TheVig

Well shyt, apparently there are one or two people left working in the old school big box store business model that have some brains. And they happen to work at Macy’s. Mining credit card data, is nothing new. Makes sense to see where money is being spent outside their stores on their co-branded cards. With that said. Will Macy’s start selling gas and groceries? DW and I were at the local Wally World this past Saturday. The non-grocery side of the store was relatively dead. The grocery side was booming. Not on a Russian breadline level, but close enough. Business was very brisk at the Wally gas station outside. Wallly has some sort of gas deal going that works at Wally World , Murphy, and Exxon stations for Wally+ members.

Around my parts it’s the Sheriff Office that does all the serving. I’ve been at the right place at the right time to see people get served at their place of employment. The embarrassment they must feel. I’ve seen vehicle repos at the work place too. Repo man pulled into a restaurant parking lot to take a car. A waitress comes out screaming and crying to take it off the hook. Supposedly her ex was supposed to be making the payments. And not all all process serving is doom and gloom either. I got served to testify on behalf of the state. I witnessed a head on collision. The serving was just a formality. Nothing negative on me. In full disclosure, I knew that I would be served. Highway Patrol gave me heads up.

To the OP. I’ve been getting calls for years from boiler room collectors looking for relatives, even sometimes for me. Some even try scare tactics when leaving voicemails. My favorites are the ones that tell me someone needs to be home or at my place of work to accept papers in the next 24 to 72 hours. <<<<<< NOTE— No process server or law enforcement agency tells you they are coming to serve papers. If they did, no one would ever be home. A lot of these fecal for brains operations like to spoof their caller ID, making you think it’s someone local to you that’s calling. Like others have said. Don’t call them. If I don’t recognize the number, I simply don’t answer.

I use the subway a lot when I’m in NYC. This happened around 2am according to some news reports I saw. As a general rule of thumb, don’t use the subway after 10pm if you can help it. For entertainment I follow a channel on IG, called “subwaycreatures”.

Apparently they were trying to rob some folks.

Amex Gold & Every Day MR 415,373 Amex Delta Skymiles 204,097 American Airlines. Citi MileUp MC 66,368 Amtrak Guest Rewards MC 124,325 Chase CSP Signature Visa UR 66,378 Chase Freedom Unlimited Signature Visa UR Chase IHG Traveler MC 64,971 BofA Customized Cash Rewards Visa (3% Travel) $394.86 Citi Double Cash MC (2% CB Everything) $203.57 Citi Premier MC Thank You Points 32,109 Choice Privileges Visa Signature 310,175 WF Active Cash Signature Visa (2% CB Everything) $87.44 Shopping Portals and Apps / Stacking Opportunities DOSH (CB) $10.30 Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 8639 Fetch Rewards Points (GC) 18,601 Ibotta (CB or GC) $7.65 Upside (CB or GC) $15.04 CoinOut (CB or GC) $19.66 Payce (CB) $22.55 Receipt Hog (CB or GC) 1934 Coins Shell Fuel Rewards (Earning AA Miles 2miles/gal.) AA Simply Miles Airline / Hotel Dining and Shopping Portals

@PotO hit the nail on the head. He mentions limits getting slashed. He talks about $2m going to $1m.................. Let me break that down further for the average schlep rock who will never see a million dollars. Say you got a card with a $1k limit. The issuer gets nervous. Slashes the limit to $500. Now you have car trouble. $500 won't even get a new alternator and battery. I personally have over $300k in available credit car limits. Lucky for me I can control my bowel movements. If I ran up $300k, I'd need a BK attorney fast than Mexican tap water going through a tourist. I once had around $500k available. But a couple of years ago, I went into a self-induced recession. I closed most of my store-only cards. No one needs an Overstock card with a $30k limit.

My DW has a relative looking for an investor into his worm farm.

For awhile now I've been getting pre approvals from Bank of America for business versions of their cards, along with still getting pre approvals for their personal cards. In my case I wonder if it has to do with certain categories I spend in that's the cause? I don't know.

Higher limits beget higher limits. Better to have it and not need it, then need it and not have it, or can't get it when you need it.

Added this to the herd. Amex Gold & Every Day MR 415,373 Amex Delta Skymiles 204,097 American Airlines. Citi MileUp MC 66,368 Amtrak Guest Rewards MC 124,325 Chase CSP Signature Visa UR 66,378 Chase Freedom Unlimited Visa UR Chase IHG Traveler MC 64,971 BofA Customized Cash Rewards Visa (3% Travel) $394.86 Citi Double Cash MC (2% CB Everything) $203.57 Citi Premier MC Thank You Points 32,109 Choice Privileges Visa Signature 284,240 WF Active Cash Signature Visa (2% CB Everything) $87.44 Shopping Portals and Apps / Stacking Opportunities DOSH (CB) $10.30 Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 8639 Fetch Rewards Points (GC) 18,601 Ibotta (CB or GC) $7.65 Upside (CB or GC) $14.03 CoinOut (CB or GC) $19.66 Payce (CB) $22.55 Receipt Hog (CB or GC) 1934 Coins Shell Fuel Rewards (Earning AA Miles 2miles/gal.) AA Simply Miles Airline / Hotel Dining and Shopping Portals

Cold app. No theft of limits on the CSP or IHG. Instant approval.

He's still around. Matter of fact, his name has come up a few times lately in local NY media concerning riff raff on the NYC subway system.