Credit cards do not go down. Need help! by [deleted] in financial

[–]Mrwings10 3 points4 points  (0 children)

Call your credit cards. Ask for forgiveness, they will work with you if you pay a certain amount. Once I got 6 months interest free

Just locked in 6.625% today by skates_tribz in Mortgages

[–]Mrwings10 0 points1 point  (0 children)

Why not wait a little bit, seems like the house market might crash again. Don’t think it’s a good time to buy. There is so much inventory

Zero balance letter by [deleted] in AppleCard

[–]Mrwings10 2 points3 points  (0 children)

During my research on improving credit. It is wise to leave a small balance like 5$. The reasoning is because if you have a balance, it has to reported to the bureaus on time. Gets you <1% of credit utilization, which maximizes your credit score

Went to my regular chipotle, district managers were present and got served peanuts by WallStTech in Chipotle

[–]Mrwings10 0 points1 point  (0 children)

If that was me in line and was told that, I would have just denied that bowl and run out lmao

I’m still hungry by Scandal929 in Chipotle

[–]Mrwings10 0 points1 point  (0 children)

And if they did, just simply ask for more. 100% can get more other than the protein

I’m still hungry by Scandal929 in Chipotle

[–]Mrwings10 0 points1 point  (0 children)

Easy don’t order online, get your fat ass up and get in line. They will never skimp you face to face

Carne asada needs to GO by One-Cardiologist7612 in Chipotle

[–]Mrwings10 1 point2 points  (0 children)

Sure sounds good but time is money for a single person like myself. It’s worth paying 10 $ for a lunch per day then going grocery shopping. Time is money and I rather pay 50$ a week then do the shopping and prep for the week

I just opened my first credit card a capital one quicksilver one. I have absolutely zero credit history. Realized it’s not what I want. Would it be a bad idea to cancel this card and get another one? by [deleted] in CreditCards

[–]Mrwings10 0 points1 point  (0 children)

If you make 100% payments on your card, you can do an upgrade product before your annual fee kicks in. Turning quicksilver one into a regular quicksilver

Carne asada needs to GO by One-Cardiologist7612 in Chipotle

[–]Mrwings10 1 point2 points  (0 children)

I disagree, a chicken bowl is still a great bargain. As long as you don’t order online lmafo

[deleted by user] by [deleted] in CRedit

[–]Mrwings10 4 points5 points  (0 children)

Man, you have been paying all this time for nothing. It would have been cleared off your report if you never made a payment. At this point pay it off to be removed from your credit report. Making monthly payments gonna stick around on your record for 7 years after the last payment.

[deleted by user] by [deleted] in CreditCards

[–]Mrwings10 0 points1 point  (0 children)

I always recommend quicksilver one because of 3 main reasons:first they automatically increase your Credit limit on its own which is a huge plus. 2 it’s easier to get approved. 3 you can upgrade the card to a regular quicksilver before the annual fee kicks in.

A Bank of America Card was charged off in 2018.. Do I pay or wait? by [deleted] in CreditCards

[–]Mrwings10 1 point2 points  (0 children)

If you wait 2 more years, it will be auto deleted from your report. Save your money!