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About PotO

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    Mr. Mean

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    Not where I'd rather be.

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  1. That's because you are a high-class pimp. Me, not so much. 😂
  2. Hege has been pushing me to apply for an HSBC credit card for the longest time. I got a pre-approval a couple of weeks ago and applying online never seemed to work. I kept getting error messages. Still, the only way to get Hege off my back was to actually apply and, hopefully, get shot down. So I did. But I didn't get shot down. Instant approval. 😟 😀 🙁 Limit sucks at only $10k, but let's see how high it can be pushed. At least there's a SUB. Strange thing is that I almost never get instant approvals. It's always the same old crap with an instant wait-and-see followed by recon and / or approval after a day or two. Is HSBC trying to make up for the fact that they sold me to Crap1 many years ago?
  3. Interesting dilema. I'd be curious to see how it plays out. Wish I could offer more.
  4. #1. WTF is Wamego? #2. WTF would live there? #3. WTF would even live in Kansas? I was stationed in Kansas and I'd never return. It's almost as bad as Central fooking Texass.
  5. I was looking for it, too. It disappeared. Figures for Crap1. Probably also Discovery. How about a new 2fer logo ... "Discover Crap" ??
  6. PotO

    Early Warning

    You didn't answer the question. How exactly does a credit card company use EWS when you apply for their credit card?  Which banks have told you that opening a savings account or a checking account (w/o OD facility) is an extension of credit? I think there is a better chance of bringing EWS to the table when we can show that EWS is involved when you apply for a credit card or loan.
  7. If they could, they probably would. I personally know the CEO of PenFed and he certainly isn't the sharpest tool in the shed.
  8. What kind of Neanderthal thinks ... pulling kids out of school; selling their house / buying a new house; spouse quitting their job / finding a comparable new one; going from a 0% to 6%+ tax on every $1 you spend; and moving to the Shitty State of Texass, which has obviously r ... Ooops, can't say that word ... lawyers ... is a nuisance? Does it hurt when you think, Jethrine?
  9. At least they ain't stealing xxxxx from their neighbors. 😉
  10. It depends. If you have been maxed and making minimal payments, they might not have even had a chance to balance chase you, even though they wanted to. A large payment may just give them that opportunity. It's hard to say. But even if they do balance chase you, it's a small price to pay for all the money you will save on interest.
  11. Totally freaking incredible. Is that how banks operate in Kangaroo Land?
  12. If Chase will give you an auto CLI, they'll also give you a new card. 😉 No time to rest on your laurels. Up and at 'em to the next goal post!! BTW, great job!! 👍
  13. I smell b.s. Nice car, buying a house ... that's called struggling??? $200 in Uber charges that maxed out her credit card???? $200 in Uber charges caused her credit reports to crash??? Yup, a new Instagram star is born.
  14. PotO

    Early Warning

    Ok, let's forget about deposit accounts for now and focus on credit ... pure credit. EWS will claim there is no "credit" involved when opening a savings account or a checking w/o OD facility. How exactly does a credit card company use EWS when you apply for their credit card? With LN it's easy to show their involvement in the credit process with the "Four Stupid Questions" they often provide for ID verification when you apply. And that's probably where LN was forced (volunteered??) to provide a freeze function. How exactly does a credit card company use EWS when you apply for their credit card?
  15. PotO

    Early Warning

    That's logical, I suppose. But what if I always decline OD protection?

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