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Jonny 290 posted:lol yeah. i've got this stupid rear end opensky card for my first and its like 29 a year AND you have to call them (NOT GO ONLINE, CALL) to get them to stop sending paper statements, which they charge $4/mo for bank fees led to a big part of radicalizing me. I don’t miss the days when I’d argue with my bank about reordering debits so that a $2 charge at a gas station led to 2 or 3 overdrafts instead of 1 (not to mention not allowing you to just deny any debit attempt that would put you into negative), but I’m glad they finally passed laws to stop that poo poo, even though I never got any relief personally from it
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Jul 22, 2022 18:46
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| # ? Apr 23, 2024 07:52 |
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greatest possible threat to hbags future credit score would be them getting a credit card.
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Jul 22, 2022 18:48
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i'm the fee you get charged to check your balance so you don't incur a fee for overdrawing
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Jul 22, 2022 18:49
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sometimes when I think about what I’ve gotten from the all this time on the forums I forget to account for the fact they saved me about ten grand. I was sued over two credit accounts and the stuff I learned here led to me defending myself in small claims court and getting them thrown out or withdrawn. img sickos 
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Jul 22, 2022 18:50
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thats right! i got clued into the discover card by a goon as well. the apple card is funny cause i was just gonna pay debit for the air and they were all YO WANT A PAYMENT PLAN? i was all, well i wasnt planning on it but since yer offerin, sure immediately paid off the financing and now i got the nifty metal card that i just put my adobe subscription on and dont otherwise use
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Jul 22, 2022 18:57
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should get clued in on posting better
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Jul 22, 2022 18:59
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my first credit card had a $500 limit. later, when i wanted to apply for an auto loan the teller instead somehow signed me up for another, better credit card with a limit of $5000, a better interest rate, and some other minor benefits. i assume banks are just stupid as gently caress, or at least were back in 2011. cls: took my pills, had some food, still feel physically ill from stress about job, life, everything. hoping it chills the gently caress out so i can try and do something about any of it. hbag, take your meds
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Jul 22, 2022 18:59
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trust me after the day im having im loving taking them
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Jul 22, 2022 19:00
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Zamujasa posted:my first credit card had a $500 limit. later, when i wanted to apply for an auto loan the teller instead somehow signed me up for another, better credit card with a limit of $5000, a better interest rate, and some other minor benefits. i assume banks are just stupid as gently caress, or at least were back in 2011. the higher your limit, the deeper in you can get. i had a $1200 limit for many years without a bump but then the one time i became financially stressed enough that i needed to use the card to that extent and congratulations! the limit went up. when i approached that limit, up it went again. i think i got up to abouat an $18,000 limit before i paid it all back. my credit was stellar so they were obviously taking a safe bet giving me more money but that creep can get you if you're desperate or an idiot
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Jul 22, 2022 19:08
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cjs: the weekend in 50 minutes. i may or may not answer any mails or messages between now and when i slap the laptop shut
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Jul 22, 2022 19:11
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it is very random what the forums have good advice on. though granted the advice has generally improved over the years.
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Jul 22, 2022 19:32
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omg i love her
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Jul 22, 2022 19:42
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Cybernetic Vermin posted:it is very random what the forums have good advice on. though granted the advice has generally improved over the years. i find the more specific the topic, the better the advice tends to be
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Jul 22, 2022 19:42
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Zamujasa posted:i assume banks are just stupid as gently caress, or at least were back in 2011. banks are either Illuminati level power and financial brokers or run buy the dumbest morons on earth managing the most underpaid workers possible
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Jul 22, 2022 19:45
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the banks are definitely not stupid as gently caress
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Jul 22, 2022 19:51
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Roosevelt posted:the banks are definitely not stupid as gently caress eh,,,,,,
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Jul 22, 2022 20:02
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Roosevelt posted:the banks are definitely not stupid as gently caress yeah pnc or national city i forget who actually precalculated those end-of-monthly debits and did the biggest one first if it'd overdraft you
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Jul 22, 2022 20:04
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Archduke Frantz Fanon posted:banks are either Illuminati level power and financial brokers or run buy the dumbest morons on earth managing the most underpaid workers possible the thing is it's both, but they are two very different things, we just call them both "banking". there's the world of "retail banking" where customers are idiots so the employees might as well be idiots too. then there's the rarefied air of "investment banking" where the customers are extremely sophisticated and billions of dollars are changing hands
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Jul 22, 2022 20:06
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speaking of, i can't find my emergency radio, so had to order a new one. there's definitely a nice midland 210 floating around my house somewhere or shoved into garage storage and i absolutely do not know where it is. i also ordered one of those dumbass freeze dried food packs to put in the garage so that i don't have to consciously think about having emergency-food amounts of rice, beans, etc. in the cupboard. and another 7gal container. for the first time in my life im gonna have a proper not-halfassed earthquake kit, that'll be nice.
