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Everything posted by PotO

  1. Of course it is better. Since USAA has APRs almost as terrible as Chase's, when I make large deposits I almost immediately move the money from USAA to another financial institution or an investment company. I like being able to do it immediately instead of going back another day to conduct the transaction. Also, if you are making a very large deposit, it's unlikely Chase will even make the funds available the following day. You do know that Regulation CC does not apply to mobile deposits, right?
  2. You are lucky. Chase has never been known to offer most -- not even many -- people a $100,000 per day ceiling. As for instant availability, I just tried depositing a $3,000 check. Not instantly available.
  3. Hege, you know better than that. 🙄 You will never get instant availability on a $100,000 check with Chase. On the other hand, I do with USAA. Also, Chase isn't going to give you $100,000 per day. USAA does.
  4. USAA offers $100k per day and instant availability. You will never get that with Ally. I get instant availability on ACH pulls with USAA. You will never get that with Ally.
  5. They tried that stunt with me and they almost got away with it.
  6. From ample personal experience, they can pull from either EX or EQ. Most of the time it has been EX, though. They have a far better remote deposit capture (mobile check deposit) system than any other bank in the US. Their ACH transfer system is really good, too. And I do like their 24/7 telephone support with no hold times.
  7. Yeah, that strange. It can be used for purchases, but just not gift card reloads.
  8. Thank you! And 8's and 9's to you!! 8 = Health 9 = Wealth By the way, if you ever find a Chinese debit or credit card, odds are the PIN is one of the following: 1. 888888 2. 999999 3. 469694 Well, ok, maybe not so much the third one. 🤪
  9. The lovely #4. 😂 The pronunciation of 4 in two of the most common Chinese dialects sounds eerily similar to the word "die". But it's not as drastic as MP80 makes it sound. 4, 44, 444, 4444, 14, 24, 34, 54, 64, 74, 84, 94, 104 are to be avoided. Others such as 1234 or others are no big deal.
  10. You must have comprehension issues if you believe I am "cheering for China." I simply pointed out that one of the world's shiattiest governments did, in one isolated instance, finally do something correct. Civilized? In some ways uncivilized. In some ways not. I certainly find the fact that San Fran-style junkies aren't shooting up and crapping on the sidewalks here civilized. I get a kick out of the China-Virus-Neanderthals. Did COVID-19 originate in China? Of course. Did they make things worse in the beginning by incompetence and deceit? Definitely. But to use the term "China Virus" is hypocritical unless, of course, you want to call H1N1 the "American Virus". As for incompetence, there seems to be quite a bit going around these days. Shelter-in-place is in effect, yet Miami Beach is arsehole to belly button with Spring Break. Florida authorities already reported at least 15 cases developed from beach partying. The average is 2.6 people infected by just one, but that's obviously on the very low side by the looks of things now. We've gone from about 2 dozen cases (not counting those from the cruise ship) to over 35,000 in a matter of a few weeks. Really cute, eh? Sure, we really do need more Einsteins at the beaches. Or ski resorts. Or packed like sardines in some Wendy's. Or in community birthday parties in the parks. 🙄
  11. So obviously you are the one with a dismal IQ. I'm sorry it hurts when you think. There are positive and negative sides to almost every thing in life. While there are certainly disgusting aspects of the Chinese government, they did handle the COVID-19 issue quite effectively once they started getting their act together. In an area with a population approximately 10 times that of both LA and NYC put together, they walked away with about 3,000 deaths from over 80,000+ known infections within a 120-day period. On the other hand, the US is but 30-odd days into the heart of the matter and the CDC estimates we will see upwards of 50,000 dead bodies from COVID-19 within 180 days the way things are going now. And everybody thinks it's particularly cute how in spite of shelter-in-place restrictions Miami Beach is packed by people -- probably your twins. There's a reason I am wearing the uniform I do and then why you put your Girl Scout uniform on to make you feel like a man.
  12. Tracking devices do exist. A cell phone can be tracked. But you've been watching too much CSI if think tracking devices are used to track people in China for COVID-19 purposes. Obviously you know little about the reality there. They don't need high tech tracking devices. Some with a dismal IQ might call it a prison nation. Others might call it a total necessity. Look at NY, San Fran, LA, Las Vegas and an increasing number of other cities. Well, you ain't seen nothing yet. If NY hits 3,000 croaking from COVID-19, watch them call out the National Guard. Ooops, my bad ... they already did and they only have < 150 deaths. There's a reason out of only about 100,000 COVID-19 cases they only had about 3,500 deaths. Sometimes arseholes don't finish last.
