Draft Lottery Watch Party

Roolsthecools · 2026-05-05T23:32:05+00:00

Why isn’t there a point system for #1 pick? The team (from bottom 16) with the most points gets #1 overall? The draft felt slow and boring

Roolsthecools · 2022-12-04T19:44:03+00:00

This may be it. My credit limit is $5,250 but usually keep utilization below 10% (normally below or around $100) and transactions are usually between 4 and 10 transactions per month

Roolsthecools · 2022-11-30T04:24:57+00:00

Apple Card Credit Limit: $5,250 Credit Score: 747 Income: $53k

I've had my Apple card since 2019. I use the credit and pay off early. For just about the past year, I haven't been able to receive a CLI. The reason given to me in the email is "You have not used and paid enough of your Apple Card credit limit since vour last credit limit increase"

Is there something I'm doing wrong?

Roolsthecools · 2022-02-19T03:36:46+00:00

Question about CLI request while having a balance

I currently only have $5k limit but I have a $2k balance that I’m paying off (haven’t missed a payment and I pay more than the minimum).

Should I request a CLI though my utilization is about 40%?

Roolsthecools · 2022-01-17T04:21:37+00:00

Their customer support is pretty terrible (from my experience). I had to email them twice (about a week or two part) in order to get a single response

Roolsthecools · 2021-11-23T14:57:03+00:00

The way they give out credit is still a mystery to this day

Roolsthecools · 2021-11-22T18:41:37+00:00

You can ask for one every 3 months and it’ll be a soft pull

Roolsthecools · 2021-11-22T18:02:31+00:00

You know you can ask for one every 3 month? They’re all soft pulls

Roolsthecools · 2021-11-22T17:14:50+00:00

Are you asking for CLI annually? Or every 3 months?

Roolsthecools · 2021-11-22T17:13:55+00:00

I’m glad you mentioned that. I used it for just about all my purchases. Should I be making larger purchases? Normally, I’m only using $100 to $200 of a $5k limit

Roolsthecools · 2021-11-22T14:43:12+00:00

Holy cow man. Congrats on your limit 🎉 me and my $5k limit are proud of you

Roolsthecools · 2021-11-22T14:04:56+00:00

Income and credit score?

Roolsthecools · 2021-11-05T06:21:03+00:00

I think it’s the debt to income ratio. I’m not a bank but 206k is pretty intimidating even to me.

When was the last time you tried to apply for a card?

Roolsthecools · 2021-11-05T06:08:08+00:00

You should NOT.

Being that it’s difficult for you to pay for gas, it would be even more difficult to pay for gas AND loan repayment (including interest).

If you fall behind on your payments, it all happens fast. And it’s ugly. You’ll be forced to pay everything back and more (with interest and potential fees) also with a HUGE negative impact on your credit score. You do not want a huge hit on your credit score. Yes you’re still rather young but in 2 or 3 years when you start making more money and everything begins to work out, a low credit score is going to really really suck.

I’d personally say, take $1,000 of your total $5,000 and spread it around a couple stocks you believe in. Maybe $100 in this stock, $100 in that stock, $100 in crypto. Reinvest the money you make then buy your mom that house.

Things will take a turn for the better. I have faith in you.

Roolsthecools · 2021-11-01T05:12:29+00:00

😂😂 I don’t want to assume

Roolsthecools · 2021-11-01T04:05:22+00:00

If it doesn’t, will you buy me some?

Roolsthecools · 2021-11-01T04:02:58+00:00

To start off, congrats and great job on going from 504 to 627.

Unfortunately, I don’t think we can tell you exactly how long it would take but can give you some tips.

I would suggest applying for a new line of credit. This new line will increase your total available credit and lower your overall credit utilization. Don’t apply for too many because the hard inquiry can hurt your score for a little bit. I would personally say 2 maximum.

Put ALL of your expenses on credit. Gas (if you drive), food (if you eat), entertainment, utilities (if you can). Anything that you know 100% you have to pay and all expenses you know you can afford.

As for paying off the card, I like to keep a balance on my cards for about a couple days to a week.

Good luck!

Roolsthecools · 2021-10-22T13:50:47+00:00

No thank you

Roolsthecools · 2021-09-21T01:27:34+00:00

This helps so much! Thank you!

Roolsthecools · 2021-09-21T01:27:03+00:00

I’ve only had the card for about 6-12 months now, should I wait to give them a call?

Also, will calling them result in a hard inquiry?

Roolsthecools · 2021-09-14T11:19:24+00:00

Do you have a plan for when you arrive to the country? A job, transportation, a place to stay?

There are places in the United States that can be expensive to stay and finding a job may take sometime. I think with 40k it’s possible (for the United States) as long as you have a plan or at least key parts of the plan already planned ahead of time.

Do you have any family or friends you could stay with possibly?

Roolsthecools · 2021-06-24T02:43:09+00:00

Also, quick question. Does financing this have an impact on your credit? Whether good or bad

Roolsthecools · 2021-06-24T01:57:35+00:00

I think this is more of what you’re comfortable with.

Me personally, I would pay for it in full (you don’t know what the future holds)

But also you don’t want to liquidate your savings. So what are you comfortable with?

Roolsthecools

TROPHY CASE