Jump to content


  • Content count

  • Joined

  • Last visited

  1. whoozyerrdaddy

    Care Credit shutdown wife's account for non-use

    Or a six pack of PBR at Rite Aid Then you can use the card at the ED for your internal problems after drinking skunky beer,
  2. whoozyerrdaddy

    Why would anyone do this😮

    Just remember..... old truckers never die, they just get a new peterbilt.
  3. whoozyerrdaddy

    Find Out Which Bills Affect Your Credit Score

    I think anybody that can blow you in for non payment should be required to report if you DO pay on time.
  4. whoozyerrdaddy

    Accidentally tuned in to Dave Ramsey today

    And from what I've read, DR treats said employees like serfs. Not defending the guy, but I think he's gotten "best place to work for" in Nashville 8 or 10 different times. Not sure what that says about Nashville in general though. The friend I'm visiting in Palm Springs this weekend got his Ph.D. At Vanderbilt, and he doesn't have many positive things to say about Nashville... and he grew up in Weiner, Arkansas. Isn't that where Bill Clinton is from ??
  5. whoozyerrdaddy

    How Americans Plan to Spend Their Tax Refunds in 2018

    I am gonna get one of those pine tree air fresheners to hang from my rear view mirror. Hell, maybe I'll get TWO if :em !!
  6. whoozyerrdaddy

    41 pt jump on EQ??

    With rich Corinthian leather even! KHHHAAAAANNNNNNN !!!!!!
  7. whoozyerrdaddy

    Credit Union Memberships Are on the Rise - But Why?

    I guess That isn't much to love. I have free checking with Chase, Wells Fargo, Bank of America, Merrill Lynch, Huntington and Fidelity. I've never paid for a checking account anywhere. Ever. I have an $80,000+ credit card with Citi, $70,000 with Chase and well over $100,000 across my Amices. Among many others. I have no idea what the APRs are because it doesn't matter if you aren't carrying balances, which I would never do. Most of my cards have no foreign transaction fees, and my better cards (the ones I do not regret opening) pay competitive rewards that virtually no credit union can match. I'm not even sure the word "virtually" is necessary but I tossed it in just in case. My liquid savings is earning 1.15% at Barclays, which is 575% of the interest you would earn on the same balance at your CU. I have no car loan, but for now I have mortgages on both of our homes with rates that no credit union could touch. I shopped. Over the past 6 or 7 years I have started the mortgage process with at least four CUs of all sizes, and none of them could figure out how to manage to a deadline and get the loan closed on time. So I've never closed a mortgage with a credit union, I've only started the process. Each time I had to abandon them and go elsewhere. One of them took over two weeks to get my application - which I filled out on their web site - into their loan origination system. Another one couldn't get a HARP refi (that didn't even require an appraisal) closed in almost two months. So I went elsewhere and I was done in 13 calendar days, and ended up with a better rate and lower fees. I am not able to get the best of anything from a credit union. Credit unions are fine if you are content with mediocrity or less. I am not. I guess you and I just are content with different things. I don't need credit cards with $70 - $80,000 (or more) credit limits. I don't carry balances on my cards either. I have a couple rewards cards, so I don't use my CU credit card. It's for emergencies. I don't need six checking accounts (free or not) at six different banks. I guess I am afraid of the inconvenience of online banks, plus the fact that I have a very 70s oriented wife. Had a mortgage from hell with WF and Ocwen, but those are paid off. Foreign transaction fees don't concern me as I don't travel. I don't need a big bank with a national footprint as I don't travel. I guess what I am trying to say is that what you have works for you, and that's fine. What I have works for me, and that is fine, too.
  8. whoozyerrdaddy

    Credit Union Memberships Are on the Rise - But Why?

    I love my local CU. Totally free checking and bill pay, dividend on savings, VISA card at 8.9% with an 11,000 CL. No rewards though. Completely different feeling than when you walk into a big bank. .9% car loan, .20 savings rate. That sucks but a lot of other places have worse rates. I never travel as all family is local so I don't need a bank with branches all over . Never had a problem with them
  9. whoozyerrdaddy

    Credit Union Decision Tree for Newbies

    Bumping for the newer newbies. As opposed to the older newbie? Or maybe the newer oldie?
  10. whoozyerrdaddy


    Applied for Citi Double Cash .... instant approval CL $5800. First Citi account of any kind in my life.
  11. whoozyerrdaddy

    Credit Karma Free Tax

    Actually, I lead a dull life too.... I was looking forward to the two fingers.
  12. whoozyerrdaddy

    It's Friday! Lurkers check in!

    Let's see ... I have 12 posts in 8 and a half years. Guess that would be the definition of a lurker. Edit: now it's thirteen.
  13. whoozyerrdaddy

    Discover - What is your Credit Limit

    Embarrassed to post this after a 61,000 CL card, but DW applied and was instantly approved for 2800. Oh, and she doesn't even have any income. How long till she can ask for an increase ??
  14. ...that's like scheduling back-to-back prostate exams. ....with a colonoscopy in between

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Important Information