| More Sports Board|| re: Aaron Hernandez being investigated for threatening to kill guard and his family - Teddy Ruxpin on 4/16/14 at 12:40 am|
Now I know UF committed academic fraud to get him qualified. You can't be that fricking stupid and get the scores necessary....
| O-T Lounge|| re: In an argument about BAC - Teddy Ruxpin on 4/16/14 at 12:37 am|
[quote]The only reason I questioned is because I'm drunk and [b]he had someone else behind him saying he was right.[/b]
His retarded brother?...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/16/14 at 12:29 am|
[quote]getting my mom out of my money[/quote]
Every one goes through this. I booted my mom out of everything but my taxes until recently because I hate taxes.
I assume you're looking for a reliable used car which would be smart. I'll assume you really need it and shite happens, but you'll do be...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/16/14 at 12:16 am|
So the ace big major concern here is: will I be able to borrow money for a car? Post graduation, I won't have a reliable way to get to work without something newer.
If you have one credit card with $1,000 limit and that is the extent of your credit, and you seem relatively y...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/16/14 at 12:14 am|
I have a question sort of similar to this. We are in the process of selling our house and I will be paying off both our cars. We are moving in with my in-laws while we build our new house but we aren't starting till the end of the year. I will be debt free except for 1 credit card that I pa...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/16/14 at 12:10 am|
Chill out man, you're probably alright. Once you get back under that high utilization rate your score clears up quickly.
Please refrain from hurting your mother :cheers:...
| O-T Lounge|| re: Wing-a-Thon - Teddy Ruxpin on 4/15/14 at 11:33 pm|
I would definitely get my money's worth as long as they had enough wings. I can destroy wings...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/15/14 at 11:21 pm|
Since it's you're only card, yes maxing it is absolutely hurting you. Once you get over 30% usage across all your credit lined (and you have one) you are in bad joo joo land.
You can't be over $300 when that card closes each month for the statement balance. You would do well to get your limit inc...
| Money Talk|| re: Best credit card for me... - Teddy Ruxpin on 4/15/14 at 9:17 pm|
Chase advertises that you're getting a deal when you redeem through their portal, but you're really not a vast majority of the time. The points are almost always better getting transferred to United, BA, Korean, Southwest etc then via the portal....
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/15/14 at 6:50 pm|
[quote[b]]Would it be easier to deal with getting the bill sent to my house and making it where she can't look at it?[/b] Leave it like it is and never use it? I'm calling the CC company tomorrow to see what they have to say, but I'd like to have as little impact as possible on my credit. I have to ...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/15/14 at 6:33 pm|
[quote]No annual fee, think they raised the rate to like 8% a few years ago because I didn't use it.
Well the rate only matters if you don't pay your bills, so just keep it open. Right now its doing two things for you, extending the Average Age of your credit(Green), and helping with y...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/15/14 at 6:20 pm|
[quote]Was wondering if I should[b] keep it[/b], activate the card, cancel it, ask for a credit reduction.
Looking for a new mortgage in the next year or so, so hoping to make my credit score look as good as possible. [/quote]
And maybe even use it on a pack of gum every now and then to keep ...
| Money Talk|| re: How many shares do you own? - Teddy Ruxpin on 4/15/14 at 6:16 pm|
My 401k counts shares like an a-hole, so I'll say 6,000 :lol:...
| Money Talk|| re: Best credit card for me... - Teddy Ruxpin on 4/15/14 at 5:58 pm|
[quote]Why is the chase Safire better than the Barclays for international flights?
I'll do an example using Kayak.com.
Let's say a flight from MSY to Paris July 4 to July 15 is 1,583 dollars in economy.
When you use Barclay's Arrival points, you first purchase the ticket at the co...
| Money Talk|| re: Does canceling a credit card hurt my credit? - Teddy Ruxpin on 4/15/14 at 5:31 pm|
[quote]I have a credit card that I would like to have canceled. I've never been late on it and don't owe any money on it. Will having it canceled hurt my credit score?
Really, it depends. If your credit is already well established and you have a multitude of cards/lines, then it won't ...
| Money Talk|| re: Best credit card for me... - Teddy Ruxpin on 4/15/14 at 4:38 pm|
[quote]feel like i'm splitting hairs here.
You kinda are. :lol:
[quote]gotcha, i would like the travel points.
IMO, if you can only have two now, I'd get CSP and Freedom so you can get that big CSP bonus. Those two together for the bonus are worth more than Arrival's. ...
| Money Talk|| re: Reducing Credit Card Limits - Teddy Ruxpin on 4/15/14 at 3:59 pm|
[quote] I was shocked at what actually goes into the scoring model and how far apart the different credit scores can be.[/quote]
This can be really strange and have a wide spread.
