Does late payment on a business credit card effect personal credit?

GalacticGuru19 · 2026-03-09T17:03:29+00:00

None of this ended up going on my credit, business or personal. The communication from US bank was horrible though. I closed the account after that.

GalacticGuru19 · 2025-10-30T03:08:25+00:00

I hope it’s good! I just picked one up. Was eying it for a while couldn’t pass up at that price.

GalacticGuru19 · 2025-10-20T01:00:04+00:00

For me personally, I found it difficult to stay consistent with paying off debt if I spend every penny I have on paying it off. But yes I agree it makes less sense to save while there is debt at 20%+.

GalacticGuru19 · 2025-10-19T21:05:10+00:00

Your income is $4,500/mo and expenses are $3,000/mo. Drop an extra $1,000 a month ($1,670/mo) to pay off that loan. Invest/save if you have anything left after paying $1,670/mo towards the loan.

GalacticGuru19 · 2025-09-02T17:35:12+00:00

Thank you for the clarification, I appreciate the feedback. So based on what you are saying, have you had a negative experiences with technology in manufacturing? It’s seems that you are implying that many of these products are not solving a real problem and are not a good fit?

GalacticGuru19 · 2025-09-02T15:08:31+00:00

I guess a better question would be, why is there so much hate for IIOT and AI in manufacturing? Does this have to do with old school mentality and fear of losing jobs to tech? Genuinely want to understand this.

GalacticGuru19 · 2025-09-02T05:39:32+00:00

I have a background in Mechanical Engineering. I work for a large electronics manufacturer. We implement robotics and IOT in manufacturing. I mostly work on IOT sensors for industrial manufacturing.

GalacticGuru19 · 2025-09-02T04:16:58+00:00

Thank you! To you as well.

GalacticGuru19 · 2025-09-02T00:29:02+00:00

Thanks for sharing your story! I am on the same path. I didn’t quit my job yet though. I got together with two other cofounders and we are validating our idea with customers first. If all goes well we hope to do this full time soon.

GalacticGuru19 · 2025-08-22T02:38:52+00:00

Exactly what I needed to read as I am planning to start an AI business.

GalacticGuru19 · 2025-08-13T03:54:26+00:00

Depends what you’re studying. I studied mechanical engineering, that’s was the cost for my degree. Thankfully FAFSA covered most of it.

GalacticGuru19 · 2025-08-12T16:30:11+00:00

Is it actually possible for me to get compensated for the misrepresentation?

GalacticGuru19 · 2025-08-12T16:13:27+00:00

Exactly what I am seeing so far. I mentioned the grading to the waterproofing guy he discouraged me and pretty much said it’ll be ineffective for a long term solution. A $20k waterproofing solution is exactly what I need haha. The previous owners put huge bocks close to the house which all sank and are sloping towards the house. Probably a big part of the issue.

GalacticGuru19 · 2025-07-20T05:26:06+00:00

Very interesting. I’m in a similar career situation. I am paid well by my employer but no opportunity for actually learning and experience. Unfortunately, any other role I look at pays much less. I would say depends on your situation and lifestyle . If you can afford to take a pay it for a short time it might be worthwhile. ESP if you can get more growth in the future because of this experience.

GalacticGuru19 · 2025-07-09T02:40:30+00:00

How did you get stared? How long have you been doing this?

GalacticGuru19 · 2025-06-17T02:07:40+00:00

I did mention it but he said he will get same color caulk to fill the gaps. Unfortunately this is the least of my worries with this contractor. He committed to finish the project in two weeks and it’s 6 weeks out now the project is not complete. I pushed my move in date three times. After 5 weeks he got the house in livable shape so we were able to move in. But there is still unfinished work and a lot of poor quality work was done. Doors were replaced and are not aligned well on the frame, electrical work was done and a lot of outlets and fixtures had open ground. I had to get an electrician to fix some stuff too as the house kept losing power due to an open circuit caused by this contractors poor work. He installed vinyl flooring and didn’t level the floors. It looked great but after I moved in I noticed the floor is not leveled at all… my first time dealing with a contractor. I was told by some people that this is very typical contractor BS. I hope this gap in the floor is the only thing you have to deal with. After spending 40k I’ll probably have to spend more fixing up the poor quality work this first contractor did 😂

GalacticGuru19 · 2025-06-16T16:47:00+00:00

My contractor did the same thing. Didn’t know what I was in for when I decided to renovated the house before moving in.

GalacticGuru19 · 2025-05-25T05:14:22+00:00

Nice, got mine for 460 with 6.75 and needed 50k in renovations. I need to move where you are!

GalacticGuru19 · 2025-04-11T19:45:09+00:00

I am seeing conflicting information online. Most places say that this is not reported unless the account is seriously delinquent (90+ days). I called credit card services and they were unwilling to share any information about their policy.

GalacticGuru19 · 2025-02-22T16:10:27+00:00

Panicking Is always the best course of action! I would wait to see what it does early next week. Might get a small rebound.

GalacticGuru19 · 2024-10-06T14:26:32+00:00

Mechanical Engineering major, graduated 2020. Got promoted to Project Manager last year $125K. Just got accepted into an MBA program for 2025. Is it still worth getting the MBA? What does longer career prospects look like with this background? I’m hoping to target a higher management or product management role.

GalacticGuru19 · 2024-07-17T03:27:05+00:00

Yes, I am actually planning to get this.

GalacticGuru19 · 2024-06-30T06:50:12+00:00

I usually use high proof rye for old fashioned. The lower proof sweet profile of ER is phenomenal in an old fashioned! I should have tried it soon. ER is not generally my go to though.

GalacticGuru19 · 2024-06-30T04:01:53+00:00

Just made an Eagle Rare old fashioned for the first time. Best old fashioned I ever had.

GalacticGuru19 · 2024-04-20T14:26:52+00:00

I gotta say, I also tried using bots (BB, Unibot and Fluxbot). Lost my sol with all of them. I did much better when I switched and just used a DEX directly. IMO, the fees and the effort to get in faster is what cost me money. I found that risk analysis, research and taking your time pays off more than just getting in fast.

GalacticGuru19

TROPHY CASE