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AboveAverage last won the day on September 28 2008

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About AboveAverage

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    Gettin' Back On Track...

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    New Jersey
  1. I agree with you....I personally don't need anymore right now, and I'm just focusing on growing the limits on what I got. What is so special about the E*Trade card though? AMEX I understand, as folks seem to like getting fluffed for having an AMEX in their wallet.
  2. My friend, I couldn't care any less if I was driving a Pinto. I can afford to finance a Mercedes E Class such-and-such, but I'm happy driving my GM car (although the way things are going with GM, I am kind of regretting that HARD). I had a need to drive after I realized that going to my friend's wedding and reception via public transportation and bumming a ride from a bridesmaid's boyfriend...I got into impulse mode and bought a car then and there. This was the beginning of '08. Anyhow, I originally had Drive Financial. So that should tell you right there I got the "F"orget-You rate. I refied
  3. Well.... I like Edmunds, Cars.com, even autos.yahoo.com... My next trick would definitely be getting a list of quotes from all of them, pretending I would buy via financing, wait until he (the "friendly" j-o...errr, I mean car salesman ) asks me for my social, then say you know what, I'm going to pay in cash. (no check, no money order...just straight up cash money). If he tried to take back so much as a penny back, I would have the testicular fortitude to walk away. I would even tell him the same thing I told a manager when he spot financed me and telling me I need a co-signer. "Your jedi min
  4. When it comes to rent, I dealt with private landlords because they usually never checked credit scores. The flip-side to that, of course, is that they are slumlords when it comes to just basic things such as mowing the lawn. But that's the tradeoff I guess. Auto Insurance is another scam. In NJ, there are some insurers like NJ Cure that will not base you rate on the score...but when compared to Geico, it comes about the same for me. I've been driving since I was 17 and knock on head-for-wood, never got into an accident, and hardly ever got moving violations. My credit has dramatically improve
  5. Cav, I had gotten a similar card in the beginning (Rewards 660) and I fired it after 6 months. A complete waste of money and time. I started in addition to that with Macys and CJ. CJ helped out a lot, and that was with the initial $1500 (now they're hooking up with $2500). I would try a HSBC card as they were able to give me love initially. I opened up with them in 1/08. I also hear Crap 1 likes giving people love. Otherwise, with those scores, I would take the secured. Honestly, and I'm guilty of this myself, I don't know why secured cards get such a bad rep. Yeah, the bad thing is that yo
  6. You know I am inclined to agree with you, however based on what I remembered reading, at one time NJ had the highest COL with CT following at number two. Just for S&G, I looked at what the current COL by states were. While NJ and CT are now longer 1 and 2, NJ still has a higher COL (but I have always contended that North NJ/Metro NYC was the case...south Jersey is very cheap, but it's also very rural, so there lies the rub.). http://www.costoflivingbystate.org/cost-of-living-by-state.html CT is ridiculous though...while you are envious that I don't have to fill my own tank of gas ()), you
  7. Curious...how long did it take for you from soup-to-nuts to get them to give you the car for that price? Did they do a whole lot of "talking to the manager"?
  8. Wafflehouse....the South's answer to IHOP.... I've personally never been to Peter Lugies but from what folks have told me, the steaks are worth every penny. Then you got places with their Kobe beef (no, not Kobe Bryant....) that really make you go http://www.peterluger.com/
  9. Not for nothing, but if you participated in no criminal activity, why spend money on a lawyer just to pal around with you? If you didn't do anything wrong, I would just show up to the police station. Then if the police arrest you for whatever reason or even if they want to question you, you invoke your right to be silent and your right to an attorney. Even in PR, they have to Mirandize you. Once you say the magic word "lawyer", they have to ST(x)U and leave you alone until your attorney comes...oh sure they will book you and send you to a nasty jail....but if you did nothing wrong, nothing bad
  10. Don't bet on that. I had a talk with a Wamu supervisor who flat out told me I would never get a Wamu card, even if my scores were 800 because I burned providian back in 2001. I am truly hoping that Chase plays ball....and I even hope Chase fired that POS.
  11. Government may ban some practices The Senate isn't expected to vote on the matter until early next year. The Fed's proposed rules, currently being reviewed by the industry, could take effect around that same time. But lenders seem to be preparing for the worst-case scenario: an outright ban on some practices. To get ahead of rules that would hamper their ability to re-price accounts, for example, many companies are jacking up interest rates. A survey of major issuers by advocacy group Consumer Action found that 37% of companies had raised rates across the board, even for borrowers with relat
  12. Bad credit factors into subprime equation Making matters worse, the subprime threat is also greater in credit card land. Risky borrowers with low credit scores account for roughly 30% of outstanding credit card debt, compared with 11% of mortgage debt. More than 45% of Washington Mutual's credit card portfolio is subprime, according to Innovest. That could become a headache for JPMorgan, which agreed on Sept. 25 to buy the troubled thrift's credit card business and other assets for $1.9 billion. Says a JPMorgan spokeswoman: "We are aware of the credit quality of (WaMu's) portfolios and will
  13. Card issuers are struggling to defuse a consumer-debt bomb that could blow an estimated $41 billion hole in their businesses this year -- and even more in 2009. By BusinessWeek The troubles sound familiar: Borrowers falling behind on their payments. Defaults rising. Huge swaths of loans souring. Investors getting burned. But forget the now-familiar tales of mortgages gone bad. The next horror for beaten-down financial company is the $950 billion worth of outstanding credit card debt -- much of it toxic. That's bad news for players such as JPMorgan Chase and Bank of America that have largely s
  14. Three...HSBC, Hooters and BOA. I don't get any interest for the BOA, but I rationalized that if I had that $2k in my pocket, it would have been gone. It's out of sight/out of mind and I know I'll get it back in between December and May. I may do my taxes expecting a refund by April 15th just so that it coincides with me getting the $2k, but I am not sure. BOA I am hoping will give me a card with no AF because I've been good with them and from what I read primarily here and the other places, they pretty may hook me up with no AF. But assuming because of the economy that's not the case, $59+$36
  15. LOL....hmmmm....so spending $100 at Peter Luger's (and that's for a steak, mind you....if it's dinner for two, expect to shell out minimum $300), or 6 bucks at Burger King.....but I have to spend it on an Amex....... Yeah, nothing ludricous about that at all.... #&*@ Amex! That's what I say.