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Post by acsl8ter on Oct 17, 2018 13:07:49 GMT -6
that sucks
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Post by Hoss on Oct 17, 2018 13:25:09 GMT -6
I had a similar deal with citicard. I called and asked what the balance due was to pay off and close my account now, they gave me an amount and I paid it. I later received a charge and ignored it until it became delinquent. They said it was for interest incurred before the payment cleared. I called bullshnit and had to deal with talking to a few people but got it all dropped.
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Post by dieselfitter on Oct 17, 2018 13:43:01 GMT -6
You're pretty limited until they get that letter to you and your lender can manually overwrite it in underwriting. Biggest worry would be did it drop your score low enough to A. not qualify or B. bump you to a higher rate? That's really the sh*t part of IMHO.
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Post by acsl8ter on Oct 18, 2018 6:57:10 GMT -6
looking for advice, not opinions.....moran....
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Post by newcoach on Oct 18, 2018 7:34:07 GMT -6
I still have never had a major credit card and dont ever plan to. I have had some best buy and furniture store cards but usually just leave them open til they close them. I've always been told to never close the card.
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Post by newcoach on Oct 18, 2018 7:49:08 GMT -6
I still have never had a major credit card and dont ever plan to. I have had some best buy and furniture store cards but usually just leave them open til they close them. I've always been told to never close the card. they're not bad if you manage them properly....we use ours all month then pay them off before the interest hits....we get the miles from them and it usually helps with a vacation or two each year.... Im aware they have their benefits. I watched my parents screw up over and over and just didnt feel like taking the risks of it.
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Post by newcoach on Oct 18, 2018 7:59:23 GMT -6
Im aware they have their benefits. I watched my parents screw up over and over and just didnt feel like taking the risks of it. thats gotta be rough on the eyes.... They were, and still are for that matter, great at spending money. Saving not so much. My dad grew up with a penny pinching farmer from the great depression and makes a lot of money so my guess is he doesnt want to be like that. My mother just knows how to spend on things she dont need.
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Post by newcoach on Oct 18, 2018 8:07:14 GMT -6
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Post by Burnet44 on Oct 18, 2018 8:29:59 GMT -6
Paid ours off. Cut them up. Instant trash for anything that comes in the mail. All we have is house for a year and one car payment
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Post by tcb on Oct 18, 2018 8:34:08 GMT -6
I plan on living in debt and passing it on to my children when I die.
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Post by tcb on Oct 18, 2018 8:49:26 GMT -6
I like the way this guy thinks! I'm going to invest in Porta potties and put them all around Jones Stadium in Lubbock. Charge $5 for an all day bracelet to use said porta potties. I'm going to clean up and be debt free in 17 weeks. Nah, Tech takes care of their fans.....kinda mean to opposing fans (sorry about the goal post incident Aggies)....but, no need for porta-pots.
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Post by newcoach on Oct 18, 2018 8:56:31 GMT -6
I plan on living in debt and passing it on to my children when I die. This guy gets it!
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Post by acsl8ter on Oct 18, 2018 10:50:03 GMT -6
I plan on living in debt and passing it on to my children when I die. This guy gets it up the a$$! TMI
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Deleted Member
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Post by Deleted on Oct 18, 2018 11:13:18 GMT -6
Haha....
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Post by newcoach on Oct 18, 2018 11:44:06 GMT -6
This guy gets it up the a$$! TMI Best one you have had......
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Post by bugtruck on Oct 18, 2018 15:24:29 GMT -6
Most of our business purchases are placed on mine. But they are paid off monthly. As for taking them as payment for our services they cost us a ton in fees every month. Many folks now days don’t seem to be able to write a check. Old fashioned cash still works for me
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Post by bugtruck on Oct 18, 2018 17:53:48 GMT -6
Haven’t added a fee yet are considering one. Yes cash will get a discount of at least 8.25 %. Which is close to the amount of fees paid to Credit card Leaches. For every 1000.00 it’s close to 100.00 in fees to the credit card company. So they make money of the business and the consumer.
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Post by Burnet44 on Oct 19, 2018 8:11:26 GMT -6
Gotta pay the illegals
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Post by acsl8ter on Oct 19, 2018 8:28:45 GMT -6
Haven’t added a fee yet are considering one. Yes cash will get a discount of at least 8.25 %. Which is close to the amount of fees paid to Credit card Leaches. For every 1000.00 it’s close to 100.00 in fees to the credit card company. So they make money of the business and the consumer. 8.25? i think you are getting bent over pretty hard...i thought the fees were 3%? you sure you're not confusing those fees with taxes? is there any other way?
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Post by bugtruck on Oct 19, 2018 8:42:53 GMT -6
Haven’t added a fee yet are considering one. Yes cash will get a discount of at least 8.25 %. Which is close to the amount of fees paid to Credit card Leaches. For every 1000.00 it’s close to 100.00 in fees to the credit card company. So they make money of the business and the consumer. 8.25? i think you are getting bent over pretty hard...i thought the fees were 3%? you sure you're not confusing those fees with taxes? That 3 percent fee gets a lot of charges added. We still make money so that’s ok. Also depends on the card used Amazon and Home Depot are about to quit allowing purchases made with reward cards. Which I have all because of fees.
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