I thought I got a message about changes to that, too, meaning you'd no longer need to add offers to your wallet. They'll just automatically be included when you scan at checkout. Which is how it should be anyway.
Credit Cards
- Thread starter AgronAlum
- Start date
Why do people always have to try to denigrate someone who doesn't do things the way they do it? It shows your maturity level or your party affiliation, I can't decide which.
Sorry I guess I should have added the joking emote or something. Live your life buddy I don’t care. I wasn’t being serious at all.
I just received a notice from Citi they are lowering my credit limit from 24,600 to 17,470 since I don't use my available credit. I can request to have the higher limit reinstated, should I? I have an additional 30k available on two other cards. I assume the lower limit would lower my credit score? My credit score is currently super excellent and I would like to keep it that way.
I mean you did offer the information about yourself unprompted. It’s kind of a weird flex.
I'm not big on websites but I transferred some debt onto a card with 1.9% for a year to pay off some debt. So my advice is check with the financial institutions you already have relationships with.
I'm guessing it has an overall negligible impact on credit score long term. But it doesn't hurt to ask to keep the limit.
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Nobody was flexing. I posted about my credit card use in a thread titled "credit cards." Sue me.
And he responded with a joke about your credit card. Sue him?
First time on the Internet grandpa?
(relax, that's a joke, too)
I know. I read your post. How does never using a credit card add to a conversation about credit cards where the OP was asking about what credit card to look into getting?
Like I said, and will stand by it, it seemed like a weird flex to point out you never have borrowed money or used a credit card, completely unprompted.
I think this is flat out bragging not even humble bragging. Just curious personal or business cards?
I didn't want it to come across that way but it is extremely difficult to ask the question without stating the facts. This is my personal score and I will be applying for a mortgage soon. Credit scores suck in the fact that I have no idea what the correct "move" should be!
Also I should have put the winky eye emoji in, I forgot it. Good luck on your mortgage.
I think payment history and account age account for like 70% of your score. As long as you keep your utilization rate low I think it should be pretty small or not at all.
