heytherehitherehothere wrote:It's depressing to think about but I'm almost positive every single person on this forum contributing actually MAKES money. PUTS AWAY money. SAVES. I am more than almost positive that not a single poster on this forum is an actor or actress, which is what I am. I used to give a big "F YOU!" to all the money-makers, all the hoarders and keepers of the cash that deserve nothing. I'm sorry for ranting but in my city the jerks, lowlives, idiots, kiss butts, kids I went to school with, drunks, degenerates, insensitive, inhumane, unintelligent, unintellectual, faux sophistacated cretons that are making unnecessary noises and causing riots outside a bar I live by are the ones that get the money. They are the ones who are so pathetic they went to school and got a nice degree and settled into a nice career and the house and the car and the crap. They should be getting paid to act, because I see it everyday. I walk downtown and see the suits, the cars, the vanity, the sense of "praise me, look at me, idolize me, be mesmorized by the way I have it all figured out", and there they are right outside drinking until they forget they have a wife and three growing kids at home. They act everyday. In their offices, cubicles, Lambourghinis, walking to the deli, to the coffee shop, in falsivity. I loathe these human beings. The way the world is today is because no one can let go of anything. No one can pursue a passion. No one can understand what they're doing. No one can comprehend that what they do is wrong, but more so pointless.
Ok Ok pull over, License to type and registration, how much have you been drinking??
Starting Score: EQ FICO 777
scottwagnon wrote:i use my online bill pay service with wells fargo to pay using my credit card account. there are no fees when i do this. payee may accept payment electronically or via paper check.
Scott: thanks for posting that. That is interesting to the point of fanscinating as someone else alluded to. It generally doesn't make sense to pay with a credit card from a rewards perspective and it'll do nothing for one's FICO score; however, goosing the monthly spend can make a non-trivial difference with approvals from some lenders (*cough* Amex). There's a non-zero chance that if I were routinely spending $2200 through my cards instead of $1000, that it would actually be a make or break decision on a Zync in my current credit strata.
I'm just not going to open up a WF account just to go do that... I just checked BOFA and I only have access to pay from my checking account in their Bill Pay service.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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bribro wrote:^ It's the same way with Chase and Citibank, you can only bill pay out of your checking account. Chase does offer a similar service to WF, but there are fees involved that would negate any rewards.
Really, I was planning to take my first paycheck from my new (or old, hard to define when you're going back to work at a former employer) job and opening a Chase checking account and leaving BOFA after too many years in what I'm realizing is an abusive relationship with no long-term upside.
What's the fee structure associated with Chase? If I had access to any of Chase's credit products currently, and it were reasonable, I'd pay it happily (I have no issue with using my slush fund for silly FICO tricks) as monthly spend is a non-trivial factor for Amex which I'd absolutely like to get in 2012 rather than '13 or beyond.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
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