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    Mathematics, Psychology

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  1. I know losing $65k of credit lines with them during the shut down sure met my rapidly evolving needs.
  2. Sounds like a great score. Congratulations!
  3. 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 requirement?
  4. 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.
  5. This is really intriguing. I'd love to get this card bumped up to 3%. However, I have a personal philosophy of steering clear of using professionally managed financial services, especially ones that take a commission that is percentage-based rather than having a flat fee structure. I feel that the fees involved are usually a rip-off when the rate of return you get is often worse than putting your money in an index fund. Any hints on what kind of verbiage you used to pass as a sweet person on the phone, so I can ask DW to duplicate it? Also, I assume this call was to Fidelity regarding enrolling in the Rewards+ program and not with Elan?
  6. No, I do not have any accounts on deferral or any type of special status. My accounts are all paid-in-full each month. The only thing that reports are charges I can't/forget to pay off before the statement cuts. Generally, I try to only let one account report a small balance.
  7. I would just like to add, Synchrony Bank screwed me out of $69.98 in cash back on my PayPal Cashback Mastercard since they closed the account, and closed accounts cannot earn cash back. I know it's terms and conditions, but I didn't do anything to warrant my account closure. They should at least pay me the cash back I earned while the account was open and in good standing. I mean, the account was never in bad standing. What a bunch of assholes. I'll never do business with Synchrony Bank again.
  8. Well, here's an update. Synchrony shut me down across the board. Logged in to check my PayPal Mastercard, and it had been closed. Checked my other accounts, Amazon Store Card and Rakuten Visa, both also shut down. That's a total of 5 credit lines totally $65,000, gone in a flash. I use the PayPal MasterCard monthly, probably putting $2k - $5k a month through it, which I pay in full. Never had a missed payment on any of these cards. Their reason, "contact the credit bureaus because they are reporting something that shows I'm a high risk." I check my report nearly daily and the only major change was getting a mortgage. Didn't know having a bank rigorously go through all my financials and giving me a $1.2M mortgage would demonstrate that I'm a financial risk. [CENSORED - YOU WERE GIVEN A LANGUAGE WARNING BY AN ADMIN. DON'T PRESS YOUR LUCK AND FIND YOURSELF IN QUARANTINE!]
  9. Chevron card was last used and paid off in June 2019. Ashley Furniture was last used May 2018 and paid off October 2018, although I pushed a $5 payment to the account in November 2019 to keep it "active".
  10. I received two letters from Synchrony Bank shutting down two of my accounts with them. Chevron & Texaco Credit Card account with $10,000 limit. Ashley Furniture Homestore account with $25,000 limit. The stated reason: "Activity on account(s) with SYNCHRONY BANK indicative of high risk of failure to pay" Don't really know what that means. Neither of these accounts see any action. They actually raised the Ashley card's limit from $16,800 to $25,000 two months ago. The only card that sees any action is the PayPal Cashback Mastercard, which gets $2,000 to $5,000 a month put on it, but gets paid-in-full. No revolving debt. No installment loans. Only major change was obtaining a mortgage a couple months ago. Fuck 'em.
  11. You'll have to provide them with copies of the documents they requested in order to get the restriction lifted. If you aren't getting the link to send the documents electronically, I would call Capital One to see if there is an address you can mail the copies to. You'll probably be receiving a letter from them giving the details, but if you don't want to wait for the letter, I'd call them up and ask where you can send the documents. If you don't have a copy of your social security card, you can request a new card from the social security administration. Here is a link to their webpage with a description on how to go about getting a replacement card. https://www.ssa.gov/myaccount/replacement-card.html
  12. The fee is $7 per month. So if you assume a person is perpetually borrowing, re-paying, then re-borrowing the maximum amount of $500 through the duration of the year, then they are paying $7 * 12 = $84 in fees to borrow $500. Annualized, that comes to an APR of about 16.8%. Not terrible when compared to pay day loan companies or even credit cards. Personally, I wouldn't want to be living so close to the margin that I needed to be paid at the end of my shift to survive. But then, I guess a lot of wait staff and other tip-based employees have been doing so for decades.
  13. With USAA, I once had a checking account balance show up as NaN. (Sorry for the poor quality snapshot from the event.)
  14. I have the Fidelity Rewards Visa card, which is issued by Elan Financial. I performed a balance transfer to Capital One back in August 2018. According to my Capital One statement, it was received as an Electronic Payment. The transfer took two business day from the time I submitted it to Elan to when it posted with Capital One.

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