centex Posted August 11, 2022 Share Posted August 11, 2022 8 minutes ago, parrothead1 said: So these things hegemony is posting are actual people and actual loans? Holy! Yes...people openly being proud of their fiscal malfeasance and demonstrating how little they know of fundamental economic realities... Quote Link to comment Share on other sites More sharing options...
parrothead1 Posted August 11, 2022 Share Posted August 11, 2022 Just now, centex said: Yes...people openly being proud of their fiscal malfeasance and demonstrating how little they know of fundamental economic realities... Or how little they know of basic math. Quote Link to comment Share on other sites More sharing options...
TheVig Posted August 14, 2022 Share Posted August 14, 2022 Gets the Disney card, without evidence of research and overall understanding Quote Link to comment Share on other sites More sharing options...
RehabbingANDBlabbing Posted August 14, 2022 Share Posted August 14, 2022 2 hours ago, TheVig said: Gets the Disney card, without evidence of research and overall understanding They lost me at "we regularly spend $1k or more on souvenirs"...... hegemony, centex, mattbta and 2 others 5 Quote Link to comment Share on other sites More sharing options...
mattbta Posted August 19, 2022 Share Posted August 19, 2022 On 8/14/2022 at 5:03 AM, RehabbingANDBlabbing said: They lost me at "we regularly spend $1k or more on souvenirs"...... "soiveniers" centex 1 Quote Link to comment Share on other sites More sharing options...
TheVig Posted August 19, 2022 Share Posted August 19, 2022 App Spree Approval and Denials Approved for Big Lots! But not sure why he applied. centex 1 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted August 19, 2022 Share Posted August 19, 2022 1 hour ago, TheVig said: App Spree Approval and Denials Approved for Big Lots! But not sure why he applied. Whoopie, I could use either my Chase debit card or Chase credit card and and earn 10 points cash back if I select that category. centex and hegemony 1 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted August 29, 2022 Share Posted August 29, 2022 real baller here... good luck when that thing needs maintenance... and 7 year loan on a 15 year old car????? APPROVING BANK: Granite Credit Union (Utah) BUREAU PULLED: Experian CREDIT SCORE: 701 SOFT PULL/HARD PULL: Hard CUSTOMER STATE OF RESIDENCE: Utah NEW/USED: Used YEAR OF VEHICLE: 2008 MAKE: Porsche MODEL: 911 MILEAGE: 150000 FINANCE/LEASE: Fin PURCHASE PRICE: 38,000 AMOUNT OF LOAN: 24,800 TERM CONTRACTED: 84 mo APR/LEASE RATE: 4.74 MONTHLY PAYMENT: 348 ANNUAL INCOME: 75000 DEBT TO INCOME RATIO: 15% MISCELLANEOUS COMMENTARY: They also called and offered a $5,000 SL Visa card as part of the loan asked for $10,000 and was approved! Used the same credit pull. scott31337, Allkindabroke and Big Bear 1 2 Quote Link to comment Share on other sites More sharing options...
hegemony Posted August 29, 2022 Share Posted August 29, 2022 what does it smell like under water? and 6 years to pay off an 8 year old car... SMFH APPROVING BANK: 1st Liberty FCU BUREAU PULLED: TU CREDIT SCORE: 731 SOFT PULL/HARD PULL: Hard CUSTOMER STATE OF RESIDENCE: Montana NEW/USED: USED YEAR OF VEHICLE: 2015 MAKE: Lexus MODEL: RC 350 F Sport MILEAGE: 39000 FINANCE/LEASE: REFINANCE PURCHASE PRICE: $27.5K PAYOFF AMOUNT OF LOAN: $39K TERM CONTRACTED: 72 MOS APR/LEASE RATE: 3.79% MONTHLY PAYMENT: $613.50 ANNUAL INCOME: Over 100K DEBT TO INCOME RATIO: Low, only an auto loan MISCELLANEOUS COMMENTARY: Qualified for their best rate at 3.54% for 60 months but going an extra year added .25% to the loan. They pay up to clean retail, which is ridiculous but an extra $12k cash at 3.79% with GAP and no pre payment penalties, it's too good of a rate to not take advantage IMO. centex and scott31337 1 1 Quote Link to comment Share on other sites More sharing options...
