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Everything posted by david_weaver

  1. In my personal experience, they will not budge. I had the same sign-up a few years back followed by an even better offer a few months later. I called, chatted online, sent emails. All politely declined. Sent from my iPhone using Tapatalk
  2. Both GM Financial and the dealership pulled EQ, which surprised me. I have a question though: In the last 6 years, I have leased or purchased 5 new vehicles. I leased a Nissan Rogue which I kept for the 3+ year term and returned it when I purchased a Buick Encore in January 2017. I purchased a Chevy Cruze, which I had for two years before trading on a Buick Enclave I kept the Enclave for the entire 3+ year term and turned it in this week to lease a new Buick Enclave. So in the last 6 years, I have nearly 12 years (typically two vehicles at a time) of perfect payment history, with expe
  3. Credit Application: Your Age? 34 Your Equifax Credit Score? 699 Your Experian Credit Score? 686 Your TransUnion Credit Score? 665 How many years have you been on file with Equifax? 15 How many years have you been on file with Experian? 15 How many years have you been on file with TransUnion? 15 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes (1-yr old loan and expiring lease) Will this open auto loan be a trade-in? Loan-No, Lease-Yes How many late pays within the last 12 months on the currently open loan? 0 How many l
  4. What FICO version does GM Financial use? Thanks!
  5. ??????https://www.thrillist.com/drink/nation/how-to-make-prison-wine-how-to-make-pruno ?????? Sent from my iPad using Tapatalk Actually, both are. The one on the left has been busted with firearms they aren't supposed to have multiple times. Snoop was convicted of felony drug possession and felony intent to sell in 1990. In 2007, he pleaded no contest to felony drug possession and possession of a firearm by a felon (also a felony). He received a three-year suspended sentence, five years' probation, 800 hours of community service (400 of which could be operating his OWN yout
  6. I don't know if you have some scheme in mind, so cannot speak to the specifics in that regard, but in the general sense yes you can. For example, the $20 rebate from Staples this week is in the form of a VGC. If I buy a $500 VGC at Kroger, I can use that $20 VGC towards the purchase. It is also handy for draining VGCs with small balances.
  7. FICO scores update immediately with any change. Depending on your file, you may actually see your TU score go down due to these removals, or stay the same. They were so old their impact was low. If you have a newer, thin file, you may have taken a big hit to AAOA. Still a huge positive, and any step back will result in larger gains going forward.
  8. Yes, after I questioned KristofsMom in the thread (and she launched a rambling, nonsensical attack in return instead of explaining), that thread died two posts later.
  9. Yes, but nobody really wanted the product, right? You paid for the trade line, and that did not happen and likely never will.
  10. This stunk like a scam from the moment it was posted, so not surprised at all how it turned out.
  11. Walmart or a grocery store.Tried using it at Walmart today and csr saw the GC and said no way. She claimed it's illegal to buy MO with GC.Good thing that's not my regular Walmart. I have lost 2 of my local Walmarts in just the past 3weeks. Good thing going for me is I have literally 10 in a 15 mile radius. I did a 499.32 M/O at one that's not my regular and had no problem. Went back 2 days later and tried 1,000 and asked to see the cards. Walmarts policy clearly states that it has to be a pin based card with the word Debit on it. It says nothing at all having to have your name on it or it tie
  12. Amen. A few years ago, DW and I were in Virginia and got lunch at Hardee's. The receipt had a line item for a "Credit Card Fee" of 75 cents. It's not that much, but it's the principle of the thing. There was no signage anywhere that mentioned the fee. Apparently, that crap is legal in VA. It's illegal in FL, fortunately. Suffice it to say we will never enter that Hardee's again, ever. I do not understand why business would break out the charge? If I buy a hamburger off the dollar menu, I am not told that 15 cents goes to labor and 25 cents to food cost and 8 cents to utilitie
  13. Mine averages 2-3 per week, so yes, easily 100-150 per year. She also gets the Citi AA (personal, she has the business) and the Citi Double Cash 2-3 per week, sometimes alternating, sometimes both the same day. I could understand if there were suddenly an increased offer they wanted to tease with, but it is the same mailer every time.
