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policebox

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  • Location
    Nevada
  • Interests
    Mathematics, Psychology

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  1. Here is an ongoing list of charges that have been confirmed to receive 4% cashback (Savor) or 3% cashback (SavorOne): Cox Communication (COX LAS VEGAS COMM SV, 800-234-3993 NV 89106 USA); Category: Phone/Cable (Source: policebox, 05.26.2021) Dish Network (Source: myFICO forum, 05.21.2021) Disney+ (Source: Capital One email, 05.18.2021) Hulu (Source: Capital One email, 05.18.2021) Netflix (Source: Capital One email, 05.18.2021) Spotify (Source: policebox, 05.31.2021) Verizon FiOS (Source: myFICO forum, 05.20.2021) And also as importantly, her
  2. I've heard Cracker Barrel sells a sundry of merchants' gift cards and the rumor is that it's a restaurant. Also, here's a link to PayPal to see a list of some of the stores that accept it as payment. I did well this this category a couple years ago when I had to book a bunch of flights through Southwest Airlines and they let you pay with PayPal.
  3. Score: 816 (unchanged from previous month) Factors affecting FICO score: (1) Time since most recent account opening is too short. (2) Too many accounts with balances. Score states it was pulled: 06/25/2021. I'm going to utilize a Credit Karma Equifax report pulled 06/23/2021 for this discussion. Point (1) I can accept/understand, since my most-recent account is a mortgage that is 1 year, 4 months old. However, point (2) is the one that I cannot accept/don't understand. l don't know if this particular FICO model has a "memory" and will ding you if you've had a few r
  4. I asked Reddit this question, but rather than answers I only got argued with. Let's assume the following scenario: * I am in my 40s and achieved financial independence and early retirement. * I have $1M+ in stock, $3M in joint real estate, and 6 figures in cash accounts. * I carry no revolving debt, but have a $1M mortgage on one of the properties. * I have a 780+ FICO score. * My spouse works and his/her income pays the day-to-day living expenses, allowing the wealth I accumulated to remain invested and re-invested. I decide I want to pu
  5. Sorry to hear about your closure. But welcome to the "Synchrony sucks" club.
  6. Here's an ongoing list of charges that have been confirmed to receive 4% cashback (Savor) or 3% cashback (SavorOne): Cox Communication (COX LAS VEGAS COMM SV, 800-234-3993 NV 89106 USA); Category: Phone/Cable (Source: policebox, 05.26.2021) Dish Network (Source: myFICO forum, 05.21.2021) Disney+ (Source: Capital One email, 05.18.2021) Hulu (Source: Capital One email, 05.18.2021) Netflix (Source: Capital One email, 05.18.2021) Verizon FiOS (Source: myFICO forum, 05.20.2021)
  7. Here's an ongoing list of charges that have been confirmed to receive 4% cashback: Dish Network (Source myFICO forum, 05.21.2021)
  8. Capital One, being the dicks that they are, has enhanced the rewards on the Capital One Savor and SavorOne Rewards credit cards. Specifically, they have increased the reward from 1% to 4% cash back on "popular streaming." As always seems to be the case with credit card rewards, the issuers love to keep the specific list of merchants which will have the correct merchant code to qualify for a rewards category a secret. We end up having to risk through trial and error finding out which merchants will get the full 4% or if our valuable purchase will be relegated to receiving
  9. I'm sorry to hear about this happening to you and your daughter. This is certainly a frustrating situation that TD Bank (Target Credit) should have been able to resolve for you. However, this is a relatively easy fix for this situation that should result in your daughter being able to get this removed from her credit reports. Since your daughter was added to the card as an Authorized User, she has no legal responsibility for account repayment. What she will need to do is to contact the three (four) credit bureaus, Experian, Equifax, and TransUnion (and Innovis) to dispute the accou
  10. Well played. I would have at least liked to have gotten the $60 in cashback rewards owed to me from my PayPal Cashback card. Perhaps I'll file a CFPB complaint...
  11. I know losing $65k of credit lines with them during the shut down sure met my rapidly evolving needs.
  12. I did a bone-headed thing and I'm wanting to see if there is anything I can do to circumvent the rules. I opened a Special EasyStart Certificate at NFCU which is offering an APY of 3.50% for a maximum deposit of $3,000. I stupidly forgot that one of the criteria for buying this CD is that you have to have direct deposit. I don't work, so no direct deposit. If I don't have a direct deposit initiated within 90 days, the CD will revert to one paying under 1%. Anyone know of any ACH transfers or the like that NFCU considers to be a direct deposit so I can fulfill this requi
  13. https://rewards.fidelity.com/offers/rewards/rewards-wealth?ofr=1311 Yes, it appears to be that way. Looks like you also get a $75 Amazon credit if you are one of the first 20,000 to sign up. I wonder how much it would cost me per year to let them manage $2M? I use Fidelity and have the bulk of my non real estate assets there, but contemplating the vig on $2M they'd take, just to push annuities on me, makes me ill.
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