centex Posted August 29, 2022 Share Posted August 29, 2022 16 minutes ago, hegemony said: real baller here... good luck when that thing needs maintenance... and 7 year loan on a 15 year old car????? APPROVING BANK: Granite Credit Union (Utah) BUREAU PULLED: Experian CREDIT SCORE: 701 SOFT PULL/HARD PULL: Hard CUSTOMER STATE OF RESIDENCE: Utah NEW/USED: Used YEAR OF VEHICLE: 2008 MAKE: Porsche MODEL: 911 MILEAGE: 150000 FINANCE/LEASE: Fin PURCHASE PRICE: 38,000 AMOUNT OF LOAN: 24,800 TERM CONTRACTED: 84 mo APR/LEASE RATE: 4.74 MONTHLY PAYMENT: 348 ANNUAL INCOME: 75000 DEBT TO INCOME RATIO: 15% MISCELLANEOUS COMMENTARY: They also called and offered a $5,000 SL Visa card as part of the loan asked for $10,000 and was approved! Used the same credit pull. Financing less than $25K and he dragged it out seven effing years at THAT APR? He cannot afford it. And if that mileage is correct, it is reaching the point of having a LOT of service made of Expensive-to-Replaceium. hegemony and Big Bear 1 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted August 30, 2022 Share Posted August 30, 2022 1 hour ago, centex said: Financing less than $25K and he dragged it out seven effing years at THAT APR? He cannot afford it. And if that mileage is correct, it is reaching the point of having a LOT of service made of Expensive-to-Replaceium. I can see it being okay to pay cash and drive that thing into the ground having fun... but financing something that is probably 5k for a clutch make no sense unless you are at myfico forums. Big Bear, centex and scott31337 1 2 Quote Link to comment Share on other sites More sharing options...
centex Posted August 30, 2022 Share Posted August 30, 2022 14 hours ago, hegemony said: I can see it being okay to pay cash and drive that thing into the ground having fun... but financing something that is probably 5k for a clutch make no sense unless you are at myfico forums. Intermediate shaft bearing will be their wake-up call...and even the timing chain kit will probably be $1500 JUST FOR THE PARTS. Agree on paying cash and having fun. hegemony 1 Quote Link to comment Share on other sites More sharing options...
TheVig Posted September 5, 2022 Share Posted September 5, 2022 Disgusted with Amex These crazy fooks and their OCD concerning APR. hegemony 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted September 5, 2022 Share Posted September 5, 2022 29 minutes ago, TheVig said: Disgusted with Amex These crazy fooks and their OCD concerning APR. FWIW, I have no idea what my amex APR are... I do pay attention to my Amex APY which is currently paying me thousands of dollars a month. centex, TheVig and StantheMan 3 Quote Link to comment Share on other sites More sharing options...
hegemony Posted September 8, 2022 Share Posted September 8, 2022 you think you hate it now, just wait until you drive it! APPROVING BANK: Chrysler Credit BUREAU PULLED: Experian CREDIT SCORE: 645 SOFT PULL/HARD PULL: Hard, maybe? I really can't tell yet. CUSTOMER STATE OF RESIDENCE: CA NEW/USED: New YEAR OF VEHICLE: 2022 MAKE: Ram MODEL: 1500 Laramie Eco-Diesel MILEAGE: 20 FINANCE/LEASE: Finance PURCHASE PRICE: $62k +/- AMOUNT OF LOAN: $59k TERM CONTRACTED: 72 APR/LEASE RATE: 2.9 MONTHLY PAYMENT: $913 ANNUAL INCOME: $196000 DEBT TO INCOME RATIO: 35% MISCELLANEOUS COMMENTARY: Had no intention of buying it, but the numbers just made sense. Kind of shocked at the tier 1 rate, but income got it over the top. centex and scott31337 1 1 Quote Link to comment Share on other sites More sharing options...
