That's pretty understandable. It's like if you offer a price for something you want to buy in a situation where one could haggle, like a flea market, and the seller just immediately accepts. You can't help but wonder if you could have offered less. ... View more

@Anonymous wrote: Op I scanned all the posts so forgive me if you've already answered this but do you need your Slate? I'm asking becasue I had a CSP with the AF due next month. I decided to merge it with my freedom. It ook all of 2 minutes with no HP. I don't *need* the Slate but both cards are pretty old, I think combining them would be bad for my AAoA. ... View more

@Anonymous wrote: @KingAdrock wrote: I'm hoping to get a CLI on it, preferably without an HP... They can't access your credit files (HP) without your consent.  I know that, I was asking what are the odds of a CLI with a soft pull. Seems with Chase those are still about as common as unicorns. ... View more

@Anonymous wrote: That's not how Chase works. Don't be afraid to ask for CLI if you need one. It'll be a hard pull though. I'd try to ask for 15k from your current limit.  I'm really hoping to NOT get a hard pull. While Chase is notorious for always hard pulling, there've been some folks reporting getting CLI's with a soft. I've had this card for over 9 years, and it's stagnated while my other main cards have gone through the roof. Will telling that story really not matter, even calling a backdoor? ... View more

Back on the topic of Capitol One pics, they're pretty strict; even confusing at times. My card is a pic I took in New Orleans, a sign that says "Bourbon St" that's covered in Mardi Gras beads. I sent that in and it was approved. Fast forward a few years later: I wanted to crop the same photo differently, sent it in and got denied. Grounds of no pictures that "glorify drug or alcohol abuse". Huh? So I asked for another card with the original pic and they sent it to me, no problem. Go ahead and try sending in the pic you want. Worst thing they'll do is simply say no. ... View more

First off, good on you for starting your daughter on the right track. As far as more cards, you want to get your daughter cards that will grow with her. Cap 1 is good for getting credit when you don't have any, but don't expect that card to go places. It's a starter credit card and it likely always will be; getting Cap 1 to do a product change on a card is like pulling teeth.  BofA however is notorious for growing with you. Even if you can only get a secured card with them, with proper care that card can quickly become unsecured, and later upgraded to a higer tier card.   Where do you and/or your daughter bank? That's often a good place to start. ... View more

I've customized my card with Cap One. I used a picture I took during a vacation in New Orleans, it's of a sign that says "Bourbon St" covered in marti gras beads. It looks great. Fast forward few years later and my card got a bit worn, I figured I'd replace it and maybe crop the picture slightyly differently. So I send in the exact same picture, but get denied. Reason given is an overly broad comment that pictures can't "glorify drug or alcohol use". Huh? But then when I just asked for a replacement card, they sent me the same one,with the same picture. So I guess YMMV? ... View more

Army of Darkness.   This... is my BOOMSTICK!!! ... View more

@starry1 wrote: If the service is bad I tip 15% on the nose and make a point of telling a hostess or manager why I didn't tip more. If the service is good or better, I'll tip anywhere from 20-40%. If its excellent and I bond a bit with my server, I've occasionally been known to tip up to 100% I waited tables in high school and college and I know how it is. If the service is bad, why tip at all? You realize you're tipping the amount most people consider the standard for average service, right? ... View more

Ok, so I'd like to go through the EO on this, how do I do that? ... View more

Well, I got my response: Nope.   The current credit line for this type of account makes the account ineligible for a credit line increase upon request Whodawhat?  I guess this means my CL is at the cap? This account has not had at least 3 monthly payments made over the last year Of course, that's because it's in the sockdrawer, dummy. I've had store cards with a higher CLs.   Your Credit Score: 793 Date: 2013-05-28 That's so close to 800 it makes my eye twitch in irritation. (I want to be in the 800 club really bad) ... View more

Just hit the luv button and got the 10 day message. I hope they spend some actual time thinking about whether to give me a CLI, even a small one, considering all my FICOs are 770+ and I make waay more money than when I opened my account or any time I've told them my income since.   That stupid card's been sitting at the same limit for about 6-7 years now. I think I deserve some luv now Cap 1.  ... View more

@Anonymous wrote: Some people just refuse to tip, period.   I do tip for what I feel the service was worth, not just the cost of the food.   I am not cheap but at the same time, what if the service was horrible?  I do personally believe that tipping for bad service encourages bad service. But if the service is actually really bad, you should talk about it with the manager. If you only leave no tip the server may just assume you're cheap.  ... View more

@Odiseous wrote: @Anonymous wrote: how did they get your card? or is this one of those new high tech thingies that i know nothing about lol     I work in a field that deals with this type of sitation *all* day, *every* day. So, I know there is more than 1 way to skin a cat.   - I use this card in exactly 1 place (my local supermarket), and only swipe it personally. - It never leaves my hand/wallet. - I live alone, so noone to grab it from my wallet w/o my knowledge, whle sleeping. - I make sure that my cards do NOT have a RFID chip. - Even if it did: my wallet has RFID signal blocking built in to it (yes, I'm a bit paranoid about this).   So does mine. I don't feel it's "tin foil hat" at all.  ... View more

@Anonymous wrote: @oscar_actuary wrote: @KingAdrock wrote: People who sit in the left lane on the freeway and won't move over for anything. Yes. I actually argue with my wife on this because I'm an extreme proponent of "You stay in the right lane unless you are passing a car"  That means, no joining a long line in the left to get around the slow car a mile head.  Stay over on the right, until you get to that car.  If only everyone would do this.   I have a pet peeve for overly picky grammar and spelling police.  In WA state you get a ticket for traveling in the left lane for too long.  There are a couple states like that, and I have to say driving through them is heaven. ... View more

