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Everything posted by AboveAverage

  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.
  16. I told you guys, this is not surprising. Try getting denied for an AMEX based on where you went to school?! AMEX was passing out applications and t-shirts just like the rest of them, but denied me based on defaults that came from prior students. This was back in '95....
  17. Your advice is sound, as always. I pay no interest...CCs are paid in full each and everytime. In almost a year since I have gotten credit, I have never paid interest to CCs, (only the car). The pots had to be done because the non-stick pans we had were looking nasty and unhealthy, but DF was supposed to handwash those and she justs throws them in the dishwasher. Now I have to get stainless steel. (We rent and we don't pay for water, so it's all good with me... ). Macys had a nice columbus day sale and I got a cuisinart set that gave me 3 mixing bowls for free, plus a bread knife that I have
  18. This month was a killer to me. I found myself spending money on stuff that, while needed, irritated me because the stuff that I replaced (pots and pans) could have been avoided had my DF not use the dishwasher! I had to get stainless steel pots and pans to replace the pots I had bought 3 years ago. On top of that, I had to get an oil change and the balance of tires and clear some rust from my rear brakes. That was a cute $142. Stuff always comes up though, and it doesn't make me broke, but it makes it difficult for me to stock up cash. The only way I can save 3-6 months of my net salary with
  19. I can see why jq26 left number 9 out when he posted that the other day...lmao.
  20. SB, Thank you. You definitely were helpful with one of my issues in the credit repair process and I definitely tip my hat to not just your help and advice, but to your deserved success as well. I hope you aren't too much of a stranger, and if you are, I hope to be not too far behind you. 11/27/08 is the anniversary of my rebuild (when I got my Macys card), so it is my hope that I'm not terribly behind you in homeownership. But I'm thinking summer '09 is when I'll be both ready AND still have a buyer's market. Much continued success, congratulations on both the house and wedding, and please...d
  21. If they move me to Wamu I will get instant denial....all because Providian got burned i 2001.....(sigh...) It's cool though because hopefully Chase will play ball with me and as-much-as-I-would-like-to...I really don't want to apply for more credit right now. I think the hardest thing about this whole process for me (rebuild and repair) is letting the stuff you do have marinate for sometime before applying for new stuff. I think by next May, I should be ok. In the beginning, I was content with getting my foot back in the door...now, I want 4 digits left of the decimal when I apply for stuff.
  22. Sounds like you are on the right track. I don't personally know what your timeline is for getting a house, but if you can, try getting at least one installment loan (i.e. secured loan from a CU or bank) that reports to all three. That will add to your nice mix of TLs and definitely give you a nice score with on time monthly payments.
  23. If you find yourself going to staples more than 3-5 times a year for a few copies, consider getting yourself an all-in-one printer. Scan, copies, print and (optionally though I took the option) fax. Newegg's got some awesome deals. I spent $60 on such a device that was brand new (not $100, $200..sixty dollars...very cheap). Oh yeah, you will spend money every few months on INK, but when I saw the convenience of having this device in my home instead of waiting until a work day to make copies, or, Heaven Forbid I was on vacation, SCHLEPING to Staples to make those copies....I have never been hap