hegemony

SMH APPROVING BANK: Bethpage FCU BUREAU PULLED: Experian CREDIT SCORE: 737 SOFT PULL/HARD PULL: Hard Pull CUSTOMER STATE OF RESIDENCE: Georgia NEW/USED: New YEAR OF VEHICLE: 2019 MAKE: Ford MODEL: F150 XLT Sport 4x4 MILEAGE: 181 FINANCE/LEASE: Finance PURCHASE PRICE: 46,500 AMOUNT OF LOAN: 43,500 TERM CONTRACTED: 96 APR/LEASE RATE: 4.34 MONTHLY PAYMENT: 541 ANNUAL INCOME: 60,000 DEBT TO INCOME RATIO: 22%

YMMV... I haven't been approved for a new card as there are no new cards that interest me. A lot of people seem to be working on CLI instead.

unless it is a matter of paying off a few very small balances, paying highest APR is the smart way to go and feelings be damned.

IDK I haven't used mine in almost a year. thanks for the reminder to cloae them.

congrats!!!!

https://www.marketwatch.com/story/why-its-time-to-cut-millennials-some-slack-for-being-financially-dependent-on-their-parents-2019-07-16?mod=personal-finance no comment

the 4% rule is stupid and designed to line to pockets of financial services firms. It also reinforces the idea people need to leave a "legacy" for brats that should learn their own way in the world instead of waiting for mom and dad to die.

FWIW, barclayscard has given the same type of choice to most of its VP and up back office folks in Vegas... move to a new state or get laid off at the end of 2019...

can you offer more details on the type of debt and how old it is?

https://www.usatoday.com/story/money/2019/07/17/what-wealthy-its-not-necessarily-becoming-millionaire/1744408001/

same

cleaner >= older

today's hsbc doesn't even have records of the sold accounts... in fact most of the nut-counting numbers crunchers from back then have moved on to barclayscard and elsewhere. the only hsbc card that interests me is premier WEMC but I'm too lazy to open a premier account. congrats!

good news except for the wealth effect that may encourage overspending https://www.bloomberg.com/news/articles/2019-07-17/close-to-40-of-u-s-homes-are-free-and-clear-of-a-mortgage?srnd=premium

I pay everything I can on a credit card. the only bills not included in this due to inability to directly pay with a card are gas and electrics. I even pay my pr0perty taxes once a year with a card. the county's system only accepts credit over the phone (auto system not a live person so not as good of customer service as subprime discovery).

anyone have a current link for US Skank prequal? ETA: the crap1 link also seems to crap out

all I do is show up at my CPA's and sign the form giving her permission to file and roll any overpayment into next year's tax liability.

there are people who probably should never be around credit cards, meth, or corn liquor due to impulse control issues and low IQ. for the other 99% the only way to learn about credit is to become a smart user of credit.

http://www.thesmokinggun.com/documents/revolting/florida-dismemberment-275903

this makes me chuckle every time I read it...

https://www.ksnt.com/news/police-all-banks-in-wamego-affected-by-string-of-identity-theft-fraud/

https://www.staradvertiser.com/2019/07/17/hawaii-news/4-charged-in-zippys-customer-credit-card-data-theft/ 4 charged in Zippy’s customer credit card data theft (pay wall)

https://www.cnbc.com/2019/07/17/how-to-pay-off-20000-in-debt-in-one-year.html

https://www.forbes.com/best-in-state-credit-unions/#2fa5c5886167