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  1. Does Discover have a process /application to add a co-owner to the existing Discover account? She might get more benefit from a FICO standpoint if she can be added as an owner to an account that already has history, and then keep the account after her husband passes.
  2. Are taxes dischargeable in BK if the returns weren't filed as required. One could try to have the taxes owed declared "currently uncollectible" by the IRS to get out from under IRS levies.
  3. It isn't clear to me how involved VISA was in the Costco switch to Citi. Citi also issues Mastercard products.
  4. I googled the title of the article and was able to read it. Sounds like a close approximation to a money tree.
  5. 90K outstanding loan + 40K new loan. I think I'll hang onto the one I have that is paid off.
  6. From what I read, if Synch decides to sell the portfolio, Cap1 will ultimately offer (or has offered) a price to take over the portfolio that takes into account current loss ratios. If the offer falls below fair market value, WMT has to pay Synch the difference. Which may be why WMT recently sued Synch.
  7. I'm surprised Synch is still issuing Walmart Mastercards as they will be out of the picture in 6 or 7 months. Unless they are planning to re-issue generic Mastercards once the Walmart connection is severed.
  8. This wasn't an offer to convert the Sears Mastercard. Citi decided to upgrade my mother's regular Sears card to a Sear MC about 6 months ago. She has been getting offers since the upgrade every quarter, but the 10% gas/groceries/restaurant is pretty lucrative I think, as long as it lasts. Eventually, Citi will move those cards to something not as bountiful.
  9. Old thread, but my mother has the Sears MC (recently converted by Citi) and they offered 10% back on gas, goceries and restaurants for 2018 Q4 and have now extended that offer for 2019 Q1. That's a pretty nice payout if you have that card.
  10. Don't foget the cross collateralization not uncommon with credit unions. Make sure they'll give you the title to the car eventually.
  11. Article seems to suggest that increases in the number of co-branded Walmart cards coincided with the increase in loan losses.
  12. I don't consider myself a devotee, but there are some things I get at WMT that my local TGT stopped carrying (mostly toiletry type stuff).
  13. https://www.marketwatch.com/story/walmart-sues-its-former-credit-card-issuer-synchrony-financial-2018-11-01

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