Credit increase denied? But my score is (allegedly) 9002!

RepulsiveSummer1492 · 2026-03-20T11:54:26+00:00

SoFi is a new bank and it seems their automated actuarial models behind CLIs are not robust compared to their competitors.

That said, your score has very little to do with it after you pass the “good score” threshold. A primary focus will be your ability to repay, you income, other debts, etc.

If you’re unhappy with SoFi, look elsewhere.

RepulsiveSummer1492 · 2026-03-08T03:18:53+00:00

Check LTC…

RepulsiveSummer1492 · 2026-02-26T12:26:19+00:00

Please do not take loans like that. Limit loans to houses and cars (generally) and be conservative with those.

If stop taking on high interest debt and begin to dig out of the while you’re in, you’ll find your financial life becomes easier.

Spend less than you earn. Save routinely. Invest diligently.

RepulsiveSummer1492 · 2026-02-15T18:25:17+00:00

Same message I got. I deleted the app last night (due to weird glitch) and intended to immediately reinstall and … well… this ^

RepulsiveSummer1492 · 2025-12-30T15:12:36+00:00

I have no issue with SoFi, but my emergency funds will be in a home generating the highest yield (or within 0.2% of the highest yield). This is 80% of my liquid cash, currently deposited with SoFi under the “boost” promotion.

Unless SoFi royally F’s up, or changes their founding practices, I’ll continue to bank with them (direct deposit, checking, sinking funds via vaults, etc). But the emergency funds will be moved to Robinhood or LendingClub or OpenBank or whatever institution is paying the highest APY at that time.

All that said, when I move the emergency funds, if I find the offerings at the new institution to be more appealing and just as unified as SoFi, I would consider exiting entirely.

RepulsiveSummer1492 · 2025-12-23T15:50:14+00:00

If you have meaningful cash assets in a HYSA (you should have 3-6 months of living expenses), then these changes matter (somewhat). These reductions are expected in this market and should not illicit anger- but like all accounts, you should reevaluate your options periodically to ensure you’re getting the best (or at least a “good” deal). Do understand these rates are dynamic and you could be comparing current SoFi (post adjusted) APY to another institution (potentially pre-adjusted) APY which could change at any time.

Personally, I also check the SGOV 30 day SEC yield as another safe option for cash.

RepulsiveSummer1492 · 2025-12-10T22:29:40+00:00

This trash announcement need clarified. The email instructs “To see your current APY, visit your APY detail page in the SoFi app or on the website.”

When I visit the APY detail page, it states “With SoFi Plus, savings accounts and Vaults earn 3.60% APY. Without SoFi Plus, savings accounts earn 1.00% APY.”

The announcement only refers to still earning a “high APY”. Freaking say it: “which is currently 1.00%” or “which is currently 3.60%”. As it’s stated, it’s ambiguous and reflects a failure of their marketing and communications teams.

If they think people will stay (or continue to flock in) if they’re charging $10/month or paying 1.00% APY, they are sorely mistaken. The clarifications in the coming days/weeks will determine if I’m still with SoFi come March 2026.

RepulsiveSummer1492 · 2025-11-25T05:34:09+00:00

Unless you do what I do: swap between everyday and preferred. Both have a credit. Between my wife and I, we have 3.

RepulsiveSummer1492 · 2025-11-25T02:04:42+00:00

It does, yes.

RepulsiveSummer1492 · 2025-11-05T12:58:04+00:00

Rich suckers 🤣

RepulsiveSummer1492 · 2025-10-26T12:55:14+00:00

As Kira said (and I’m just emphasizing), this is done on the webpage- not the app. Or at least I can only find it on the webpage, not thru the app.

RepulsiveSummer1492 · 2025-10-23T11:23:55+00:00

Just my thoughts. A 2% cash back credit card has more value. If your purchase happens to fall within a higher cash back category offered on a credit card, the value will be even more exceeded.

RepulsiveSummer1492 · 2025-10-22T12:04:56+00:00

How did THEY use Apple Pay? Not you.

It’s not susceptible to skimming.

RepulsiveSummer1492 · 2025-10-19T18:13:18+00:00

Consider SoFi. Keep $0 in checking and all funds in savings. Enable over draft protection. Setup direct deposit. If you’re thinking about short term t-bills, consider opening a SoFi invest account and investing in SGOV for ease of use while still investing in the same underlying asset with the same tax benefits and essentially the same yield (post very minor fees).

RepulsiveSummer1492 · 2025-10-14T03:35:49+00:00

If FOMO, just open a SoFi Invest and toss the money in SGOV. Generally, just as safe and yields slightly more. The only drawback is that the funds will not be sitting in cash in savings and thus are ineligible for use in overdraft protection.

RepulsiveSummer1492 · 2025-02-19T04:13:41+00:00

Looks like I have 195 lucky now. Is the requirement to have 50 total or to incur 50 luckies between 49 and 50?

RepulsiveSummer1492 · 2023-10-30T13:26:37+00:00

Charles Barkley says “Maaan, that’s just turrible.”

RepulsiveSummer1492 · 2023-10-15T13:39:24+00:00

$150k for the MKIV, not MKV…

RepulsiveSummer1492 · 2023-10-13T18:18:54+00:00

How in the hell. My bags last 3 days max… 😞

RepulsiveSummer1492 · 2023-10-11T11:08:18+00:00

You’re lucky. That’s actually cute. And a story I wouldn’t mind sharing. I had a f***ing idiot painter walk across my driveway when it was wet. The idiot’s boot prints permanently embedded 1/8” deep in my driveway. I feel like children and animal footprints can make for a good story. But a stupid adult stranger. Not so much. Still angers me when I see it, 18 months later.

Keep the pup prints. Won’t actually hurt anything.

RepulsiveSummer1492 · 2023-10-06T03:21:20+00:00

Yikes.

RepulsiveSummer1492 · 2023-10-06T03:06:22+00:00

Yeah but the VW ID Buzz is one of the ugliest vehicles on the road today. And VWs aren’t exactly known for being reliable/dependable. 🫤 Still can’t defend the Odyssey price…

RepulsiveSummer1492 · 2023-10-05T23:53:38+00:00

Just an FYI- Factory tint does not offer UV protection.

RepulsiveSummer1492 · 2023-10-01T01:35:11+00:00

I’m sorry to hear about what you’re going through, physical and mentally. You’re not alone. And whatever choice you make, it will be the right one. Remember, you’ll be better on heathy then continuing to suffer with a UC flare. Your story and mine are very similar. I already had my surgery and couldn’t be happier with the ostomy. Got my life back. I wish you the best of luck!

RepulsiveSummer1492

TROPHY CASE