greendeh

Just curious how long until the bot gets banned

Location dependent. I do all CC apps with reports unfrozen (CLIs are different) and let them have what they want. I don't care about HPs. Besides C1s triple pulls I have never had an EQ pull X(2) Capitol One Triple X(1) Amex Double EX/TU X(2) Synch Double EX/TU X(3) Synch Single TU X(3) BoA Single EX X(1) BoA Single TU on request X(3) Citi Single EX X(2) Disco Single EX X(2) Chase Single EX X(3) USB Single TU X(2) Wells Single TU

Not an Amex post, just a "non-gasoline automotive purchases" post. My go-to card for online purchases is the Paypal MC for "3% through paypal". I just use a 1.5% Quicksilver virtual CC on any site that doesn't have a Paypal payment option or doesn't have gift card payment option where I can pick up gift cards locally from a grocery store at 5-25% off. rockauto, fcpeuro, Etc advanceautoparts & napaonline - Order online for 15% - 20% off order and pickup in store. There is also autozone, but I rarely buy their garbage, their "order online for 15% - 20% off" is "ship to home" only, and if needed can get autozone gift-cards consistently at 5% or 15% Online OEM parts such as: gmwarehousedirect, moparpartsgiant, hyundaipartsdeal, hondapartsnow, nissan.oempartsonline, etc Works great through eBay but I get gift-cards consistently at 5% or 15% What I like about the "3% Paypal MC online through paypal", besides that it has always been flawless for me, is I don't have to give out my card info to strangers and I never have to worry about card info being entered manually and losing the "online category" Just have to remember the FTF. I did once get smacked on FTF when I made a huge order of Knipex tools from a german company. First and last time I forgot about the FTF and Paypal's atrocious currency conversion rates.

Adjust your toxic attitude. And as for "smart enough" look to thine own ass first.

I know that Capital One bought/merged with Discover. My question was to chrishillson about the quoted text from chrishillson, not about the obvious.

What is happening? The fact that litigations that used to be filed as "Discover Bank vs. x" are now labeled as "Capital One N.a., Successor By Merger To Discover Bank vs. x" ?

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.