  13. For the past couple of days, all new cases are what they call imports. Usually there are 20 - 40 new cases per day. Yesterday 41. No, there are no tracking devices. That's a myth. All people entering China are quarantined without exception. Chinese citizens that show no initial signs of COVID-19 are allowed to quarantine in their home, but their home is sealed and monitored 24/7 by what is termed the infamous "neighborhood committee". Anybody who attempts to break quarantine -- and there have been a few cases -- is imprisoned for 3 - 7 years. All non-Chinese citizens -- and this does include ethnic Chinese who have acquired overseas citizenship -- are quarantined in a specially designated facility, usually a hotel, at their own expense. Facilities are guarded. "Normal" restrictions aren't still in place in various different locations with "normal" depending on location. In Beijing, housing estates / housing communities are still restricted to property owners and legitimate tenants only. Nobody else without a residence card but the official postal service mailman may enter. Temperatures are checked upon entry. There are no exit restrictions. In areas surrounding Hubei Province to include some areas in Zhejiang Province (close to Shanghai), residents are restricted to their homes or, sometimes, communities and are only allowed to exit once every 3 or 4 days to shop for groceries. Only one resident per dwelling is allowed out. In Wuhan and parts of Hubei Province, life is still hell. While there are no new cases, people are still restricted to their homes. Depending on your housing estate, you "may" be permitted outside at certain times to pick up food items provided by the neighborhood committee, but only inside the estate. Masks are mandatory. If your housing estate is not lucky, you stay in your home 24/7 and the only way you exit is on a stretcher and / or in handcuffs. Food is brought to each apartment at designated times. Not that I'd consider any of that shiat edible, mind you. The big question is when will things return to normal. In Beijing, probably in another couple of months. Likely May at the very earliest. Most likely June. And even then it depends on how the whole COVID-19 circus develops. As for Hubei Province and some surrounding areas, maybe much longer.
  14. LA apparently has a math major that works for the county and realized they will never get 19 million test kits. They are not going to test anybody unless the results would actually influence the treatment the individual would require. So, basically, if you have slight fever and vomiting, they will perform a lung X-ray and if that's clear, send you home to self-quarantine for 2 weeks. Meanwhile, whiny little biatches across the nation continue their meltdowns because there aren't -- and never will be -- three test kits available for every individual in the country.
  15. I've never tried a Navy secured loan, but I'd imagine it works the same as a Navy unsecured loan, which does work. So does a USAA unsecured loan. I would find the loan with the lowest interest rate possible and the longest repayment terms available. You also need to ensure that whatever loan product you choose, payments above the required monthly installment carry over to future monthly payments. There are loans where an extra payment does not relieve you of the requirement of following set monthly payments. Also, don't let being a cheapskate ruin your plan. The first time I tried this was with a $30,000 USAA installment loan. I took the loan out for five years at 12% and it posted to my credit reports within a week. At that time I planned on paying the loan down to $500, but then realized that it would cost me $60 per year in interest. So I then decided to pay off everything but $100 and save $48. Makes sense, right? Well, think again. Next month I get a letter in the mail saying "We thank you for successfully paying off your USAA loan. Come back for another any time you want!" Going online to check this weird letter out, I see my loan was paid in full with a zero balance. The turds forgive balances of $100 or under. In the end, my credit score dropped. Worse was that the almost $100 I had already paid in interest got me virtually zilch. Don't listen to any tightwad spouse and leave a $200 or even $300 balance on the loan. If the approximately $3 in interest every month is going to kill you, you shouldn't be playing this game in the first place.
  16. I'd invest it. Buy surgical masks here for $0.50 each and sell them to suckers on eBay and Amazon for $49.99 each. 🤣 ** Seriously, just joking. I'd use the money to hire cheap hitmen to go after all the idiots price gouging.
  17. Yes, it worked. I paid off the loan and scores generally dropped. I opened up another one and scores increased from 810 to 840. A lot depends on which FICO Score you measure.
  18. Time will tell. Hopefully everything will go as hoped for, but color me not so optimistic.
  19. Yeah, it was garbage from day one. IIRC, rewards were in Sprint $ and even then only 1%, except for Sprint purchases. The people who even designed the complex have the IQ of a dyslexic gerbil. Then, they forced most people to apply at a Sprint store. It was underwritten by Bank of Missouri, another turd participant. The actual issuer and card manager was Home Credit LLC. They are from, IIRC, Yugoslavia or Czech Republic and this was there first attempt to enter the US market. Pure idiots. Their failure has done consumers a big favor. And then there's Sprint itself. Dead as we know it.
  20. Forget it. 1. Masks are only, in the best of cases, 25% effective -- at most. 2. We've already seen several cases where people break quarantine with disastrous results. 3. It's extremely difficult to "avoid groups" shopping, at work or in other environments. 4. It will take light years to get the billions of mask necessary for everybody to have them. They are virtually all made overseas. Most in China.
  21. Unlike Hege, I do not use HHI. My reported income is approximately 2.4 times my aggregate credit limit with BoA. I doubt having higher reportable income would help. My wife only uses her income when applying for CLIs with BoA and her income is over 8 times mine. She's been stuck at $99.9k with BoA forever. Every once in a while we request CLIs and get declined, but never any AA.
  22. The Sprint Credit Card has croaked. The Bank of Missouri and Home Credit LLC have suddenly and without notice closed all Sprint Credit Card accounts. Not that anybody should care. The card was a turd from the word go.

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