit CLI every six months. From $5k to $40k in 16 months is better than Disco. Plus a $200 SUB.
  7. Hope you get it soon. I waited a decade almost.
  8. I wish someone could figure out how the hell Discover thinks. Years and years of $500 and then ... bang! ... $5k. Their system which decides CLI must be on meth.
  9. Nice! I wonder if there will be another cycle of forever $500 CLIs after this.
  10. ^^ This is what happens when your mom lets you play with dolls. You loose all sense of realistic probabilities. Sewer
  11. If these free freezes are anything like the current free freezes, they will suck server water. The current free freezes offered by EQ require an up to 24 hours to take effect. If I want my file unfrozen, I want it unfrozen now.
  12. I went for my semi-annual $500 CLI last month and got zilch. Now, a month later, tried again just because I was bored and they gave me $5,000. Still not terribly good, but I'm starting to like Discover ... for now.
  13. Those are probably amongst the few who really do decline for inquiries. 9 times out of 10, though, when a lender says you are declined for inquiries it is b.s. We have seen people here on CB apply for Barclays and get shot down because they have 1/2 a dozen inquiries. On the other hand, I have virtually never had less than a dozen fresh inquiries and when I apply for Barclays they give me whatever I ask for. My wife applied for a FNBO card and they shot her down because she had 3 inquiries within the past year. I also applied and they spread wide for me, yet I have 6 within the past 6 months. Had the same happen with Wells Fargo. Sometimes there are just too many moving parts to this whole scam and lenders themselves don't know WTF they really decline you for.
  14. Who were the creditors that declined you over inquiries?

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