topic Re: is it just me in General Credit Topics

is it just me

Anonymous — Sun, 07 Jul 2019 13:21:59 GMT

or is everybody locked out of there walmart account all night just says We apologize

Re: is it just me

Anonymous — Sun, 07 Jul 2019 13:29:50 GMT

No, I get the message "You don't have an account with us. Go away."

Re: is it just me

AverageJoesCredit — Sun, 07 Jul 2019 14:43:07 GMT

I got in the manage my credit site just fine. Boy , cant wait for all the new I hate Capitol One posts to begin once the switchover officially begins

Re: is it just me

DaveInAZ — Sun, 07 Jul 2019 15:49:22 GMT

@AverageJoesCredit wrote:
I got in the manage my credit site just fine. Boy , cant wait for all the new I hate Capitol One posts to begin once the switchover officially begins

I like Capital One and they like me. I just wish the Waltons had stuck with Synchrony. But, we'll see . . .

And I get into the Walmart site just fine, it said "Your credit limit is $10k and you balance is only $240, spend more!!!" So I said "Yeah, and $160 of that is Quick Cash, I only use my Walmart card for small purchases with Quick Cash to string you along, because I get 3% cashback with my BBVA Visa while you only give me 1%.

P.S. - Don't tell Cap One".

Re: is it just me

Anonymous — Sun, 07 Jul 2019 20:25:02 GMT

@DaveInAZ wrote:
@AverageJoesCredit wrote:
I got in the manage my credit site just fine. Boy , cant wait for all the new I hate Capitol One posts to begin once the switchover officially begins
I like Capital One and they like me. I just wish the Waltons had stuck with Synchrony. But, we'll see . . .

And I get into the Walmart site just fine, it said "Your credit limit is $10k and you balance is only $240, spend more!!!" So I said "Yeah, and $160 of that is Quick Cash, I only use my Walmart card for small purchases with Quick Cash to string you along, because I get 3% cashback with my BBVA Visa while you only give me 1%.
P.S. - Don't tell Cap One".

Do you have the card to keep your utilization low or is there some otther benefit?

Re: is it just me

DaveInAZ — Sun, 07 Jul 2019 20:54:00 GMT

@Anonymous wrote:
@DaveInAZ wrote:
@AverageJoesCredit wrote:
I got in the manage my credit site just fine. Boy , cant wait for all the new I hate Capitol One posts to begin once the switchover officially begins
I like Capital One and they like me. I just wish the Waltons had stuck with Synchrony. But, we'll see . . .

And I get into the Walmart site just fine, it said "Your credit limit is $10k and you balance is only $240, spend more!!!" So I said "Yeah, and $160 of that is Quick Cash, I only use my Walmart card for small purchases with Quick Cash to string you along, because I get 3% cashback with my BBVA Visa while you only give me 1%.
P.S. - Don't tell Cap One".
Do you have the card to keep your utilization low or is there some otther benefit?

You caught me.

Yes, I only have two store cards, the other is Lowes w/$15k CL. I carry $16k in balances on my CCs while utilization is only 12%, so that $25k CL between Walmart & Lowes help keep util low. But I also use the Walmart card for Walmart.com orders as that pays 3% rewards, and the Quick Cash is a nice feature, I never have to go to an ATM and try to remember PINs, and it's no fee & interest free if you PIF by due date. As for Lowes I own my home so I might need a large purchase sometime, but in the last year I've bought a house plant in the fall and a garden hose in the spring to keep it active, Lowes is the king of high CL with low spend requirement to keep it. That's my only concern about Cap One taking over Walmart, Cap One isn't nearly so generous as Synchrony with high CLs and low usage to justify it.

And I'm obsessive about not paying credit card interest, all that $16k in CC balances is 0% intro rate, BTs, and monthly PIF usage.

Re: is it just me

Anonymous — Sun, 07 Jul 2019 21:27:09 GMT

I have an Amex that's interest free for another year.

Since it's opened in March I've spent 8176, including $5000 in balance transfers and paid back 3,215.00. Even interest free it's hard to look at a balance

Re: is it just me

Anonymous — Sun, 07 Jul 2019 21:48:41 GMT

@DaveInAZas I see posts where people purchase house plants ... recommend you think about "Snake Plants" as they purify the air and look cool besides. There you have it?

Re: is it just me

Anonymous — Sun, 07 Jul 2019 22:13:58 GMT

I still unable to login for laptop but can from mobile .idk it's weird lol

Re: is it just me

DaveInAZ — Sun, 07 Jul 2019 22:23:11 GMT

@Anonymous wrote:
I have an Amex that's interest free for another year.

Since it's opened in March I've spent 8176, including $5000 in balance transfers and paid back 3,215.00. Even interest free it's hard to look at a balance

Well, yes. And a $0 balance is really nice to look at, I just paid off my 15 months of 0% on my Everyday card and it now has a $0 balance, the 0% becomes 19.24% at the statement this month. I just look at a balance knowing I have a plan & resources to turn it in $0 before it becomes expensive and it doesn't feel so bad.

Re: is it just me

DaveInAZ — Sun, 07 Jul 2019 22:30:27 GMT

@Anonymous wrote:
@DaveInAZas I see posts where people purchase house plants ... recommend you think about "Snake Plants" as they purify the air and look cool besides. There you have it?

Huh? I had to google that - "Sansevieria trifasciata is a species of flowering plant in the family Asparagaceae, native to tropical West Africa from Nigeria east to the Congo. It is most commonly known as the snake plant, mother-in-law's tongue, and viper's bowstring hemp, among other names."

I remember those now, my mother always had some of those. I'm actually planning on stopping at Lowe's tomorrow on a banking & lunch trip, I'll look for one, if I get one I think I'll go with "mother-in-law's tongue", my ex's mother sure had one.

Re: is it just me

DaveInAZ — Sun, 07 Jul 2019 22:33:38 GMT

@Anonymous wrote:
I still unable to login for laptop but can from mobile .idk it's weird lol

Hmm, I've logged in a couple times today on my Windows desktop pc, no problems. What kind of errors are you getting, still "We apologize"?

And sorry we hijacked your thread, just having some Sunday afternoon fun. . . .

Re: is it just me

Anonymous — Sun, 07 Jul 2019 22:55:53 GMT

@DaveInAZ wrote:
Well, yes. And a $0 balance is really nice to look at, I just paid off my 15 months of 0% on my Everyday card and it now has a $0 balance, the 0% becomes 19.24% at the statement this month. I just look at a balance knowing I have a plan & resources to turn it in $0 before it becomes expensive and it doesn't feel so bad.

I've been doing a simple "3600 total balance, 12 months left, must pay at least 300"

The large balance means my overall utilization is at 15%, and I'd like to get it under 10