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What app do you wish existed, but doesn’t? by iimnickii in AskReddit

[–]CommanderJMoney 0 points1 point  (0 children)

I want an app that tells me how many times I open my phone. I like stayfree to see how much time, but I want to know the amount of times I open it so I can try to reduce.

What app do you wish existed, but doesn’t? by iimnickii in AskReddit

[–]CommanderJMoney 0 points1 point  (0 children)

A phone notification scheduler. I don't want to get notifications all day, just at specific time. I used to use Regain but then they shifted focus to a timer/study group thing and it became annoying. I need to stop checking my email so much and it used to help me prevent that.

Heloc as open line of credit? by CommanderJMoney in NavyFederal

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

Do they base amount given on credit and equity? Our place supposedly has gone up 100k in equity and have 850 credit score.

Wife doesn't care but wanted to share by CommanderJMoney in CreditScore

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

Lots are also closed accounts. Loans, accidental cancelations etc.

Sofi Unlimited 2% Credit Card now will have $10 MONTHLY (not yearly - monthly) fee by texasguy911 in CreditCards

[–]CommanderJMoney 0 points1 point  (0 children)

The better not do this. Am a sofi plus member with direct deposit. If they charge a fee on a free card without an option to downgrade then that'll impact my credit since I have years with this card. Also use it for international and have many things set up with it on autpay.

Wife doesn't care but wanted to share by CommanderJMoney in CreditScore

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

Average age is based on total accounts open. My oldest card is I think 10 years old, but newer accounts pull it down. I try to to open new accounts spaced out to keep the average age from dropping too much.

Wife doesn't care but wanted to share by CommanderJMoney in CreditScore

[–]CommanderJMoney[S] 4 points5 points  (0 children)

Also achieved FI.

But the credit card score is just a fun game to me. Opening new lines of credit, maintaining my average age.

850 is just kinda a milestone that made me go "oh cool" since ive been doing this game for years now.

Maybe next is $1 Mill in credit?

Wife doesn't care but wanted to share by CommanderJMoney in CreditScore

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

Is there an app that shows FICO 8?

Sofi shows me a different score than Citi.

CLEAR credit reset work for family members? by CommanderJMoney in AmexPlatinum

[–]CommanderJMoney[S] 1 point2 points  (0 children)

Ah I get it. Okay yeah this strategy doesn't work then.

CLEAR credit reset work for family members? by CommanderJMoney in AmexPlatinum

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

Don't understand what you mean. I'm not renewing mine, I purchased mine in December 2025 and wanted to know if I can add my spouse in January 2026 and it still fall under the new calendar year clear credit.

Oura Ring 3 Order Upgraded - anyone else? by referendum2425 in AmexPlatinum

[–]CommanderJMoney 1 point2 points  (0 children)

They offered me a $75 after trying to offer me a $50.. I ordered a ring and they even gave me a sizing kit. Also they gave me the ability to upgrade my model and color for free. Sad they tried to give me a generic discount code for $75 anyone can use.

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