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CB's Resident Nice Guy
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Tori Spelling poses in racy bikini top as she addresses departure from Jennie Garth's podcast
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TheVig reacted to a post in a topic:
More Americans are relying on credit cards to buy groceries, new study finds
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Kat58 reacted to a post in a topic:
The yoopers are poop'n
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8ball reacted to a post in a topic:
More Americans are relying on credit cards to buy groceries, new study finds
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Taco Bell investigated as lettuce emerges as possible source of cyclosporiasis outbreak
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Kat58 reacted to a post in a topic:
2026 Approvals and CLIs thread
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PhoenixDown reacted to a post in a topic:
2026 Approvals and CLIs thread
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Amex Hilton Surpass. 150k Hilton points for $3k spend. $150 AF waived first year.
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TheVig reacted to a post in a topic:
2026 Approvals and CLIs thread
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TheVig reacted to a post in a topic:
Americans lean on credit cards and buy now, pay later as gas prices eat bigger share of income
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hegemony reacted to a post in a topic:
Americans lean on credit cards and buy now, pay later as gas prices eat bigger share of income
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TheVig reacted to a post in a topic:
San Diego DA Announces Credit One Bank Will Pay $10.2M to Settle Suit for Unlawful Debt Collection Practices
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MP80 reacted to a post in a topic:
Americans lean on credit cards and buy now, pay later as gas prices eat bigger share of income
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TheVig reacted to a post in a topic:
Hegemony's score tanks!!!! removal of last installment line
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Tori Spelling speaks out after car crash with her kids: 'Guardian angels were with us that day' because 'it could have been so much worse'
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TheVig reacted to a post in a topic:
Hegemony's score tanks!!!! removal of last installment line
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Kat58 reacted to a post in a topic:
Your Server Certificate is Expired
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hegemony reacted to a post in a topic:
Your Server Certificate is Expired
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Still showing expired for me. That's okay, because I just made myself lunch. 8 eggs over medium, with some roasted garlic tossed in.
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Wildchilde36 reacted to a post in a topic:
2026 Approvals and CLIs thread
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hegemony reacted to a post in a topic:
Tori Spelling being sued by American Express
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TheVig reacted to a post in a topic:
Tori Spelling being sued by American Express
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TheVig reacted to a post in a topic:
Capital One CLI Offer / Success: I'm Finally Prime to the Subprime
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Tori Spelling sets the record straight on 30 years of plastic surgery rumors The '90210' star says at 17 years old a tabloid falsely claimed she had chin and cheek implants when she'd only gotten a nose job
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TheVig reacted to a post in a topic:
Fannie Mae Ending Its Hard 620 Score Cutoff
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TheVig reacted to a post in a topic:
2026 Approvals and CLIs thread
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Delivered last weekend. Samsung Galaxy S26 Ultra (Unlocked)
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Credit Cards: Amex Green & BB+ MR 586,608 Amex Delta Blue SkyMiles 114,851 Amex Hilton Honors 211,625 FNBO Amtrak Guest Rewards World MC 151,395 Chase CSR / CSP / CFU / CFF UR 233,677 Chase IHG Premier World Elite MC 68,283 Chase Hyatt Visa Signature 6575 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines (ATMOS) Visa Signature 115,945 Citi Strata Premier / Double Cash / Custom Cash TYP 81,496 Choice Privileges World Elite MC 309,598 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 18,161 Rakuten Amex Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (BILT Points Earning) Points Pending: 7590 Chase Shopping Portal (UR Earning) American Airlines 90,854 Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals
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Banks Respond to Proposed Cap on Credit Card Interest Rates
TheVig replied to hegemony's topic in Credit Forum
I told someone the same thing the other day. Even at 10%, do you have the capacity to make large enough payments to take advantage of the 10% and get the debt paid off? -
I haven't looked. Had it been a HP, I would have gotten a dozen or so alerts. I do know first time applicants do get hard pulls. Who they pull is YMMV. It could be from any of the big 3. Cardless is the servicer, but Column is the new bank. From what I can gather, Column doesn't want to see any derogatories, high utilizations, or a ton of inquiries. They do seem to over look inquiries, if you have a clean, well seasoned credit report.
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Bilt Obsidian card. $95 AF. $24k Instant approval. Soft pull, since I’m an existing card holder.
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From my understanding other factors for approval will be required or scrutinized a lot closer. One of those things is "reserves". In other words.............cash on hand to make the payments after a job loss.