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Posts posted by tmkats

  1. I don't know if they are playing a game, but $320/month for 72 months with $12k financed means you are paying almost 25% interest on that loan.  If you have $5,000 down you should be looking for a car that you can buy for cash to serve as reliable transportation.  They may have only been estimating or they hadn't gotten final approval which is why the down payment requirement is moving (Marv can probably answer that part better).

    Run from that deal...fast!

    Sent from my GM1915 using Tapatalk

  2. Please don’t do this

    Below are the cards I was appoved for. I looked at my credit report to see what bureaus they pulled from. I don't know what scores I had when I was apporved but all of this was done within a week. 


    Card: Target Red Card

    Pulled from: Equifax

    Credit Limit: 1,000


    Card: Amazon

    Pulled from: Transunion

    Credit Limit: 1,600


    Card: GAP Visa

    Pulled from: Transunion

    Credit Limit: 2,000


    Card: JC Penny

    Pulled from: Transunion

    Credit Limit: 500


    Card: Kohls

    Pulled from: Experian

    Credit Limit: 300


    Card: Helzberg Diamonds

    Pulled from: Equifax

    Credit Limit: 3,100


    Card: Discover it with 24.49% APR

    Pulled from: Experian and Equifax

    Credit Limit: 1,250

    I can't figure out what's worse.....the OPs approvals or the congratulatory posts afterwards.

    Sent from my GM1915 using Tapatalk

  3. from an established member

    Re: Has anyone voluntarily lowered their credit card limit?
    Yes this past weekend I lowered my Amex from 25k to 10k. And then Discover 22.5k to 11k. It wasn't for covid19. I don't really need the high limits. Navy is a good balance transfer card so I might not lower that card. I want all my cards to be 10k or 11k across the board.
    You can't fix stupid.

    Sent from my GM1915 using Tapatalk

  4. 6 hours ago, cv91915 said:



    🤷‍♂️  This morning out of curiosity I looked at the order on bestbuy.com, and from there it looks like the purchase price was adjusted TO (and not reduced by) $59.00 at the store where I picked up the laptop.




    So I just looked more carefully at the document I had the pick-up store print to confirm the $59 refund, and it appears that this is exactly what they did.  


    No idea why their POS system showed a balance of $107 due in order to process the return at the second store, but I will know actual my net cost when the purchase finally posts to my credit card in a day or two.


    It sure looks like I got this laptop for $59 + tax, though.  


    That's awesome..reminds me of the time I was looking for a laptop for one of my previous jobs and I went somewhere and the price listed was $35 for what, at the time, was a pretty decent system.  I thought it had to be a typo (turned out it was) but I went ahead and bought it anyway and it went through for the $35.  I think I got a few years out of it and it died.


    Not a bad deal for you for what you need.  Have fun with it!

  5. 38 minutes ago, cv91915 said:

    This score model is such a different animal.


    I've kept track every month since November of 2012.


    I've only hit 800+ five times, most recently in November of 2018.  





    I've given up with them.  Honestly, I don't really care.  I know it's the closest to a mortgage score as one can get but I'm not in the market for one now so meh, they can pound sand.

  6. 53 minutes ago, CTAmigo said:

    Inquiries from Car Dealerships, anyway to get them off?

    They all count as one if they were done within a short amount of time..they don't count for much against your score.


    Carry on then.


  7. I'm fairly certain that my DW only has one sister, but hell, your DW could easily be my wife's long lost sister.


    Sounds exactly like what my wife has done in the past and always uses the Scrooge and cheapskate line on me saying that she works also and blah blah blah.  


    It's soooo aggravating trying to explain why she shouldn't buy this and that and that we have other bills to pay besides her Amazon addiction (yes, it is an addiction no matter how much they refuse to accept it).


    I feel for you, I really do.  Here's to hoping that your wife comes around one day and sees the light.

  8. I'm a salamander.  DW and I went to Macy's yesterday and they were having their usual suck you in percentage off if you apply for their card.


    I applied and was approved for both the AMEX and store card.  The lady at the counter almost screwed me and hit the store card button but I stopped her in time and took the AMEXDW bought something small and I'll PIF when it comes, but I still feel dirty.



  9. Initially, I believe so.  In what we might call state one, there were folks like the revered Mr. Juggs who obtained around $150k and at least one of his disciples, yours truly, who accumulated $100k.  I believe scenarios like that prompted the first combo shutdown.
    Then there was combo part 2.  CapOne reopened combos, but imposed a limit of $50k.  I'm not sure why that was also shut down, but it's a distinct possibility that was abused, also.  
    Somewhere along the journey there was the massive CapOne credit limit meltdown.  A large number of people had their large limits chopped for not showing enough useage.  My wife's was chopped from around $50k to $15k.  Mine, thank God, remained untouched.  Why?  I'm not really sure.  I have a few theories, but will not discuss them in public.  
    Thanks for the detail. That makes sense.

    I'm glad I kind of laid low with them and kept mine at two with $28k and &15k.

    Sent from my GM1915 using Tapatalk

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