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  1. Well Apple didn't give all the details. So, everyone will speculate until the card starts late this year. The exact date itself will be speculated. Also, what does this exactly mean: "Customers can sign up for Apple Card in the Wallet app on their iPhone?" Other questions: What exactly will be the interest rate tier? What role does Goldman Sachs play?
  2. So you subscribe to each bureau individually? Or is there some way to subscribe all-at-once?
  3. So if freezes are better, according to the article, what is the cost-effective way of freezing/unfreezing? Or do I have to pay all three bureaus separately to freeze/unfreeze? Also, how easy and quick is freezing/unfreezing?
  4. Is there one website service I can use to lock/unlock Experian, Equifax,and Transunion reports? Or must I visit each website and sign up for their service separately?
  5. WhyChat you helped me get a paid medical bill removed from my reports, which cleaned reports of all collections. I am trying to keep them clean. I just received a letter from a collection agency for a medical bill with date of service in 09/2018. I do not dispute the bill because I called my insurer and was told this is the portion I must pay. The problem I have is that I don't have the money to pay. I could pay a portion and setup a payment plan. However, the letter states that I have 30 days to dispute the bill. It does not mention a payment plan. It sounds like unless I pay in full it's going on my credit reports!! I've come too far to let this happen. If I call them and ask for a payment plan and they agree (if they agree), will it still go my reports? I contacted the doctor's office and was told they don't handle their own billing and I must contact whomever sent me the letter. I don't know how to proceed on this.
  6. Buying some Cash cards sounds like a good idea. BTW you got me laughing out loud with whore enthusiast.
  7. Ok I figured out how to see the offer gain. It says, "Upgrade and earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership". Well that's a deal breaker for me. I won't be spending $4000. Unless I could somehow pay my car loans with the card.
  8. Ok I wasn't 100% if I would get a SUB since I am being upgraded and not a new holder. But I think it said 150,000 points. I just signed in again to see and be sure of the offer and now it's gone!!! Today was the first time I saw the offer and now it's gone? I wonder will it re-appear or can I call and accept the offer if wanted it?
  9. Ok that is something to think about. Thanks for the advice.
  10. So you are saying the upgrade is not worth it because Hilton properties are not impressive?
  11. I signed into my AMEX account online and there sat a pretty much gurannteed offer to upgrade my Hilton Honors Ascend to Hilton Honors Aspire. I'm pretty sure this will not be a hard pull. Right? The benefits I would get are awesome but Aspire has a $450 annual fee compared to a $95 for Ascend. The annual fee is a beeatch!! LOL. Here is a comparison: https://thepointsguy.com/guide/hilton-ascend-vs-hilton-aspire/ A lot of folks, from what I read, are making up the annual fee buying Airline gift cards. One of the benefits is a $250 annual credit for incidentals with a pre-chosen airline. You can buy airline gift certificate and it will trigger the statement credit. Then use the gift ticket to travel. There are other perks such as annual free night at Waldorf Astoria, $250 resort credit, and diamond status at Hilton properties. What do you all think?
  12. I just switched to GEICO for car insurance. I had no idea until they asked, "Are you a member of Navy FCU?". I am and said "yes". That got me to $100 off my six month policy. Cool!
  13. The card is about a year old. The original limit was $2000. As soon as I was approved for the Aviator, I closed my Apple Rewards and transferred its limit to the Aviator. To be honest when I said I had a $1000 balance, I rounded way down. It was more like $1200. That would be above 33%. One thing you might consider is my usage. I rarely used the card but when I did it, it was a very large charge. For example, I once made a $2000 charge but very soon afterwards made a $500 payment. I guess they wanted to give more room to make large charges because they knew I would pay?

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