The EPIC WIN Thread 3: SON OF EPIC

I should clarify that only four of those have balances that carry over. The other six are either zeroed or are paid in full every month.
 
I have one for personal and I put everything on it, even when it's just one diet coke, because I collect airmiles. I had enough to take us both down south a few years ago :) I have a work one as well, but I only absolutely have to use it when I rent cars on work trips. Which I hate doing, I always ask a coworker to do it. Unless its a student under 25 lol.
 
In the USA, you're frequently graded based on how much total credit you have, and how much of that credit you are not using. So the more "opportunity" you have, the better your score, even if using all of that credit could potentially put you so far underwater you'd have to look up to see the Trieste.

--Patrick
That said..you also get dinged for "under utilization"..the sweet spot is somewhere between 20%-35%. Or at least that was the case like 15 years ago when I last did a lot of research on boosting my credit.

And, you'll get dinged if you hold a lot of card with low limits. So if you have like 5 credit cards, but they're all like 250-500 limits, you'll get a ding, because it theoretically shows that lenders aren't willing to trust you with more credit. Which is dumb, because it's nearly the same as having one card with a 2500 limit. Except you're paying more every month, because you'll have 5 monthly minimum payments instead of one. The monthly minimum on 1 maxed out 2500 card is less than 5 minimums of $25 (which is usually the standard at most credit card companies).
 
Right. They want to see that you are actually using it, but that you could potentially be up past your eyeballs at any moment.

--Patrick
 
I have 3 CCs, my wife has 1, they're always paid off in time. I think we've paid about $6 of interest, and I'm hoping we manage to keep that number there.
 
I just have the Southwest card, which I pay off in full each month. Costs $99 a year but I've probably saved almost $1000 in two years from free flights.
 
Whatever any of you do, try to steer clear of Synchrony Bank, formerly GE Capital Credit. I had three cards with them (Lenscrafters, Care Credit, and Amazon Store Card), and the only one that's still open is the Amazon card, which they've dropped the credit limit on twice without so much as contacting me to tell me they'd done it - I found out when my credit monitoring service pinged me to tell me that my limit had been reduced and my credit score dropped 30+ points. They also closed my Care Credit account as soon as I paid it down to a zero balance - which was my first payment - again without contacting me in any way.
 
He's taking in an exchange student, not a whole orphanage.
But just think about the singing and dancing if he did!

is it worth the waiting for if we live till eighty four all we ever get is gruel! Every day we say a prayer will they change the bill of fare still we get the same old gruel!

it's a hard knock life for us! It's a hard knock life for us! 'Stead of treated we get tricked, 'stead of kisses we get kicks, it's a hard knock life!
 
Well her plane was flying above Houston waiting to land.... Then tthey diverted to Austin to refuel... She finally made it at 8pm and we just got home with the kids and all and cooking dinner!

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Well her plane was flying above Houston waiting to land.... Then tthey diverted to Austin to refuel... She finally made it at 8pm and we just got home with the kids and all and cooking dinner!

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Good luck, and keep her safe from the local Bhamvs! :p
 
Maybe that terms means something in Canuckistan, but the wikipedia disambiguation page offers little help beyond "People's Republic of China"
 

Cajungal

Staff member


This is the fella in his new Loot Crate shirt. He went to the grocery store for me wearing it.

So while he's waiting in line, he notices that this 50-something lady is staring daggers at him and muttering. So he tries to listen and figure out why she's so mad.

Turns out she thought it was an actual candidate. And the words she was muttering were "damn green party liberal weed heads..."

Oh my God, I'm dying.

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