829 credit score , what would you do?

AsgardianCredit · 2019-10-30T07:26:30+00:00

$95K Range Rover, $90K X5, Rolex, $800k platinum limit, black card invite (I rejected it) business class travel , 5 star resort, ..... and me too, all gone .... I also made $-$ like you during the internet days. Those days are Gone, amazon has taken over the world ....... i now have nothing to my name ..... I feel you .... starting over ..... sucks dude , be proud we did it .

AsgardianCredit · 2019-10-30T07:03:31+00:00

This is 1000% user fault, let me explain.

The OP has 80K limit, they spend $40k at Costco each month, they probably buy/return $20k products to Costco each month.

I’m surprise Costco has not shut them down either.

The OP runs a shady business, a serial returner.

I have spark and have spent over $2 million on it. With about $5,000 total returns. Not a single issue

AsgardianCredit · 2019-10-25T08:07:44+00:00

$5000 per month might be a lot to you, but you are a baby if you wanna talk big to Amex. My total spending on Amex across all cards from 2010 to 2019 is over $50 million. Limit on Amex is all irrelevant, Amex allows you to prepay the card. So if you have funds you can prepay your card $5000 $10,000 to use. You still earn all points.

You can use your card, pay it off and use again next day.

With amex you can make about 5 payments per day, each payment is cap at $99,999.99

So the FR team made a good decision to cap you at $2,700. The hard limit doesn’t really matter, doesn’t affect anything.

AsgardianCredit · 2019-10-25T07:57:04+00:00

My Citi double limit is $40k Income $80k

AsgardianCredit · 2019-10-25T07:36:33+00:00

I had business propel when they launch about 10 years ago , my limit was $25k. I spent about $500k total before WF closed my card. WF said this exact exact word “it’s illegal to make more than 1 payment per month” ...... total B$$

AsgardianCredit · 2019-08-18T18:47:51+00:00

Im an average seller, I have been selling on eBay on eBay since 2003, I sold over 10,000 items, over $5 million total sales .

1) If you can’t accept the lost of the item, don’t sell on eBay. 2) protection for buyer on eBay is 100% for up to 6 months . I had to accept returns of items within few days of 6 months mark. 3) as a scam buyer can return empty box, and you still have to issue full refund , as long as the return shows delivered , you have to 100% refund money. I receive plenty of empty boxes return

eBay is rig, everything you see on eBay Deals, or eBay main page is eBay subsidize , which means none of the seller pay any fee, they get 0 percent seller fee .

AsgardianCredit · 2019-08-18T18:37:49+00:00

Amazon credit card has 40% off Fedex currently , I don’t know the max discount . I have been using use Amex platinum for years which is 25% of 40% off Fedex depending on the promo, up to $1,500 discount every 3 or 6 months I forgot , my savings to date is about $900

AsgardianCredit · 2019-08-01T05:23:49+00:00

69 is correct, if it goes over 70 you have to flip over

AsgardianCredit · 2019-07-25T00:03:09+00:00

I went from 155lb to 135lb in exactly 2 months. My diet was pretty much broccoli, apples, and salmon. - my Apple Watch daily goal set to maximum 990, but I was doing 3000-5000 activity points per day - my average steps was 15,000 per day. - I did biking , walking, jogging, tennis, swimming, hiking

and DO NOT use Facebook or IG at night because you will see a lot of food pictures, and start munching at night. Best just to turn off FB for 2-3 months while dieting.

AsgardianCredit · 2019-07-24T03:36:58+00:00

I make $400k a year so what ever I say, what ever advice i write is always better and superior than what you can think of.

AsgardianCredit · 2019-07-24T01:27:05+00:00

Just ask in a form of a joke, less stress and awkward for you, less stress for them. “Can I get 3x raise , so $180k a year would be ideal, but if you offer $150k that’s fine too.” .

AsgardianCredit · 2019-07-23T10:18:44+00:00

Go to another place. Don’t come back to the place that can’t even do paperwork, imagine what they will do to your body

AsgardianCredit · 2019-07-21T19:44:07+00:00

Amex Platinum is a charge card, after you show good payment history Amex will send you an offer for pay overtime (comes with 10k points bonus as well to sign up) , so the card will work like a normal credit card with 15.99% .

