greendeh

Most of them deserve each other. A few don't.

Excellent data. Thank you for your pain.

Just my data point. I have had the issue of unfreeze not being unfrozen multiple times in 2023-2024 (3? 4? times) and only with TU. All 3 have been frozen over 6 months so don't know the current state of my unfreezings.

Seems that BMO has recently mass fired a lot of BMO card holders with no forewarning. Any members here been unceremoniously closed out in the past few weeks?

Mine became TU a few days ago.

I collect 100% of the interest on my money and the taxing pirates get their booty on or about April 13th each year.

Tariffs

https://www.youtube.com/watch?v=MH9FyLsfDzw

"Synchrony - They are well known to close accounts and cut limits to an amount that is not even useful." All issuers are known for this possibility, and yes Synchrony seems to be known for this to a greater extent. "Unfortunately when they close accounts that directly impacts your total available credit limit." So what? Diversify and it is a complete non-issue. And "Total CLI" doesn't mean anything. Unless, for example, you are padding balances you are carrying, and if you are carrying balances I suggest you research things like "Financial Primer" "and changes* the age of your credit." No. Closing an account yourself or having an issuer close your account does not in the short or medium term "change the age of your credit". Closed accounts generally report 7-10 years and perhaps longer. I personally have a Chase card that has been reporting 18.5 years as closed.

That's a "Dandy" annoyance.

I have one HP from Amex from EX and one from TU

Even more perspective. I applied at the bulls***happens.com website with completely made up info and this was the loan offer my fictitious applicant received. The stats work out to a 4 month 210% loan based on weekly payments. "Dash of Cash" Tribal Loan Amount Financed $700 The amount of credit provided to you on your behalf. Annual Percentage Rate 683% The cost of your credit as a yearly rate. Total Finance Charge $1,468.00 The dollar amount the credit will cost. Total of Payments $2,168.00 The amount you will have been paid after you have made all payments as scheduled. Finance Charge $140 Total Due: $840 If paid in full by 11/01/2024 Including VIP discount & Promotions (Would love to know what it would be without uber special VIP discount & Promotions) Installment Schedule Installment Amount Due Date 1 $140.00 Fri, Nov 01, 2024 2 $140.00 Fri, Nov 08, 2024 3 $140.00 Fri, Nov 15, 2024 4 $140.00 Fri, Nov 22, 2024 5 $210.00 Fri, Nov 29, 2024 6 $196.00 Fri, Dec 06, 2024 7 $182.00 Fri, Dec 13, 2024 8 $148.00 Fri, Dec 20, 2024 9 $138.00 Fri, Dec 27, 2024 10 $128.00 Fri, Jan 03, 2025 11 $118.00 Fri, Jan 10, 2025 12 $108.00 Fri, Jan 17, 2025 13 $98.00 Fri, Jan 24, 2025 14 $88.00 Fri, Jan 31, 2025 15 $78.00 Fri, Feb 07, 2025 16 $68.00 Fri, Feb 14, 2025 17 $48.00 Fri, Feb 21, 2025

Apple and Goldman Sachs ordered to pay over $89 million for Apple card failures https://www.cnbc.com/2024/10/23/apple-goldman-sachs-fines-apple-card-failures.html Key Points Apple and Goldman Sachs were fined more than $89 million for mishandling consumer disputes of Apple Card transactions, the Consumer Financial Protection Bureau said on Wednesday. The bureau also banned Goldman Sachs from launching new credit cards unless it can provide an adequate plan to comply with the law. The fines are tied to allegations that Apple and Goldman Sachs misled consumers about the interest-free payment plans for Apple devices. And US watchdog orders Goldman Sachs, Apple to pay $89 million over consumer failures https://www.reuters.com/business/us-watchdog-agency-orders-goldman-sachs-apple-pay-89-million-over-consumer-2024-10-23/ Key Points According to CFPB: Consumers faced long waits for refunds Allegedly Apple failed to send Goldman tens of thousands of consumer disputes and in cases when it did, the bank failed to review them in accordance with the law. Allegedly misled card users about interest-free payments for Apple devices, with many actually steered toward purchases with interest - in some cases, the interest-free option only appeared when online consumers made purchases using Apple's web browser.

I have my money on "Because it is a sexy beast"

decrease 418.5% should be 76.11% decrease