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    Southern California

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  1. Burgerwars

    Capitalone360 Checking

    Agree. Being approved doesn't mean they won't shut down an account a few days later. It does happen. (: If your Capital One account sticks, one benefit is when you use a Capital One debit or credit card at a Capital One Cafe, drinks are half price. I've got a few $2 frappacino type drinks at their cafes in Los Angeles and Boston.
  2. Fake campaign: https://www.cnn.com/2018/11/15/us/couple-homeless-man-gofundme/index.html I hope GoFundMe refunds the $400,000 to everyone who donated to this nonsense.
  3. Burgerwars

    Chase Starbucks Rewards™ Visa® Prepaid Card...LOL

    I got one for the heck of it. It can't be used at an ATM, but there are a few good things about it: No fees. Also, it automatically appears when I login to my other Chase accounts and credit cards. It's as easy to reload as making a transfer from your checking or savings account. Obviously the benefits are minimal, but if you want a Visa card with a Starbucks logo on it without applying for a credit card, just get this.
  4. CBC video: https://www.youtube.com/watch?v=qR8hXWe68sc
  5. Burgerwars

    USAA Credit Union

    Link on joining: https://www.usaa.com/join/start/ USAA is a savings bank, not a credit union. Years ago they had a non-service member way of joining (a limited/open membership) but that ended in August 2013. That's the way I joined. I got in just in the nick of time. A few weeks later they changed things with no warning. I have a checking, savings and credit card, which is basically all I want. I'm not eligible for most insurance products.
  6. Burgerwars

    Passbook Savings Offer

    CIT also owns OneWest Bank, which is a bank in Southern California with about 70 branches. They're not really unknown. I keep a large chunk of my free cash in the SWVXX money fund in my Schwab brokerage account. Its current yield is 2.08% and has been creeping up. I don't lose sleep over it. If I need funds from it, I can sell shares on any business day and then transfer that to my bank account on the next day.
  7. So far, so good. There's not much difference between E*Trade, TDAmeritrade, Schwab, etc. Actually, where I do most all my brokerage stuff is with Schwab, but since there's no harm in keeping this account open, I'll keep it. I ordered their debit card. Their website says it was mailed, so it should be coming soon. My account has quite a history. I opened it when Sharebuilder was a separate company. ING Direct then bought them and my account went there. A few years later ING sold their U.S. operation to Capital One (bank accounts and brokerage accounts), so my account went there. Capital One decides they don't want the brokerage accounts, so they sell them to E*Trade. I wonder where will be my next stop.
  8. Burgerwars

    Party time at Taco Bell

    Well, they called it food. It was free to employees then, as a "benefit." The pay stank, but I remember one assistant manager who worked there briefly who just bought a condo. To help balance the budget, he told me he ate the free Taco Bell for two-thirds of his nourishment (lunch and dinner). I'm unsure if he's still alive.
  9. Burgerwars

    Party time at Taco Bell

    Right. After one eats one of their tacos and a burrito supreme, you can't wait..... to use the toilet. My first job was at a corporate owned Taco Bell in the San Fernando Valley. I worked at the joint for 1 1/2 years. I have some stories to tell. The food was free for employees on duty. I got sick of the stuff.
  10. When I look at my Chex, it's just inquiry stuff. Not much else, but I haven't checked in a while. I can get another free annual report early next year. EWS is another story. It's full of banking history on me.
  11. Burgerwars

    I Just Noticed That 14 of My Cards Have Balances

    My FICO dips when my cards have no activity. It then goes up when I have activity and small balances report. I'm talking only a few points up or down, so it's nothing I really care about.
  12. The premier card for a $85 AF? You have my permission to close that unless you can PC to their free preferred card.
  13. Just shower me with Reese's peanut butter cups. Never let a bank card die that you pay no fee for. Keep buying a pencil and immediately pay it off, to keep them active.
  14. Burgerwars

    PenFed merger in December

    Which credit union is this? A number of credit unions have merged with PenFed over the years, making them "more bigger." I don't think it will be a negative for you. Whatever savings, checking, credit card products, etc., you have will most likely be converted into a similar product at PenDer.
  15. A renewal should be coming before the end of the month, or I'll call to ask what's up. I don't think I've ever used it at a place that can read the chip (all U.S. purchases). Today I used it at a kiosk at McDonald's to buy breakfast. I swiped the card first, thinking the chip hasn't worked here before. The screen then asks for me to insert the chip instead. That was a surprise. I then insert the card in the chip reader and then the reader tells me the chip isn't accepted and I need to swipe again. I then swipe for a second time, it asks for my PIN (six digits) and finally my Egg McMuffin meal goes through. The card you must apply for in person at an ICBC US branch. Next month I'll be in San Francisco again. I opened a checking account there at their Chinatown branch. The card, though, I applied for online, during a brief period that you could do that.

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