Jump to content

taylortr

Members
  • Content Count

    1,445
  • Joined

  • Last visited

  1. Citi crushes FIA for me. My last cli with citi (about a month ago) was 2k. That's more than the total line FIA will give me. Of course I don't use their card so that may have something to do with it.
  2. I had to wait 6 months for my first. Then got them every 3-4 months after that. YMMV
  3. somebody gets it !!!!!!!!!!!!!!!!!!. bad bad time to be a tax paying american .... Even worse, a taxpayer and a mortgage payer.
  4. Whether I tip in cash or credit, I am not required to report anything. I'm sure everybody reports when they win the football pool at work for $30 or when the little old lady at the grocery store gives you 50 cents for helping with her bags. Person to person transactions are not now, nor have they ever been subject to federal income taxes. That is not now, nor has it ever been, the spirit of the federal income tax code. The tips that I (meaning me personally) give to various servers, are in my eyes a personal transaction and meant specifically for the person that I hand it to. LOL, obviously you have not dealt with the IRS. Poor Wesley had the same ideas and see where that got him. Person to Person transactions indeed, that is the funniest idea of the day. Glad I could amuse you. Yes I have dealt with the IRS (and the peoples' republic of Maryland). Yes I know there is a line for wages and tips on your tax return. If I give you 5 bucks to shine my shoes, stick it in your pocket. I try to tip in cash.
  5. Whether I tip in cash or credit, I am not required to report anything. I'm sure everybody reports when they win the football pool at work for $30 or when the little old lady at the grocery store gives you 50 cents for helping with her bags. Person to person transactions are not now, nor have they ever been subject to federal income taxes. That is not now, nor has it ever been, the spirit of the federal income tax code. The tips that I (meaning me personally) give to various servers, are in my eyes a personal transaction and meant specifically for the person that I hand it to.
  6. Ya it was definitely random for me, nothing had changed on my reports. I was a little PO'd at how sneaky they were, too. It was in like size 1 font on the back page of my statement, and I really wouldn't have noticed were it not for the discussion about it on here. Whatever, their loss. I paid it off and now they are just getting taken advantage of for the free FICO. I'm not paying 21% interest, that's insane. That brings up a good point. When they state the terms before you apply, it's (the APR) in that giant bold font. When they change it for whatever made up reason, they sneak it by.
  7. Freelance income also isn't income one can count on, but it sure as **** is subject to income taxes. As are lottery/gambling winnings after a certain amount or an inheritance--also income one can't count on. Whether or not you can count on it is not what makes income subject to income taxes. Basically if it comes in, it's income... subject to income taxes. Even if it's an unexpected, one-time windfall. I understand all that. I don't agree (with almost all of the tax code). Thus, my predilection to hand over cash as a tip. Again, I'm only stating an opinion.
  8. I know George, I guess I'm a bit of a scofflaw when it comes to that. Sometimes I break the speed limit too.
  9. I'm NOT going to lose the EXTRA rewards for the tip The tip can be $10 or $20 (or more) CASH TIPS helps with tax evasion What ever floats your boat... Tips aren't income one can count on, they are personal and should not be subject to income taxes IMO. I'm not tipping Big Brother if I can avoid it, they get plenty out of me. If I tip on a card I throw in a few more bucks for tax purposes. Disclosure - I have worked for min. wage + tips in the past, so I'm biased.
  10. One restaurant I went to had a clipboard that had TIPS listed on it I assume it was for each credit card TIP or Somebody has a $20.00 bill and CAN'T wait for the very busy waitress...SO they stop at the register to pay and tell the cashier to give the change to the waiter/waitress They can also go through all the credit card receipts (EACH RECEIPT HAS A WAITER/WAITRESS ID NAME/NUMBER ON IT) I try to tip in cash whenever possible. It's none of Uncle Sam's business if I give a waitress a few bucks. IMO
  11. What's the difference? I've been using the original with OO with no problem. Or am I missing something? Nyrfann's update has more features like - months since last CLI, average age, preferred util and payment needed to get there. The date formulas are different between Excel and OO, that's all I changed. Highly recommend the update.
  12. You must be confusing Universal Default with ratejacking. Universal Default is when they increase your rate to the default level or take other AA (Adverse Action) after you have had derogatory information appear on a credit report. Ratejacking is when your rate is raised as a "business decision". Wamu may claim to not do the former any more, but they definitely do the latter. I'll vouch for that, they jacked my ESPN card to 23% or 24% for no reason. I'll make one purchase every few months. It was one of my favorite cards and saw heavy use. My platinum is still under 10%. Neither card will ever see a balance.
  13. I really think you need to get yourself a thumbdrive, they're pretty darn cheap and hella easier than burning stuff to a cd.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines