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racer7949

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  1. What?!? What are you talking about?!? It's all about me! Me! Me! Me! Me! 😁😆😍😘🤪💋💘👍👊🌈
  2. Earlier this month I was fortunate enough to be able to take care of some obligations - it's a big chunk of everything and I'm looking forward to (hoping for?) a nice score bump. Of course, my timing was horrible and all the payments came through just after the closing date, so now I have to wait an entire billing cycle to see the effects (which will be the 1st or 2nd week of October). Time is moving sloooowly... I just wish they would report when the payment was made instead of waiting the full billing cycle - that is, I wish credit reporting was in real time and not b
  3. Will Covid and Klarna Kill the Credit Card? (I was able to read the article without a subscription, there might be a soft paywall.)
  4. Have you thought about adding the word “bevy” to the selection matrix for this thread? A “bevy of perks” pops up rather frequently. However, I have not yet seen a “bevy of hefty perks.” Perhaps it’s only a matter of time. Bevy is such an odd work. Although now it can mean a collection of anything (including perks!), from the 15th century it traditionally referred specifically to a group of deer, quail, larks… or young ladies❗
  5. BNPL WSJ Link (paywall) The top takeaways: “… ability to buy things even without cash on hand—translating to higher sales for retailers.” “… spend more at Macy’s when they use [BNPL] … also helping the retailer attract younger customers.” “Merchants take no credit risk … but the fees they incur can be higher than on credit-card purchases...” “…[BNPL] companies can create self-contained payment ecosystems…” “Synchrony will launch a [BNPL] plan in October. Capital One will test out its own offering later this year…”
  6. Oh, OK, I didn't know that was happening. I only encountered them on merchant sites where there was one price for the item - the BNPL option wasn't offered until checkout where I would have otherwise used a credit card. BTW, I used my credit card for all my BNPL payments, so I got my rewards. But I can see how chargebacks, etc., could get complicated. Also, I wonder who pays the merchant fees and if they are inflated by going through the BNPL (on items that aren't already inflated in price as in the Levi's example). Anyway, experiment over. I don't plan on using them ag
  7. racer7949

    CRAs

    Exactly, I recently received my Experian report from annualcreditreport.com.. It included a very nice color cover page, a credit score, and a rather detailed credit report - with information that was new, or that I hadn't seen in a long while. The score is completely voluntary on their part, as is the color printing. It is so much improved from the old days, when you got a drab, consumer-unfriendly-formatted report.
  8. Yes, is it really people so on the financial edge that they need a payment plan to buy a sweater? Or is it just people who say, ok, if it's free, why not stretch out a few payments? (Full disclosure: I have make a few purchases (less than $100 each) using Afterpay, Klarna, and Quadpay (now Zip!) - certainly not because I needed to, but just to try them out for fun. Now they bombard me with promotional emails to buy more. When people are one and done with them, where is the business model?)
  9. I do agree, participation or interaction with Creditboards is always a positive!
  10. Yes, I finally figured out that these cards are "real" chip and pin, unlike most US cards that are chip and signature. I'll make sure to have my PIN next time I'm in Canada, because there won't be any bypassing over there.
  11. I have a three ring binder with a zipper around it so things don't fall out. I use plastic inserts that are sold to organize baseball cards, but they work great for credit cards. I keep my active use cards in my wallet, and pull from the binder for special use, making sure that it goes back in the binder. (This makes me sound soooo organized, but don't ask me about the missing Krugerrands that turned up two years later in a courier bag that I was sure I had completely cleaned out!😖)
  12. No worries, I always appreciate your thoughtful insights on these situations. I just made a major move to a new financial institution and I got 98% of what I needed, so you're right, I should be celebrating. Although it went well, there was still an endless process of applications, meetings, documents, etc. that was kind of overwhelming. I'm a little more emotional about this stuff, and my original post was really a joke, just to blow off some steam.🤡 So, yes, I'm aware I'm complaining about inconsequential drivel, but after seeing so many too-many-inquiries Creditboar
  13. We recently received new World Mastercard credit cards. I went to fuel the truck, and was surprised when it asked for a PIN. Then I noticed "PIN Bypass" had appeared on the contextual menu, so I selected it and went on as normal for a credit card transaction. My spouse encountered the same thing the next day, but became so flummoxed that a Chase credit card was used to save the day. (The PIN request didn't come up for the Chase card and hadn't with the previous credit card we used either). Does anyone know why this credit card would prompt for a PIN only at the gas pump? (Inside t
  14. When I was young credit cards were new. I remember watching my Mom buy something - they had this printed folio of almost 200 pages filled with nothing but credit card numbers in numerical order. This was the bad list, and the clerk would take your card and scan down the list and make sure you were not on it. If not, you were approved and the purchase was processed using a machine like the one pictured above. My recollection is that the bad list was updated weekly. After that, they started with the phone calls. Every single time you made a purchase, the clerk would get on the phone
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