@Anonymous wrote:
Mixed start of the month for me. I'm officially moved
Into Auston. However, I was pulled over for doing 88 in a 70 in Virginia, where it is a crime (not a traffic offense) to go over 80. Also an issue when there are wide, flat roads where everybody is doing 80-90. Oh well, time to find a traffic lawyer.
Congratulations on getting the move completed. And do they live in the colonial days still in Virginia. It's a good thing you moved here to Texas, we know how to drive and what a car is for. Although, and about everyone going 80-90, I do remember getting stopped several years ago and making a statement to the patrolman that I was keeping up with the traffice and his reply was: "But I targeted you." Made me so mad.
@Anonymous wrote:Hello Garden peeps. I made it 12 months and 2 weeks. I had to jump out for a mortgage on Tuesday. I'll be back when this house craziness is over. Happy gardening to you all!
That is great, Annipoo. Getting a house is wonderful. Hope everything goes smoothly.
Hello gardeners! Checking in for June.
5 months in the garden.
Well, except I got added as an AU on my SO's SPG. But that's technically not "my account" 
Nothing much, FICO scores are behaving in their own way. Mostly around the 760-770 range.
Got a $1.9k SP CLI on my Citi Dividend, that brings its limit to $9.1k. It was 6 months since its last CLI.
Closed my Club Carlson Visa card. Not using it much, not using the hotel chain much either, no justification for dragging it beyond a year.
My utilization is going to tank heavily on my CSP, Freedom, and Discover this month because of a 10-day trip that we took and we splurged. I'm bracing myself for a temporary drop in the scores.
Not fancying any cards, but planning to get a car. Had kept buying one on hold for many months, depending on transit and the weekend cheap rentals; but it seems like getting one will be necessary shortly. Mostly by end of summer. Have to put some thought into it.
Hard to believe not only is this month nearly half over, the year is nearly half over. I have never put any goals in writing so decided I would try to start doing that this month, so here they are:
- Request at least one SP CLI.
- Request APR decrease(s). I have not done this before, so a new endeavor for me.
- Peruse and study my cards to determine which one(s) I want to prune.
- Pull cards which are SDd and make small purchase on each.
- Determine how to pay cards so that only one reports a balance to improve utilization.
- Watch for double promo reward to be posted to Discover, though it may be next month.
Woot! Congratulations, SunriseEarth.
I noticed on my Discover bill that I was charged an interest of $9.21, so I called Discover to find out why because I pay the bill in full every month. It appears that through keyboard error, I paid $$$.06 instead of $$$.96 for the bill last month. For each day that that 90 cents was owed, I was charged 23.24% interest which ended up being a total of $9.21. The Discover agent advised interest is charged each day. So a keyboard error of hitting a “0” instead of a “9” costs me an additional $9.21.
While talking to Discover, I was able to get the interest rate reduced to 0% for one year; when that rate expires interest charges will go back up to 23.24% or whatever I can get it reduced to at that time.
I had no idea that Discover charges interest each and every day. I have never read that anywhere so decided I would post it here.
Leassons learned:
- Always look at the number(s) I type in and assure that they are accurate.
- When I get an e-mail telling me payment was received and the amount, always look at it and the bill to make sure they are the same amount. (If I had done that on this bill, I would have paid the additional 90 cents (I always pay my bills about two weeks before they are due so there was still plenty of time) and saved myself the interest charged.
- This was my first time asking for an interest rate reduction, and I learned it is not hard at all - just ask.
Good evening everyone! I hope you all have fun things planned for the weekend! Enjoy!
p.s. It feels good to see inqs fall off and balances go down.