For instance, when looking for a car loan, my fiancee was a good bit ahead.
For mortgage preapproval, I was wa...
| O-T Lounge|| re: What's your favorite airport to connect through? - Teddy Ruxpin on 4/15/14 at 3:45 pm|
This. You can hop on the train and see titties, drink booze, and smoke weed within 15 minutes.
15 minutes back on the train and onto your next destination. :lol:
And the people watching is tremendous. African warlords and every thing....
| Money Talk|| re: Reducing Credit Card Limits - Teddy Ruxpin on 4/15/14 at 3:40 pm|
[quote]I was always told that having too much credit available is a bad thing[/quote]
Don't worry, you aren't the only one who has been led astray. Credit and (whats good, whats bad for your score) has so many urban myths that are held so tightly and repeated so often that people can't discern th...
| Money Talk|| re: Best credit card for me... - Teddy Ruxpin on 4/15/14 at 3:33 pm|
[quote]any thoughts on getting a Penfed for gas only?
for instance i commute 200+ miles a day. or would you simply use the freedom rotating 5%.
Depends on what you value. You may have to run the math on that.
The PenFed is a cash back card (someone mentioned it not really 5x cash...
| Money Talk|| re: Best credit card for me... - Teddy Ruxpin on 4/15/14 at 3:22 pm|
A CSP/Freedom combo is basically a no brainer, at least for the fee free first year on the CSP. After sign up bonuses, you'll have about 50,000 UR points, which is not too far away from a roundtrip ticket to pretty much any where in the world.
[quote]However i am a chase customer, so i am not su...
| Political Talk|| re: The Benefits Of British Colonialism - Teddy Ruxpin on 4/15/14 at 3:04 pm|
You probably wouldn't be able to visit India to this day without colonization. :lol:...
| Money Talk|| re: Reducing Credit Card Limits - Teddy Ruxpin on 4/15/14 at 2:28 pm|
[quote]I certainly don't spend anywhere close to the sum of these limits ($33000) in a month. [b]Would it be beneficial in any way to call and reduce the credit limits to around $5000 per card? Would it hurt my credit score to do this?[/b]
Jesus Christ don't do that.
[quote]It would ...
| Money Talk|| re: PreApproved for VISA BLACK-Worth it? - Teddy Ruxpin on 4/15/14 at 9:31 am|
[quote]When you redeem your points for airfare your points are worth 1.25 cents ea, instead of 1. [/quote]
The points are worth more if you transfer into an airline partner's reward program. Make sure you learn how to do that if you dont. ...
| Political Talk|| re: Can someone give cliffs on what ppl keep referring to Waco - Teddy Ruxpin on 4/15/14 at 12:37 am|
[quote]It came one year after the Ruby Ridge incident.
You left out for our young whipper snapper that Ruby Ridge and Waco led to the Oklahoma City Bombing. ...
| O-T Lounge|| re: How much money per month do you put on your credit card? - Teddy Ruxpin on 4/14/14 at 10:12 pm|
[quote]Yea.. That guy is a tard. A few days ago, I clicked my mouse a few times and got a $400 credit on my bill. It took 30 seconds. I pay $0/yr for this card.
This year, I've booked two separate flights to Boston with hotel (2 passengers each), a flight to Miami (1 passenger), a fig...
| O-T Lounge|| re: Ad for jet rental - Teddy Ruxpin on 4/14/14 at 6:57 pm|
[quote]edit, I was banned for saying that before.
Got damn gestapo...
| Money Talk|| re: Credit Card Sent to Collections - Teddy Ruxpin on 4/14/14 at 6:39 pm|
[quote]To me, if someone has a charge off then works to get it paid off, they should get some benefit from that. There should still be some sting on the credit report - after all, you did go late - but it should be better than not paying it at all.
I agree. You want to encourage people...
| O-T Lounge|| re: How much money per month do you put on your credit card? - Teddy Ruxpin on 4/14/14 at 6:28 pm|
[quote]I really need to start putting my work charges on mine too. That's another $5k/mo
You gotta get on that bro.
I wish my work expenses were out of this world but they aren't. I get to put some things on a card though.
I've tried to let them let me make transactions on my cred...
| Money Talk|| re: The Wall Street Journal Print Subscriptions Rate increases....... - Teddy Ruxpin on 4/14/14 at 5:45 pm|
[quote]how exactly is that theft? They are offering it for free! You just have to use a different browser. I always keep two browsers open anyway.
Just playing with you :lol:
It is funny how they allow that though. I've seen that with many sites.
I can never get through FT thoug...