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policebox

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  • Location
    Nevada
  • Interests
    Mathematics, Psychology

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  1. https://www.buzzfeednews.com/article/nicolenguyen/debit-cards-suddenly-stopped-working-for-ally-bank-customers Be an adult and learn to carry some cash and/or a credit card for a backup. If you can't buy lunch because your only source of funding is no longer working, that's your own fault. And what's the deal with catastrophizing every problem that occurs in the lives of this segment of society? You didn't have access to your money for a few hours, that sucks, but be prepared.
  2. policebox

    NEW LOGO!!!!! (MasterCard)

    Is their name officially no longer stylized as MasterCard? Cripes... that's a lot of changes I'm going to have to make in Quicken.
  3. policebox

    citi 2x card. what are my approval chances

    It took me 20 years to get off the Citibank blacklist. YMMV.
  4. policebox

    Cap1: Savor / SavorOne (PC)

    https://thepointsguy.com/news/capital-one-savor-postmates-perk/ TLDR; Capital One Savor is adding perk of (basically) free one year membership to Postmates Unlimited (a delivery service similar to InstaCart, GrubHub, Seamless). You have until the end of 2019 to sign up for the deal. "To use this benefit, you just need to charge the $9.99 fee for Postmates Unlimited to your Savor card, and you’ll receive a statement credit reimbursing you. You’ll earn 4% back on the Postmates Unlimited subscription even though Capital One will reimburse you for it, and you’ll of course earn 4% back on any orders you make through Postmates. Not a bad deal if you frequently order in and want to rack up some serious cash back." Sounds like a great deal. Question is, anyone know if this is only for new card applicants or does this deal apply to current card holders?
  5. policebox

    Choosing the Best Rewards Card for My Spouse

    Take a look at the following: Barclays Uber Visa (4% dining, 3% travel, 2% online, 1% otherwise, redeemable as cash) PayPal Cashback MasterCard (2% card) Citi Double Cash (2% card) Fidelity Rewards Visa (2% card)
  6. After two months of having the Mercury MasterCard, I received an auto CLI of $750, giving me a new limit of $5,900. This still makes it my lowest limit card, but it was nice to see an increase after only two months, considering Barclays never raised the limit in 2.5 years. My spending has been putting about $1,200 a month in utilities on the card, then paying in full before the statement cuts.
  7. policebox

    How long of a memory does Barclays have?

    My data point. At least 11 years. I burned a Juniper credit card back in about 2007 and Barclays won't approve me for the same reasons you are receiving.
  8. policebox

    Anyone know what's up with Barclays card website?

    I got this message earlier too when checking DW's account. I figured Barclays had closed her account since we recently paid off a 0% balance transfer.
  9. policebox

    NFCU Flagship upgrades rewards

    When my DW opened her accounts a few months ago, she applied for a CLOC and Visa. Online said "Review in process" for the status until well after she had received and activated the card.
  10. policebox

    How Credit Unions Are Winning Over Millennials

    That is a pretty pathetic savings rate. You can at least get 25 basis points at Navy FCU.
  11. I know credit is getting pretty easy to get. I feel Synchrony Bank is more generous with limits and low FICO scores than Capital One. But it surprises me to read that Walmart made the switch because Synchrony wasn't expanding the availability of credit to more applicants as Walmart wanted, especially in light of a 9% rate of default. If Capital One is willing to expand its risk into major sub-prime land, then more power to them, but I think it's a bad decision. The markets are looking like we might be headed towards a period of recession. Seems credit issuers are flooding the market with as much money as they can in a last ditch attempt to rake in profits before the recession hits and default rates soar. It's a repeat of the last financial crisis, with sub-prime and adjustable-rate mortgages. Default rates are on the rise and a the bear market is looming. Losing Walmart's business may be a blessing in disguise for Synchrony.
  12. policebox

    Prequalified for TJX Mastercard (Synchrony)

    I got that offer earlier this year. I've never been to a TJ Max. Don't even know if we have them here in Nevada. I politely declined the offer of credit.
  13. Payment amount doesn't matter. Hope you went to a cheaper APR (or at least the same), otherwise this may not have been a good financing deal.

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