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About CTSoxFan

  • Birthday 05/04/1978

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  1. Exactly. Especially with the yield curves on treasuries acting weird, you are seeing some abnormal trends, like fixed rate mortgages having lower rates than ARMs. When the fed made the last cut the rates came down but right now they are actually higher (at my lender, others may be different) than what they were at before the cut.
  2. You’ll be hard pressed to find a 0/0 offer on an existing account. As mentioned sometimes NFCU has offers like that, provided your eligible. Your best bet is Chase Slate as that has a 0/0 for 15 months, with the benefit of being able to easily move the credit limit to a better product after the BT.
  3. I think where you are getting confused is that there is no grace period when you carry a balance, interest is accruing every day. So if you statement cut on June 26th, you are accruing interest based on the balance every day, not on the balance at the end of your next statement, even if you paid the whole balance off before the next due date. So it looks like you paid it off on July 22-24, so you still owe the interest from June 26 till July 22 on the whole balance, then Interest on a lower balance on the 23rd (after your payment) and so forth.
  4. Paying PMI is dead money. You should be trying to re-fi out of that ASAP. The savings you may get from an additional 25bps reduction may be mostly eroded by paying PMI for another year, plus you are making a bet that rates go down.
  5. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  6. I swear they just hate you. That has to be it. I made $302 in PP purchases on my Disco this month and was given the proper $15.10 cash back. Purchases were made at 3 different vendors.
  7. What it sounds like to me is they probably were able to get your approved at a few different lenders, and presented the lender which was most beneficial to them first (meaning they were able to earn the most kickback), when you balked, they came back with an option B, and then used yours when you balked again. Glad you got a loan that worked for you. You should be looking for ways to pay more than the minimum to reduce the term and total interest paid if possible.
  8. You can request a freeze on each of the reporting agencies websites if you so choose.
  9. I would venture to guess that a week you may be ok, but more than a couple you are probably looking at another pull. It likely depends on the dealer's policies as well as the lender they are working with. I doubt you will find a definitive answer absent asking the dealer.
  10. I still have the version that is 5 points/$ on gas, but as CV said the points are not worth $.01 each when redeemed for a cash equivalent (VGC). The last time I checked they were worth $.0085 each making the return 4.25% instead of 5%. Since I can get 4% on the Costco and don't have to deal with liquidating the VGC or waiting to have enough points to exchange for a GC the extra .25% isn't worth it to me.
  11. I am glad your car won't have a lean...if it weren't I would say you might have some suspension issues, a flat tire or some hefty folks sitting on one side of the car.
  12. Another reason why they need to just legalize pot in all 50 and be done with it.
  13. You can buy online, you know. By the way, I much prefer savory spice to Pensey's. Much better selection (IMO) and I don't get inundated with email blasts from the owners espousing their political views, which I have no interest in.
  14. That looks worse than what I feed my pets every day. It looks like someone at the food, barfed it back up and put it in paper cups to serve to you.

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