TheVig Posted September 8, 2022 Share Posted September 8, 2022 1 hour ago, hegemony said: you think you hate it now, just wait until you drive it! APPROVING BANK: Chrysler Credit BUREAU PULLED: Experian CREDIT SCORE: 645 SOFT PULL/HARD PULL: Hard, maybe? I really can't tell yet. CUSTOMER STATE OF RESIDENCE: CA NEW/USED: New YEAR OF VEHICLE: 2022 MAKE: Ram MODEL: 1500 Laramie Eco-Diesel MILEAGE: 20 FINANCE/LEASE: Finance PURCHASE PRICE: $62k +/- AMOUNT OF LOAN: $59k TERM CONTRACTED: 72 APR/LEASE RATE: 2.9 MONTHLY PAYMENT: $913 ANNUAL INCOME: $196000 DEBT TO INCOME RATIO: 35% MISCELLANEOUS COMMENTARY: Had no intention of buying it, but the numbers just made sense. Kind of shocked at the tier 1 rate, but income got it over the top. The numbers made perfect sense.........to the finance manager too. hegemony, scott31337 and centex 3 Quote Link to comment Share on other sites More sharing options...
hegemony Posted September 9, 2022 Share Posted September 9, 2022 I'm torn on this one... on the one hand, it is a lower rate and a lower term for the auto loan but on the other hand if you;re a consumer shouldn't expect more than .05% lower if you are agreeing to a shorter term? I mean, I bet the dealer could have done even better on a 48 month note. SMFH Quote 84 months at 3.99%, going to wait amount a month (payoff 1-2 credit cards) and try again to get a better rate/lower months. Quote Update: Got a better deal from the dealer 3.95% @ 72 months scott31337 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted September 15, 2022 Share Posted September 15, 2022 Quote I have Amex cards for many years...I disputed many transactions at least 200 times, and trust me all disputes were resolved within a few hours in my favor, and all those disputes were over $100...highest one was for $700...Same thing with Chase...disputed at least 40 times in 9 yrs...all disputes were over $100, and highest one was $3k.....Same thing with Discover in 11 yrs...highest dispute was $900......and BOA denied me for $32 and even thought I never filed any dispute with them in 3 yrs???? at least most of the MFF posters see the OP for what s/he is... StarkRaven$ and mattbta 1 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted September 21, 2022 Share Posted September 21, 2022 Quote Amex Hilton Honors Surpass Shady Approval I was approved for the Hilton Honors Surpass card with $4000 SL. As if the starting limit wasn't insulting enough, they immediately reduced my current BCP card limit from $41,600 to $37,600. They reallocated part of my BCP CL to the Honors card that has an AF of $95. I kind of feel robbed and cheated. I was also surprised the approval was a HP - it took 6 points out of my credit score. TheVig and scott31337 2 Quote Link to comment Share on other sites More sharing options...
StarkRaven$ Posted September 26, 2022 Share Posted September 26, 2022 On 9/14/2022 at 8:51 PM, hegemony said: at least most of the MFF posters see the OP for what s/he is... I smell adverse action in their future. centex, hegemony, scott31337 and 1 other 1 3 Quote Link to comment Share on other sites More sharing options...
TheVig Posted October 8, 2022 Share Posted October 8, 2022 This is the type of congrats you get over there when approved for a Bread Financial product. https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bread-Financial-Cash-Back-Amex-Approved/td-p/6600862 scott31337 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted November 5, 2022 Share Posted November 5, 2022 Quote Credit One CB AMEX.... approved! 1% CB $39 AF $500 CL I don't know why I keep applying when I got over 10 CCs in the past 6 months. I think I need to join CC Anonymous. I did apply for this card 6 months ago and got denied so I guess I was thrilled when I got pre-approved and couldn't resist. Does anyone know if I don't use it, it will still help build my credit but not be charged the AF? scott31337 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted November 5, 2022 Share Posted November 5, 2022 Quote Mission Lane approval BK 7 - 1 day after 341 meeting I got an approval for $1000 from Mission Lane - 1 day post 341 meeting. Credit Karma score of 586. I did have perfect payment up until bankruptcy. Did the pre-approval first and then was invited to apply. Quote Link to comment Share on other sites More sharing options...
centex Posted November 7, 2022 Share Posted November 7, 2022 On 11/5/2022 at 11:45 AM, hegemony said: Is Mission Lane the new Fingerslut? hegemony and TheVig 2 Quote Link to comment Share on other sites More sharing options...
hegemony Posted November 7, 2022 Share Posted November 7, 2022 Quote Need auto loan PRE-BK7 DC... who? My truck is dead and unfortunately I will need an auto loan in the near future. Im a month away from Ch7 discharge. Any ideas on what lender would take me on for crappy terms (refinance later)? Will NFCU likely approve me? Are there any other avenues I should consider? scott31337 1 Quote Link to comment Share on other sites More sharing options...
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