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About Kat58

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    CB Detective
  • Birthday 02/21/1920

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  1. Kat58

    Travel to Japan?

  2. You can go to americanexpress.com and check for pre-qualified offers. Click on the 'Cards' link and choose 'Check for Pre-qualified Credit Card Offers'... If you see the PRESCREEN & OPT-OUT NOTICE and a fixed interest rate (not variable), you should be good to go... Note - Amex cards are easier to get approved for today than they were in the past. You shouldn't have to get a Charge card first.
  3. https://www.bankrate.com/credit-cards/chase-freedom-unlimited-offers-3-percent-cash-back-for-in-person-applicants/
  4. https://www.reuters.com/article/us-usa-fed-households-graphic/the-fed-is-prodding-americans-to-buy-more-on-credit-idUSKCN1R220T
  5. The Credit Freeze FAQ from the FTC, with the same info, was in place at least since May 2016... https://creditboards.com/forums/index.php?/topic/568313-opt-in-but-cr-frozen-can-you-still-get-prequalified-offers/&do=findComment&comment=5480355 Experian has automatically opted people out in the past (not sure about the other 2/3)... August 2014 https://creditboards.com/forums/index.php?/topic/532612-pay-for-freeze-experian-sends-form-for-opting-out/ August 2016 https://creditboards.com/forums/index.php?/topic/575050-experian-removed-my-name-from-preapproved-credit-offer-lists/ EX, EQ, and TU state on their websites that freezing your report does not prevent prescreened offers. Don't know how long that info has been in place (obviously).
  6. The above posts/links are based on assumption/parroting and zero facts. Here's an article from AARP dated 10/24/2014... https://blog.aarp.org/2014/10/24/is-a-credit-freeze-for-you/ I found numerous other articles stating the same thing. I found none that stated you were automatically opted out when freezing your credit.
  7. Kat58

    Discovery charge off rate jumped to almost 4%

    riding oneself From MarvBear: Your post makes me deeply disappointed and ashamed.
  8. So far, and still looking... "A credit freeze, also known as a security freeze, prevents the credit bureau from sharing your credit report with any person or entity without your permission (it prevents hard credit inquiries). Without a credit report pull, no one can obtain credit and open a new account in your name." "Credit freezes do not prevent you from receiving pre-qualified credit offers, either (because these come from soft inquiries). BTW, I never said I couldn't find that info. I said, "I don't recall ever reading that"
  9. I have my grandkids right now. Will re-search later.
  10. I don't recall ever reading that^
  11. Kat58

    2019 Credit Recession (self induced)

    Ok, I'll try a different angle. For an experiment (or just for fun), pay off all CC's with the exception of ~$3000 and request another CLI on your DCU CC.
  12. Kat58

    2019 Credit Recession (self induced)

    Some FI's see $ amount of revolving owed as opposed to overall utilization %? I can't remember if Bobwang discussed this, but I've always wondered about it. In the mycrappo simulator, there's a question... I realize this includes all debt (except mortgages), but still, there appears to be thresholds. Thoughts?
  13. while ( i ❤️ u 2 ) . . .

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