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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, here is an ongoing list of charges that have been confirmed to NOT receive 4% cashback, but instead receive the default 1% rate: CenturyLink (CENTURYLINK SIMPLE 800-201-4099 LA 71203 USA); Category: Phone/Cable (Sourece: policebox, 06.02.2021) Youtube (GOOGLE *YouTubePremium 650-253-0000 CA 94043 USA); Category: Internet (Source: policebox, 06.06.2021) YouTube (GOOGLE*YOUTUBE TV INTERNET CA 94043 USA); Category: Internet (Source: policebox, 06.23.2021) I'm pretty disappointed that YouTube Premium, but especially YouTube TV doesn't qualify as a "video streaming service" while many other similar platforms seem to.
  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 revolvers report a balance a couple times in a row (always paid-in-full before the due date, but balances after this fact sometimes get reported). But as of 06/23/2021 (with no changes between then and 06/25/2021), I had only one credit card (bank card) account (revolver) report a balance of $791 with a credit limit of $14,900 (5%). The only other account to have a balance was my mortgage account (installment), which does report a substantial balance (current balance is 97.5% of the original balance). Will someone educate me about why this FICO model (or any other FICO models that do as well) thinks one credit card balance and perhaps a mortgage constitutes too many accounts with balances? Additionally, how old does your newest account need to be before it stops dining you for having a recent account opening being too short? Thank you!
  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 purchase a vehicle, having a negotiated price of $80,000. Although I have enough cash on hand to buy the car outright, I would prefer to finance the purchase, at a rate of 2% APR for 48 months, since I can make more money investing that cash than I would spend on interest. * $80,000 financed at 2% APR for 48 months spends $3,309 in interest. * $80,000 invested in the S&P 500, with an average return of 8%, earns $28,839 in 48 months. * The extra $25,530 in earnings pay for nearly 1/3 of the car. I can provide whatever statements are needed to document the value of the assets, but since any money those assets generate is re-invested, there doesn't exist an "income" stream from them. Basically, it's not like this is a large retirement account that I'm drawing from monthly to live and could show that as income. The other stipulation is that it cannot be the working spouse that obtains the loan nor co-sign for it. It must be obtainable by the non-working/retired young millionaire. For those of you that work in finance or with personal experience doing this, how do very wealthy people who no longer work obtain financing in this case? Can they still do so with the usually favorable terms that a person with a high FICO usually obtain?
  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 a paltry 1% cash back. My ego takes a huge hit when a purchase that I believe should have received the full reward gets relegated to the children's table. I'm then forced to endure the flashbacks and intrusive thoughts of all my past failures and mistakes. I'm damaged goods. Does Spotify count? How about Google YouTube TV? Will I win or lose if I try to charge my Google YouTube Premium subscription? Inquiring minds want to know. If only Capital One would release the actual list of qualifying products, rather than making this process be so mercurial. In a recent correspondence with Capital One customer service, I was initially hopeful they would be forthcoming with the information I requested. Although they did thank me for my inquiry and my business, to my disappointment, the only information they provided was the quote above. So, I petition the forum for we, the members, to bandy together our experiences with this card, sharing our failures and successes in mining for the elusive 4% to be earned from purchases from select streaming services.
  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 account. She should explain that she is no longer an authorized user and request that the account be struck/deleted from her credit report. They will usually remove it almost immediately without fuss. Experian: How to Dispute Credit Report Information - Experian Equifax: File a Dispute on Your Equifax Credit Report | Equifax® TransUnion: Dispute Credit Report: How to Dispute | TransUnion Innovis: Dispute Resolution | Innovis In addition to this, you should send a letter to TD Bank (Target Credit) also requesting that your daughter be removed from the account. That way, you will have the official request in writing. I wish you the best of luck. Please let us know how things turn out for the both of you.
  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 requirement?
  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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