@knoregs wrote: Or worse, no lights at dusk/dawn. $10 says that if asked the person driving with no lights will respond "I can see just fine".   Well.... I'm sure you can.   ~kn   Agreed. The whole point of low beam headlights is so others can see YOU. ... View more

People who talk in the theater. People who use words they can't define. People who wait in line, get to the front, and *then* think about what they want to order. People who take forever in a store by writing a check. People who don't use turn signals. People who drive with their high beams. People who drive with just their parking lights. (illegal in most states including mine) People who slow to a crawl in a crowded parking lot to follow someone walking with their keys. People who merge onto the freeway at half the speed of traffic. Or even less. People who sit in the left lane on the freeway and won't move over for anything. People who dump their shopping carts wherever in the parking lot. People who think car alarms do anything other than annoy everyone in earshot.   I could go on. Forever.   Maybe I'm just a misanthrope.  ... View more

  @Open123 wrote: During this movie, there was a scene where Jack Reacher was explaining the reason why he deduced a woman was having an affair because she lied about buying watch with cash to keep it secret from her husband.  He surmised that since the woman's anniversary was only a few days away, there was no reason to use cash since the credit card statement wouldn't arrive in time to ruin the surprise for her husband.  That would make perfect sense say, 20 years ago. Not so much since the interwebs. ... View more

Bad customer service from USAA? That's a bit surprising to hear. ... View more

Personally if they offered to waive the AF I'd have accepted that and sockdrawed it for another year. But if you wanted to close there's nothing wrong with that. ... View more

@Anonymous wrote: I think he's referring to this   Multi Browser Method I don't mean to threadjack, but this article sounds like a bunch of crap. Not only do they make no mention about making sure whether or not the CCCs you're apping for pull from the same bureau, but it starts with this *headdesk* worthy tidbit:     "Open up Internet Explorer, Mozilla Firefox, and Google Chrome all in private mode.  I use private mode and different browsers to ensure the credit bureaus don’t see my other inquiries."    No. Just... NO. That is NOT how private browsing works. ... View more

@Anonymous wrote: @KingAdrock wrote: Wait, let me get this straight: everyone is talking about whether or not to close a card because you don't want to use and maintain it, because if you don't use and maintain the card they'll close it?   Am I the only one who thinks closing your card so they don't close your card... is completely absurd?  Close, except for the fact that no-one is saying that!   The discussion is: should I close the card?   Several people say "No, always keep cards open"  To keep it open, you may need to buy things on it every now and then.  If you don't, it might get closed.   So my points were: a) Should you really care if the card is closed (by you or them) and b) If you should care, what is the cost of keeping it open vs benefit.  "Account closed by grantor" doesn't look as good as if it's closed by you, however that only matters for a manual review by a living person. But even then it's not a big deal. With the kind of AA CCCs have been throwing around in the last few years, underwriters see that every day. If you get turned down for that reason, I'd say you were on thin ice to begin with and it was simply the final straw that broke the camel's back.   Personally I see little benefit to closing a card ever, unless it has an AF. While you do need to buy something once in a while to keep it active you don't have to be all that meticulous about it. People tend to recommend every 3-4 months, but that's really if you want to totally guarantee it won't be closed. ... View more

Wait, let me get this straight: everyone is talking about whether or not to close a card because you don't want to use and maintain it, because if you don't use and maintain the card they'll close it?   Am I the only one who thinks closing your card so they don't close your card... is completely absurd?  ... View more

@IOBA wrote: I am just kicking myself for giving into the temptation to borrow the 20k (cost me 200).   And I immediately recognized that the money attitude had shifted with the family members and I just put an end to it.   I would rather eat top ramen and rice than be in debt.  Although...it would have been nice to have had the MUCH needed the repair work done (estimated cost is 20k).   It will just have to wait.   This is an excellent attititude to hold. +1 ... View more

@isoldmyatlas wrote: Congrats! Do you know if it was a soft or hard pull? Discover is pretty clear whether it's a hard or soft pull. Should be a soft. ... View more

@cashnocredit wrote: Take your date to Denny's then (try to) pay with a $25 coin.   You can actually buy a legal $25 US coin from the government mint but it will cost around $600. They are made of platinum, weigh about 1/4 oz, are roughly the same color and size as a quarter. Even though it is clearly, but in a tiny font, marked $25 US, in all likelihood the waiter will think you are trying to pull some sort of fast one so be prepared with regular cash or CC with a little extra tip for the hassle.  Guaranteed to make an impression on your date.   Though not, perhaps, the one you might want.     Nobody is going to settle a $25 debt with a $600 piece of platinum. That (somewhat annoyingly) is the point of the coins. It's the metal that's valuble, not the nominal face value.   However, I have entertained the thought of leaving an American Silver Eagle as a tip for an fancy dinner. Imagine the server's annoyance quickly turning to surprise and joy when they realize this $1 coin is actually worth over 30 bucks. ... View more

@HenryJumbo wrote: @KingAdrock wrote: No more class actions against Paypal? Oh no! I made $8 in a class action against them once.  I'm betting that's probably more than you make in an hour   Actually that WAS about what I made at the time... however it was almost a decade ago. But honestly I just turned in the paperwork for the heck of it, with the expectation of getting a check for something like fifty cents. But low and behold, I got a "whopping" 8 dollars. ::eyeroll::   Yeah, on the whole I think class actions are a joke. ... View more