  14. I agree. What do I care if they go out of business? I want the EQ trade line.
  15. When we lived in Maine, I was stunned by how few places accepted credit cards. None of the contractors I used to rehab the house, almost none of the shops/restaurants in town, even the town (taxes, water, pool fees, sports leagues, vehicle registrations) was cash/check only. Obviously, when in Portland it was much different, as close to a big city as Mainers get. I would never pay cash or debit anymore, unless I absolutely had no choice, like a street vendor.
  16. The casino does not send him a tax form and report the winnings to the IRS?
  17. This is a joke, right? You make nearly $400K per year yet you have 30% utilization AND you had to finance a piece of jewelry? But you could put 10% ($80K cash) down on a house? Pay your credit cards down and your scores should be over 700, maybe 720 if you have a good mix of credit and your reports are clean. Then you can buy what you want with any lender you want. Of all the lenders I have used, Bank of America is the second worst, behind only US Bank. Current mortgages were from Bank of England (despite the name, they are an American bank). It is important to pay attention to whether a b
  18. In your initial post, you laid out a plan you intended to pursue. You have received advice from some people I have come to respect as experts (maybe even authorities) on credit management and risk. (No, I do not consider myself near THAT level) The thread is not 125 posts long and I cannot identify from your responses a single thing you plan to do differently based on what you have been told? Many people (myself included) have been here 5 years or more, many since the beginning in 2003. I am not exaggerating when I mention how many people start with posts like yours and a year later are in
  19. The more critical point is that you are about to undertake a MASSIVE financial gamble involving hundreds of thousands of dollars and your questions (and rebuttals to other people's comments) lead me to believe you know almost nothing about credit cards (or credit in general), banking, business management, finance, or corporate law. Worse, plenty of people responded with simple ways to protect your personal credit, protect you from any hint of criminal activity, and ensure you have access to credit going forward should this goldmine of a business tale longer than expected to start deliverin
  20. And, with all you said, if his plan gets nipped in the bud by creditors, slashing his limits before he accumulates all the cash, he will simply find an investor to pump $50K or $75K into this business? Keep in mind this business makes no money and the investor would be getting a partner that is so maxed on his credit cards he could not get a First Premier for $300 at that point. And depending on the cash trail, if OP is found to have committed fraud, they could come after the business and thus the share contributed by this generous investor as well. OP keeps going back to the interest rat
  21. Everything matters when you are just starting out. I do not know that it matters if the most recent usage was last month or nearly a year ago. That said, the ones I can identify on my report, I try to use at least once per year to keep them active.
  22. Be careful as it is worst than crack cocaine. Is it only Vanilla's that can be used at USPS? I typically buy at Kroger, so US Bank, and the only time I tried to use one at a USPS for a MO and a package I was shipping, it did not work. Only have one USPS I pass regularly, but my primary WM was out of commission for MOs for 3 days last week due to some printer issues, so it is always nice to have a work around.
  23. Same as almost every day: Citi Double Cash Back mailer; Discover mailer; offers to refinance student loans and any other debts (Prosper, Best Egg); other assorted fliers and junk mail. All that was missing was a Citi AA mailer (we both already have the business version of the card).
  24. That is like asking if it is possible to validate a donut. You are either misusing the words or you do not know what it is you are trying to ask. An LLC has officers, not authorized users. A credit card held by an LLC can have employee cards or in some cases, authorized user cards. But most would not report to personal credit, so no point anyway. So I repeat the earlier request: either post the Youtube link you refer to so people can understand what it is you are trying to do OR explain in your own words what it is you are looking to do. Otherwise, I wish you luck and will not bot
  25. FYI Almost certain my Citi Biz AA credit card is showing on D&B. Charged 15k on it a couple months ago and it showed the amount on a trade line when I look at iUpdate. But that's the only one of my many Biz cc to show there. Agreed. My Citi Biz AA shows up on my D&B. That said, either we have gotten off topic or the OP misworded his question. The OP asked about AU for an LLC. And then the conversation turned to corporate cards reporting. I do not know what the OP was trying to determine? Other than things like the Cap One Spark, there can be no reporting benefits of an AU
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