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Everything posted by PotO

  1. Wells Fargo just allowed me to move entire limit from their AmEx to Visa.
  2. Ok. Now it's clear. Everybody would have their definition of super premium. I'm not likely alone thinking super premium has above average rewards (which usually requires an AF) and / or some type of "status". It is kind of funny to think that a high-limit CapOne (God bless Mr. Juggs!) could be considered super premium.
  3. You'd win. From a discussion on another thread, arbitration screws them more than it does you.
  4. So, in other words, you are confused and can't answer the question. It's ok.
  5. Not sure how we can agree to disagree until you paint me a precise picture of specific super premium card. I have $50k+ cards from Chase, CapOne (thank you, Mr. Juggs!), Chase, Citi and a few lesser known entities. None of them do I deem super premium. None of them have an AF. I would think the Chase Sapphire Reserve to be super premium. Or an AmEx Platinum. Can you tell me some specific cards you find super premium?
  6. My definition of super premium would mean a card that has an annual fee. I'm allergic to those. Only Hege can afford them. I only have two AF cards. One is an AmEx Gold and the AF is barely justifiable. I only keep it because it has been reporting for 40 years. Then there is an AmEx Delta with a barely justifiable AF that got backdated. Just for the 40-year history I'll keep it. I have 7 cards in my wallet. 2 are Chinese dual currency cards for catastrophic emergencies, 1 is my CapOne prybar (thank you, Mr. Juggs), 1 AmEx card, 1 Citi DC, Barclay Uber and a card in rotation from the inactive file. Nothing at all super premium. Hege is the high-class CW. I'm the two-bit CW.
  7. We do. And while we control how they dress, cut their hair, how they work, where and when they work, where they live and literally hundreds of other little details of their existence, we haven't quite figured out how to babysit them enough to the degree where we can control where they buy their groceries or their cars. We we also haven't found a way to force "decent" creditors to extend credit on good terms to someone who earns a take home of around a whopping $1,500 a month max and whose only experience with personal finance prior to enlistment was controlling the $5 their parents gave them each day for their school lunch and the occasional pair of Air Jordans. Few, if any, even have a credit score and those that do likely only have one tradeline from AAFES / NAVEX. So tell me on your planet who the fook will extend them credit on a new car they can actually afford at 6%? A new car that, by the way, is virtually un-repossessable on default. And where wage garnishment or bank account attachment is impossible. In the price for risk game, most of these folks are riskier than Joseph. Personnel are warned about these car dealers and told where the decent ones are, but their options are limited. And they need a car. Without a car, their entire life is a room about 1/3 the size of a two-car garage shared with one other. Public transportation into town is a farce, even if they are lucky enough to have it to begin with. Walking is an option ... if you are into a 24-hour hike round trip. So they end up at Crappy Charlie's Used Cars and end up with a car, gas, maintenance and insurance at around $700 per month. If you are single, it may be manageable. If married, you'd have to be a flaming moron to think it is. Yeah, but everything is just fine. Until you have car repairs. Or a deployment. Or a baby. Or a sick family member (parents). Death in the family. Decide to actually live your life and take annual leave. So simply telling a person not to buy at certain places -- the only places that will actually touch them with the shitty end of a stick -- is stupid and shows you don't know WTF you are talking about. And if you are baffled by it, brain damaged to boot. There are two solutions: 1. Tell God & Elon Musk to invent free personal tele-transporters; 2. Pay people who do your dirty work more than your average Starbucks coffee jockey; or 3. Just STFU and stick to something you have a reasonable chance of success at ... such as precisely pouring milk over a bowl of cold cereal. Pick one.
  8. They should get back more. They are paying for our rewards with their 26% APR. God bless crapflakes!
  9. It's only a matter of time. Personally, I do not think that getting 2% cash back plus all the normal purchase protections, Citi Price Rewind ... Zero Liability ... etc ... is sustainable against a 2.7% swipe fee.
  10. Sooner or later it's going to come to retina scans. Or fingerprints. And even then some will screw screw it up.
  11. AmEx required $1,500 left on donor Delta Gold biz card.
  12. The only thing tough in Manila would be getting through traffic. Or the pineapples.
  13. In all fairness, the Credit One NASCAR Card has to be better than the ex-Nationwide now Merrick card. Talk about turds -- a $30k Merrick card with zero rewards and virtually none of the usual Visa benefits like lost luggage or car rental insurance. Fook Merrick and the horse they rode in on.
  14. I wonder what their approval stats are like? Hege??? I would rather rely on Tophie than Credit Karma's approval odds. Those d-bags always tell me I have excellent odds for approval on an AmEx Cash Magnet. A card I already have.
  15. I wish it were at a single bank, but it's across 20 different throughout China. But I suppose I am an International CW. First US and then China.
  16. Yeah, 30 issued directly by banks in China. These are almost all dual branded UnionPay & Visa / MasterCard / American Express / JCB. Almost each one was an adventure. While there are probably a few Chinese that have as many, if not more, amongst expats there isn't a single one that even comes remotely close. 1 UnionPay issued by a Chinese bank in the US.
  17. I chopped one up. Did a combo. Will keep the second for the novelty factor.
  18. PotO


    The good accounts probably were old. They typically fall off around ten years after closure. Hege's suggestion is good. A secured card or two will start you don the right path to establishing good credit. Of course, if you have a family member or trusted friend (all of whom manage their finances well), becoming an authorized user is also great. Just take it slow. There's no need to rush, although we all know it is easier said than done. After you have let the secured cards marinate for a year or so, try obtaining credit where you had successful accounts previously. Although not on your credit report, individual creditors have very good memories.
  19. I would be exceptionally surprised if anybody above the age of 21 didn't have at least 10 UnionPay cards in China. 1. One debit card from bank closest to your home; 2. Debit card from bank where your company deposits your salary; 3. At least one -- if not more -- debit cards from accounts at other banks; 4. UnionPay card for your mortgage account; 5. UnionPay card for your driver license; 6. UnionPay card for your medical social insurance benefits; 7. UnionPay card connected to your mandatory housing fund through your employer; 8. Two or three credit cards (in my case, 30); 9. UnionPay card for your property mandatory maintenance account; ... and others. If anything, 6 billion is a conservative number.
  20. Could be. Time will tell. By the way, I'm on a Death & Destruction spree. Last night I cancelled 7 cards and have 3 more on my hit list. Some were from shitty banks I never should have let you talk me into applying for, and others were banks that were just simply difficult to deal with. The newly deceased include: Home Credit USA Wells Fargo OCCU (the infamous Duck and Beaver turds) American Express American Express OPEN Bank of America JC Penney ICBC USA I'm now down to $1.75m. And I have about 5 more I'm waiting for a bad-hair day to fire.
  21. Hopefully they turn it into a decent (as far as any Comenity account can be termed "decent") product par with, say, Total Rewards Visa.
  22. Yes, you can call them and they will change per your instructions. B of A is pretty good about that.
  23. I'm totally onboard if they change it to "National STFU Unless You Have Passed Third Grade Math and Can Control Your Spending Habits Better Than You Can Your Bowel Movements Challenge."

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