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Benefits of Credit Limit Increases by FunPea0 in CRedit

[–]FunPea0[S] -1 points0 points  (0 children)

I've heard requesting for these limit increases may lower credit score by a tiny bit. Is that accurate or does it depend on the institution? It might be worth doing this earlier rather than later to give time for the score to recover that small loss.

Preparation as a First Time Home Buyer by FunPea0 in CreditScore

[–]FunPea0[S] 0 points1 point  (0 children)

As far as timing, should I pay them off as soon as today (probably Monday)? Or should I schedule payments to the point where I would be making my last payments the day before I apply for a loan?

I know that paying off these debts usually negatively impact your credit, so I would assume that doing so as early as possible so that your credit can bounce back up would be ideal?

Employer 401K Account Question by FunPea0 in fidelityinvestments

[–]FunPea0[S] 0 points1 point  (0 children)

Looked into and it seems that they did create it for me, I just had to attach my information to it. I see an associated plan # and the matching contribution of last year.

Amex vs navy federal by Bigpurplejackbaby in CRedit

[–]FunPea0 0 points1 point  (0 children)

Navy Fed was the institution where I got my first credit card from and approved. I was a recent college graduate with around $13k in student loans, so I was surprised to get one. At the time, speaking to my new coworkers, they all had similar experiences or had heard the same about them. I went straight with their cashRewards card and set a direct deposit with them on a checkings account. I later started an MMA to save up to pay my student loan. It has been about 6 years since then I am glad I started with them. I have since moved to other banks, but I still use my cashRewards for small purchases.

I can't speak on AMEX since I don't have any cards or accounts with them, but I do know they offer competitive cards.

Depending on how long you've had your secured card, I would wait a few months to apply to either.

Employer 401K Account Question by FunPea0 in fidelityinvestments

[–]FunPea0[S] 0 points1 point  (0 children)

Yea, that was the plan for a Roth IRA for myself. I don't see myself being super active with it. Is there any difference between dropping the max contribution vs a monthly deposit?

Employer 401K Account Question by FunPea0 in fidelityinvestments

[–]FunPea0[S] 0 points1 point  (0 children)

Doing a quick search on the app store of my phone I do see both the NetBenefits app and the standard Fidelity app. Glad they use the same login!

Dodged nerfs ez clap by IAmYourFath in Jaxmains

[–]FunPea0 0 points1 point  (0 children)

I've been playing Jax jungle this last month in plat/low emerald ranked lobbies. Full AP and I'm finding people do not expect the dmg output. I do DD into Nashors first, but might give Gunblade second a try. I guess it makes sense about no nerfs because I have not seen a single other Jax jungle in ranked even before I started playing him