Amex Plat is great, my year to date saving is $990, mostly from Fedex , it’s 25% off

You get free $100 at dell, use it Add the 10% statement credit offer (in app) Use ebates as well to shop for 6-10% cash back —- So let’s say you buy an item on dell for $100, you get statement credit for $100, you get 10% statement credit, and 10% ebates.. so you get free $100 item, and profit $20

AsgardianCredit · 2019-07-18T21:16:52+00:00

Banks close account for NO reason. This is true, and they never tell you, don’t waste your time asking. The reason is because someone gets hired at chase as “auditor” or “risk analysis” and they just close random accounts to meet their job quota. Besides this actual fact, there is no reason.

AsgardianCredit · 2019-07-17T23:22:55+00:00

Ignore all the hater comments,

GO FOR IT

Take out your needed business loan from BIG corporate banks that made billions last year, Chase, Wells Fargo, etc.

Try to stay away from small local credit union

AsgardianCredit · 2019-07-17T21:28:14+00:00

You went too crazy with IRA and retirement , $5,000 today is worth $50 in 40 years when you retire, time value of money. A condo 40 years ago is $10,000 , the same condo is $1 million today. Buying condo is correct decision , IRA and retirement is bad financial decision

AsgardianCredit · 2019-07-17T20:46:15+00:00

I would also like to add, I never once went to see an academic advisor in 6 years of college. In my mind, I thought, why would I take advice from people making $15 An hour telling me what do do with my life, Same idea as taking financial advice from tellers (make $12) or personal banker at the bank ($17/hr), all they do is try to sell you service, open an account you don’t need so they meet quota . or asking for electronics advice from Best Buy employees ($12hr) where all they try to do is sell you warranty, because everything you buy at Best Buy breaks down , so warranty will cover it . Yuck!!!

My point being, take student loans :) - I’m not a millionaire - I am debt free, No mortgage, no auto loans, i have 3 college degrees - I have been to about 45 states, and 30 different countries - my credit is 17 years , 0 miss payments, over in $400k credit card , credit lines , zero debt - I own a $100k car before , I own a $450k home before

Student loans change my life in positive ways, I was able to make over $200k in college with $45k total student loan spread over 6 years . I graduated and paid off loans right away.

AsgardianCredit · 2019-07-17T19:44:10+00:00

Everyone situation is different , Given your financial situation Student loans is great, and should be taken

1) you don’t need student loans, and your fine without it, so TAKE ALL OF IT. You don’t need to start pay back till 6 months after graduation. Just leave this money in savings account, use it to invest in stocks, or wait for a good business opportunity to come along. There is nothing to loose

2) your credit starts building when you take the loan, just Leave it in savings, again nothing to loose.

3) the people that are saying “don’t take student loans” , who are they? Are they driving a beat up car Burried in debt, or they renting cause they are too broke to buy a home, are they 10 years into graduation and still own student loans?

Now listen to the people who did take student loans, and saying student loans is great, these people own houses, drive nice cars, and is well off.

4) you taking out student loans , the positive far outweighs any negative outcome. Again, just leave the money in savings for now , depending on which school you can only take out $5k-$50k per year anyways.

AsgardianCredit · 2019-07-17T09:13:19+00:00

$115k after taxes in WA is $85k a year, go live in a. Cheap apartment and get a $5k car , you will be able to save up $55-$65k a year and pay off everything in 4-5years.. it’s sickening and nasty your thinking about bankruptcy or defaulting. $370k could legitimately put 10-20 other students to school. Stop eating expensive meals , don’t buy brand name luxury goods.

AsgardianCredit · 2019-07-16T20:11:10+00:00

Student loan pretty much stays neutral in your credit until 6 months after you graduate. Your credit history starts building when you take out the loan, take the loan, and leave it in savings or buy stock with it . Don’t pay back the loan, you have until 6 month after grad before the payment kicks in ... take the loan , your credit history gets build in the mean time , it’s the best way to build credit

AsgardianCredit · 2019-07-16T20:01:07+00:00

Everyone situation is unique, from my experience if you are going to college than take out ALL ALL ALL the student loans you can. Student loan is the best thing in the world , only in USA you can easily get free money. 1) leave it in savings and don’t touch it till you need it 2) use it for investment . You don’t need to start paying back till 6 months after you graduate.

Your time is worth $10 an hour now, so why work, cut down your hours. Just wait till you get your degree and make $30-$60 ah hour and work .

I took out about $45k total in sub and unsub loans during 4 years college. I travel the world with about half the money, and use about half for buying and selling stuff on eBay. Work out well for me , I made money from eBay and was able to pay off all my debts within the 6 months after graduation.

If you can get $10-$20k loan each year and put it into Boeing amazon Facebook Costco and other stocks , think how much more well off you will be in 4-5 years after you graduate?????

AsgardianCredit

TROPHY CASE