StantheMan

Not much difference between a 12 and 14. However couldn’t resist when I had an old Samsung laying around ( worth MAYBE $100) and Verizon was offering a $800 trade in value for it so I went for the Max. Of course for better or worse I’m stuck with Verizon for another 3 years. Nice phone but not a game changer. Many years ago I got a sweetheart deal with Verizon and grandfathered in because of my wife’s profession. Two lines $80 auto pay with unlimited everything and no throttling.

Unless you are Rain Man there are very few advantage schemes to be had these days. Regardless of location most casinos as well as cruise lines will rate you on the amount and time you play; win or lose. Some Native American casinos have given me unbelievable comps I.e. Rooms, $1500 restaurant credit and that’s after I have won. Unfortunately I have very good knowledge about most casino worldwide.

Good point IF the dispute isn’t legit. Still nice to get the reports without any hassles.

One is entitled to a free report every week through 2023 with the three majors. Annual credit report.com A by product of the pandemic. Just use any email.

Usually when activating a card a automated system is in play. Either a misdial or a “three below chimp”.

Can’t qualify for Chase but find it strange PenFed has always had me at 50k cash advance limit on my 2 cards (my limit) from the get go six years ago even with a BK on my reports.

Makes it all the more satisfying when you recover and get back where you were. Not quite as bad as you but almost back and soon to exceed pre BK.

My bad, u want to lock not freeze. Ur right that’s a different story.

In case u missed it: https://www.transunion.com/credit-freeze

Use Safari or Chrome and enter the service.transition.com address.it will take u to transition’s direct site to create a free account. You may have to scroll down to find it on Chrome. It’s free and can lock/ unlock at will. https://www.transunion.com/credit-freeze

You should be able to to lock and unlock it. I constantly do it this way. There’s an option available or at least for me. service.transunion.com

Whenever I need a TU report I just google get a free report because of adverse action even if none occurred. Have had the same log in credentials for so many years. Have locked and unlocked 100’s of times whether in the States or overseas with no problems. In fact do it with all three and it’s instant.

At one time used to be even more conservative.

Maybe the worst website I’ve seen for a credit card.