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Jul 22, 2022 20:07
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graph posted:yeah pnc or national city i forget who actually precalculated those end-of-monthly debits and did the biggest one first if it'd overdraft you PNC bought national city. I think almost all the big banks did that, the reasoning they gave was “well, you wouldn’t want your mortgage payment to not go through, would you?” which, ok, but then give me the option to opt out and do it in chronological order. they would not because the real reason is they want those fees. took a law around 2012 or so? to force chronological ordering iirc, and to allow you to opt out of overdraft coverage as well I believe edit: may have some of this incorrect, looks like overdraft protection became opt in shortly after the 2008 crisis Enderzero fucked around with this message at 20:13 on Jul 22, 2022 |
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Jul 22, 2022 20:09
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Achmed Jones posted:for the first time in my life im gonna have a proper not-halfassed earthquake kit, that'll be nice. I'm just gonna jump into the fault during the Big One so I don't have to think about having a kit 
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Jul 22, 2022 20:11
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Achmed Jones posted:speaking of, i can't find my emergency radio, so had to order a new one. there's definitely a nice midland 210 floating around my house somewhere or shoved into garage storage and i absolutely do not know where it is. i also ordered one of those dumbass freeze dried food packs to put in the garage so that i don't have to consciously think about having emergency-food amounts of rice, beans, etc. in the cupboard. and another 7gal container. Nice nice. I just keep a bucket of Mountain House around and rotate it every year. i now have both a washing machine and a fridge that i can run off my solar setup; if poo poo hits i'll be living like a king
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Jul 22, 2022 20:16
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cjs: all of my questions are being answered with nothing but hand emojis think im done for the week
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Jul 22, 2022 20:47
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jonny make the weekend thread
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Jul 22, 2022 20:48
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Roosevelt posted:jonny make the weekend thread Nope, I don't do that any more. -- r/jrits title: "This badass was hiding under the seat"  ellie
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Jul 22, 2022 20:53
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official two weeks given. yotj commences.
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Jul 22, 2022 21:11
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Achmed Jones posted:speaking of, i can't find my emergency radio, so had to order a new one. there's definitely a nice midland 210 floating around my house somewhere or shoved into garage storage and i absolutely do not know where it is. i also ordered one of those dumbass freeze dried food packs to put in the garage so that i don't have to consciously think about having emergency-food amounts of rice, beans, etc. in the cupboard. and another 7gal container. i should make up one of those. except here it's probably more of a blizzard kit. is the 7gal container one of those food-safe plastic buckets? i've been storing a bunch of pantry stuff in those with the gamma seal lids, mostly to deter any pests that wander by.
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Jul 22, 2022 21:15
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Archduke Frantz Fanon posted:cjs: all of my questions are being answered with nothing but hand emojis think im done for the week 👍
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Jul 22, 2022 21:15
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🤌
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Jul 22, 2022 21:19
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👍
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Jul 22, 2022 21:22
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🖕
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Jul 22, 2022 21:23
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Lady Radia posted:official two weeks given. yotj commences. 
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Jul 22, 2022 21:27
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sorry to interrupt but where the gently caress is the weekend thread
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Jul 22, 2022 21:27
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Eeyo posted:i should make up one of those. except here it's probably more of a blizzard kit. naw, i meant for water. the brand i have is aqua-tainer
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Jul 22, 2022 21:33
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Lady Radia posted:sorry to interrupt but where the gently caress is the weekend thread im stealing weekend valor https://forums.somethingawful.com/showthread.php?threadid=4008014
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Jul 22, 2022 21:35
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daaaaaamn cjs: yeah im done
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Jul 22, 2022 21:56
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Has anyone here ever tried doing the Everyman sleep schedule? Sleep 3 hours per night and then nap 20 minutes 3 times a day.
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Jul 22, 2022 21:57
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that sounds like some linkedin hustle culture dogshit
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Jul 22, 2022 22:10
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America Inc. posted:Has anyone here ever tried doing the Everyman sleep schedule? Sleep 3 hours per night and then nap 20 minutes 3 times a day. that sounds miserable no thanks
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Jul 22, 2022 22:13
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| # ? Apr 23, 2024 07:52 |
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Roosevelt posted:the higher your limit, the deeper in you can get. i had a $1200 limit for many years without a bump but then the one time i became financially stressed enough that i needed to use the card to that extent and congratulations! the limit went up. when i approached that limit, up it went again. i think i got up to abouat an $18,000 limit before i paid it all back. my credit was stellar so they were obviously taking a safe bet giving me more money but that creep can get you if you're desperate or an idiot mine just seems to occasionally go up for no obvious reason but w/e, i just hope i never need it Roosevelt posted:the banks are definitely not stupid as gently caress i was going to say that the 2007 crisis was calling, but then again the banks all got bailed out (and everyone else got hosed). maybe i give em too little credit
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Jul 22, 2022 22:26
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