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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. There is no reason whatsoever to believe anything you tell your creditor will remain secret. I've tried to dumb this down for you as much as possible, but obviously you are a special case. Every month your creditor will report to the CRAs. One item they include is the address appearing on your monthly statement. This, boys and girls, is known as your billing address. It's been my experience over many years that when I update my mailing address only, that address does not appear on my credit reports EXCEPT if the creditor does not allow for separate mailing and billing addresses. Still, there are NO guarantees. There could be a hundred different reasons we don't know about why they might decide to update everything with the CRAs. And you might not even know about it. The credit reports I get directly from the CRAs in the mail contain far more data that those you get online, especially from services such as Credit Karma.
  2. When your creditor reports your history monthly to the credit bureaus, they use the address on your statement. When you apply for credit, they use your residential address when placing the inquiry on your credit file. Get your credit reports directly from the bureau to see exactly what they have on you.
  3. Both will ultimately get reported. When you apply you usually use your residential address and that gets picked up by the CRAs. They they pick up the address that appears on your statement each month.
  4. If you pre-pay on their website or over the phone it might work. It clearly didn't work with a counter payment at Avis.
  5. To the Neanderthals that use Apple Pay when traveling: Lots of luck with that £30 hard limit on transactions in the UK. Assuming, of course, that nobody steals your phone. There are transaction limits in the US, too. Then there is the signature requirement if over $50 at most merchants. Oh, but it is sooooooooo secure. 😂
  6. If they have to have a list telling you where you can use it, it's already a loser.
  7. I was at Avis yesterday picking up a car and the guy ahead of me was trying to use Apple Pay. They chuckled and told him to go pound sand. The guy said, "I have a reservation. I need a car. What can we do?" The clerk replied, "Uber." 😂
  8. They don't care about your mailing address. You have to provide personal guaranty. They only care about your residential address.
  9. I hope you are better at fighting off Klingons than predicting the future. Apple has been spouting that drivel for years now and so far they have failed to deliver. The only way that fantasy will come true is if China invades, conquers and occupies the US and gives us WeChat or AliPay.
  10. Jethro, does it hurt when you think? First, honesty is the best policy. Stop lying. Merchants are contractually required to process any payment manually if there is a problem with their system or with an otherwise apparently legitimate card. They are required to take a manual imprint and call for a verbal authorization. It's in the 800+ page Visa Rules. Can you actually read? Then an there is your moronic claim that typically people have their phone in hand at all times. Perhaps, Jethro, on your planet, but here on Earth people with an IQ north of 10 actually have a life. We aren't like you marching around 24/7 trying to get laid via an online app and our eyes glued to the screen. Maybe where you shop at the Dollar Store everybody pays with their phone, but in real supermarkets the overwhelming majority use real plastic or cash. Fire up those two brain cells and try to imagine why Albertson's still bitches about the investment they made to accept Apple Pay, but nobody uses it to pay. Then there is Apple themselves who have acknowledged that Apple Pay isn't the hit they imagined it would be. So now they come out with a pretty sh!tty rewards card to try and bolster up Apple Pay. Of course, to deflect from the dismal rewards, they tout "Security, Security, Security!" and morons like you buy it. Try beaming down to Earth once in a while. We have had security for ages. It's called Zero Liability. You'll learn about it when you hit fourth grade.
  11. Has AmEx changed. Lately the SOBs haven’t waived my $1 balances.
  12. For corporate card accounts, AmEx requires the corporation have a minimum of $1m (or is it $3m?) in revenue. I seriously doubt your personal guaranty is worth $1m. Even if it were, who in their right mind would PG a large corporation even if they could? Legally and logistically it would be absurd.
  13. Ok, a lot of things in your situation are above my head, but there is one thing I noticed. When you pay the collection agencies, do you negotiate a pay-for-delete?
  14. True. I was once a high-class credit whore. Now, thanks to my good buddy and mentor, H$, I've descended into a street-walking, $50-trick credit whore. Hell, I just app'd the KC Zoo card for the 3% Happy Meal cashback.
  15. It depends on the bank. Like with biz credit cards, some will never approve without personal guaranty. Could be a bit like AmEx, too. They have biz cards and then corporate cards. Probably their corporate cards have no personal guaranty.

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