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mec

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  1. There is more variance in oven temperatures in any one oven then there is in any one FICO score model. Ovens preheated to 225 will heat to ~250 and then cool down to ~200 before heating up again. The only variance you will get in a given FICO score model is when you look at your score and then a lender pulls it... which could cause a 0 to ~7 point swing.
  2. Hard to say for sure, but I believe the government will be urging large banks to extend broad credit to cushion the fallout.
  3. Sadly, last Friday BofA Platinum Plus. 11k IGCL* With the stock market in free fall, I thought it would be prudent to get an 18 month interest free loan before conditions changed further. I will probably try to transfer limits from my cash rewards account to get it above 25k and BT about 5k to the card. This is the first card I have applied for in several years that doesn't involve a cash/points SUB. I had been getting mailed offers for it (with a fixed apr) for several months and throwing them away. But the uncertainty in the air has me suddenly more interested in some padding than travel points. * Initially Granted Credit Limit
  4. "People say I'm crazyDoing what I'm doingWell, they give me all kinds of warningsTo save me from ruin"
  5. Got a mailer for WF Cash Wise. No SUB, ... but an extra 1.5% cash back (for 3% [or 3.6% on mobile wallet]) on up to 30k of spend over the first 12 months. 7k IGCL I've been planning to apply for the 3 Wells cards eventually (Cash Wise, Propel & Visa Sig) over a several year period to build up a cash of points for air fare, so this offer just pushed me into the process I thought I might never get around to.
  6. Interviewer: mec, how would you describe the new Amex Green Card refresh in one word? mec: Good. Interviewer: I see. And how would you describe it in two words? mec: Not Good.
  7. Yes. About 0.04% per day in my case.
  8. The only advantage in my case occurred around the first transaction, when I did not have any funds in my NFCU checking account and believed the ATM (cash withdrawal) transaction fees on that account would be less than those of other checking accounts I have and maintain funds in. Having access to the LOC allowed me to start using my NFCU debit card before any funds had been cleared into the associated checking account. That the Navcheck account existed and allowed me to use the NFCU checking account in that way was also mildly interesting to me, and I suspect to others, since I have never previously had any use for the LOC. I realize that my main intention in in this thread of showing the cost of ATM withdrawals overseas would have probably been better served by a different thread title. However, having had a few drinks prior to the original post, I didn't quite hit the mark there.
  9. I did really agonize over whether or not to submit an additional ACH payment on the 31st through the lender's billpay to eliminate the risk. I wanted to avoid that because I had already scheduled the next 3 payments through Plastiq under their 1% fee offer that was running at that time, and as much as I would have liked to make an additional principal payment, it wasn't really budgeted for. In the end I decided to risk it because of how convincing that trace I'd number and deposit date and time were and the chat logs I had to back them up. I'd love to get a real answer as to whether or not a paper check was delivered. I think there is a chance that Plastiq uses a service that actually makes the payment, and their information about the payment's delivery is inaccurate.
  10. I I got so close to the 30 day late payment because I made an error submitting a one time ACH payment from a new checking account. I must have entered a bad digit for the account number. In the period between when I submitted the ACH payment and the time it was rejected, I received a new card with a 5k spend SUB in the mail and calculated, based on Plastiq's timeline that it would arrive on the 30th of May. Close, I know, but I was looking for simple ways to burn through the spend requirement. As the date approached I realized I could be in jeopardy of a Credit blemish and began calling the Mortgage company daily verify the date I would be considered late and describe the situation to their representatives. The day that Plastiq reported the Mortgage company had received the funds, the Mortgage company rep told me that they could not see the credit, but that it was possible that it was in their system and still unprocessed. They also told me that no third party payment system ever submitted ACH payments, and that they were always paper checks. This contradicts what Plastiq states on their site about payments to this lender. That was the time I had my first chat with Plastiq and they provided me with a trace I'd number, a payment date time and a deposit date time for this payment. This caused me to believe the funds were in the lenders account and that they would eventually reconcile them to the 30th. In early June the funds were reconciled to the 4th and I had a second chat with Plastiq, in which they continued to assert the funds were sent electronically. To this point I don't have a definitive answer as to whether a paper check was sent by some entity to the lender as they insist it was or not. I'm not sure if they removed the 30 day late notations because they found the payment was not late or if they considered that I was proactive and that I believed they had been paid and did it as an act of good will.
  11. I tried, to the best of my understanding of the machine (s), to decline the offered conversion rate I believe the published forex exchange rate held steady over the course of these transactions. Euro to USD - 1.12 Kuna to USD - 0.15 ---------- June 25th Navcheck advance $184.88 - Florence, Italy €160.00 withdrawn 160*1.12=179.2 (5.68 'fee' or 3.169%) NFCU breakdown... 182.06 ATM withdrawal 1.1378 ex rate 1.00 ATM withdrawal fee 1.82 international transaction fee (1%) June 27th Navcheck advance $231.54 - Florence, Italy €200.00 withdrawn 200*1.12=224.00 (7.54 'fee' or 3.366%) NFCU breakdown... 228.26 ATM withdrawal 1.1413 ex rate 1.00 ATM withdrawal fee 2.28 international transaction fee (1%) July 1st Navcheck advance $231.16 Herceg Novi, Montenegro €200.00 withdrawn 200*1.12=224.00 (7.16 'fee' or 3.196%) NFCU breakdown... 227.88 ATM withdrawal 1.1394 ex rate 1.00 ATM withdrawal fee 2.28 international transaction fee (1%) July 3rd Navcheck advance $155.50 Dubrovnik, Croatia 1,000.00 Kuna withdrawn 1,000*0.15=150.00 (5.50 'fee' or 3.666%) NFCU breakdown... 152.97 ATM withdrawal 0.15297 ex rate 1.00 ATM withdrawal fee 1.53 international transaction fee (1%) July 5th Navcheck advance $155.00 Dubrovnik, Croatia 1,000.00 Kuna withdrawn 1,000*0.15=150.00 (5.00 'fee' or 3.333%) NFCU breakdown... 152.48 ATM withdrawal 0.15248 ex rate 1.00 ATM withdrawal fee 1.52 international transaction fee (1%) July 8th Navcheck advance  $343.27 Vienna, Austria €300.00 withdrawn 300*1.12=336.00 (7.27 'fee' or 2.164%) NFCU breakdown... 338.88 ATM withdrawal 1.1296 ex rate 1.00 ATM withdrawal fee 3.39 international transaction fee (1%) It seems like I could have shaved a little cost by withdrawing larger amounts to reduce the effect of the ATM withdrawal fee, but most of the variation was hitting on a lucky exchange rate. I suppose I could have done better, and I could have done worse.
  12. To follow... Amount of local currency withdrawn from ATM. Exchange rate at the time. Net % cost of cash calculation.
  13. June 25th Navcheck advance $184.88 - Florence, Italy June 27th Navcheck advance $231.54 - Florence, Italy July 1st Navcheck advance $231.16 Herceg Novi, Montenegro July 3rd Navcheck advance $155.50 Dubrovnik, Croatia July 5th Navcheck advance $155.00 Dubrovnik, Croatia July 8th Navcheck advance $343.27 Vienna, Austria

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