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  1. I’ve been called a rectal tool in so many words. Never been issued one.
  2. https://www.dailymail.co.uk/news/article-6604769/Chris-Hansen-owes-250-000-taxes-60-000-American-Express-1-million-mortgage.html Apparently he also is not so popular with his Kickstarter supporters in comments section: https://www.kickstarter.com/projects/1606694156/hansen-vs-predator/comments Might be a case of public persona and real world behavior not being the same.
  3. I like A+. They let me BT cash directly to my bank account at 1%, 12 months. My A+ utl. is 65%. (< 15% overall.). They are all just cards to me. CC’s they come they go. Net very positive as of now.
  4. You are so harsh that you feel people deserve to be defrauded? Everybody does dumb things. It seems obvious to me it was a sucker bet, I agree. Some people are comfortable sending money for nothing tangible in return via fraud prone websites, I guess??
  5. I’d see if an ITF or similar account with a child beneficiary shields you. An account in your name but legitimately in trust for a child. If that can apply. Better then a levy. Some variations of this theme work because the money does not really belong to you. Only a lawyer can guide you optimally. Just tossing out some ideas...
  6. Citi seems to engender mixed responses. Thanks for the input.
  7. Citi CO approximately 1998 here. Would a Citi Secured be anymore likely to be approved then unsecured? Reasoning is I am perfectly fine letting it age and graduate if it is the best bet. Counterpoint is my Fico average is above 730. Thanks. I will add information if I decide a plan of action and apply. 🙂
  8. Yes, I am aware of the effective payment of some interest but for some brevity my only point was I was surprised about the CLI. Glad you mentioned the possibility of Barclay collecting interest on a non-PIF 0% BT as a possible factor in the CLI. Yes, I met the spend and applied same to an international flight. Took the edge off. I don’t mind the 3% BT fee because as it was in my best interest and as a bonus may have a tangentially positive effect on my account relationship. Who knows? Thanks for the reply.
  9. FWIW, I never paid any revolving interest. I did pay 3% TF for the 0% BT. I still owe 80% of original BT and have only 6 months left on 0%. Maybe they think I will carry some of the BT after promo period. Don’t claim to know. Anyway, thanks for the information. 🙂
  10. The way the algorithms are set up is beyond comprehension. I barely use the card and was over 50% utilization (mostly 0% BT) and got a Auto CLI. This is strictly a YMMV game. Unfair is not relevant it seems.
  11. I see a lot of comments suggesting Barclay is in a loveless marriage with some/all of its cardholders. My account somehow escaped the dreaded sale, btw. At exactly 6 months into our relationship they gave me auto love. $7.5K to $10.5K. I only have two other cards- neither Barclay. Total of only 3 TL’s. No HP after the Barclay A+ application six months ago. Motivation to apply: SUB and 0% BT. 1HP Barclay (TU). About 7-10% average monthly utilization over the six month period (not counting original $5K BT). BT was only paid down about 20%. It was at $4K when the six month auto CLI hit. No installments. Thin file. Fico average 735. AAOA 7 years. Arrival+ utilization 57% pre-Auto CLI. Overall Ut: 18%. Hoping they don’t divorce me with some Wizard of Oz behind the curtain algorithm down the road. Thank you all for the years of help.
  12. Anybody curious what their desired market is. I have never had a problem personally but undesirable data keeps coming in. They are reported as difficult, their technology is behind (mailing documents). Approval rarely smooth. They discontinue cards, they sell accounts. It sounds like somebody married but actually wants a divorce. So their desired market and growth in the U.S is?

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