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Everything posted by haydeno

  1. I haven't encountered issues income being the limiting factor until the limit with that issuer was between 25-40% or so. If you have high dti that could be a factor but otherwise on 60k income I would likely ask for 10-20k and see what they come back with. Getting a 2nd\3rd cards and combining them was how I increased my limits quickly.
  2. I refi to nfcu and paid off after 3 months when I got $200 bonus (sometimes 250-300) depends if bonus is worth the new acct to you Sent from my Redmi Note 5 using Tapatalk
  3. I think nfcu does this for a 2% spread, if not eligible check with local cu Sent from my Redmi Note 5 using Tapatalk
  4. Are accounts past due ? Typically minimums are around 3% even with high apr (1% + finance charges) which would be closer to 150vs 350. Your creditors may offer hardship plans to pay off accounts and close them with reduced rates over 3-5 years which likely would be less than the 250 you can afford Sent from my Redmi Note 5 using Tapatalk
  5. If she doesnt have an installment might be worthwhile. I wrote one a while back for $1500 (minimum for 36 months) then immediately paid back $1480 (penfed will cancel balances of less ~$10 ime) when it showed up online next payment due 2020.
  6. Wouldn't the tax on the loss of mma interest offset much of the sub taxes although still not as good as non taxed cc sub Sent from my Redmi 5 Plus using Tapatalk
  7. Their last product (direct deposit advance) was 10% until your next payday up to a month so i guess this is half price...
  8. Unless landlord reports to credit for some reason , you do a change of address or start receiving mail there it prob won't show up. Have you tried being a guarantor instead of lease? Maybe a small landlord would be willing to lease to him with extra security deposit. I would rather lend someone some money to use as additional deposit and know my downside then be responsible for unknown/ unlimited liability . Sent from my Redmi 5 Plus using Tapatalk
  9. Maybe if your income is significant but wouldn't be surprised if they gave you a small limit if they approve you.
  10. If you can get ltv lower that can help negate lower scores. Eg Penfed refi relative at advertised rate at 80%ltv with low 600 multiple u paid co recentish collection after declining a few days before for 90% ltv refi Sent from my Redmi 5 Plus using Tapatalk
  11. I used roadside to do a ~25 mile tow with my amex platinum cost was as expected ~$45. Tow driver didnt ask me for any proof\ ID although telephone operator needed full card details I dont recall them asking for ssn\dob to verify.
  12. 50/100k front rear or so average for our vehicles Sent from my Nexus 6P using Tapatalk
  13. I would never change rotors without pads as old pads which are oddly worn or contaminated might damage rotors and pads usually cost 1/4 as much as rotors. If you are handy prob only run you 150-200 in parts and a afternoon as pretty simple procedure. Often a few hard stops can remove surface rust from rotors if they are otherwise ok condition Sent from my Nexus 6P using Tapatalk
  14. Try secured from a local CU, once you have some revolving history (6-12 months) decent shot can get unsecured cap1
  15. IME review at or above 7500, just call and should be fine. Next time make 2 BT under 7500 if you dont want to call
  16. My aunt settled a similar age and amount discover card for 30% directly through discover in response to a 50% letter they sent and while they didnt remove the trade entirely they removed all of the charge off history with no date and charge off now shows was 120-149 days late instead which might have been slightly better. Shows the 30,60,90,120 then no data vs 30,60,90,120,150,CO,CO,CO,CO,CO,CO,CO,CO,CO...
  17. If your collections are older there is decent chance capital one would give you an unsecured card. Otherwise a 2nd or 3rd secured card would be good.
  18. Discover might approve possibly their counter offer product 22.9% apr but doesnt matter if you pif, I think amex required 660 fico, chase is questionable might want to wait for scores to increase a bit as well
  19. I guess even is better way to put it now letters seem to be right shifted and cut off
  20. haydeno


    You should be able to avoid the fee by just leaving $500 in account but if you never use it might as well close it
  21. I had to remove the app from my homescreen when I saw it, cant stand to look at uneven logo. Want old square with centered writing
  22. Since NFCU recently gave you a cli you might want to ask them if they can decrease rate from max rate you currently have , might be worth seeing if they would give personal loan at lower cost than some of higher rate balance
  23. Not sure if can pc cobrand card to another type possibly to united travelbank card without fee. I was unable to PC southwest card to something other than a different sw card.
  24. Don't think you will beat 7.2% but more than few tenths of a percent on loan when you factor possible origination fees etc. +1 0% BT offer
  25. Try call/ write executive office and see if they can help given confusion. Might be willing to correct as a mistake if make payment given 99% was paid already Sent from my Nexus 6P using Tapatalk
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