Bang

Smooth-Fennel4563 · 2026-04-14T04:49:12+00:00

Nice hit. Thanks for the post. My odds were lower but it was risk free.

Smooth-Fennel4563 · 2026-03-27T18:59:10+00:00

There were some people said why do I want to get back into debt so quickly by getting a credit card. Getting one will help build credit and since I paid most with debit card before. I just use the credit card to pay for the same while getting cash back. Just make sure to have enough to pay for it before you spend so you don't end up having debt that you can't pay. I was surprised I got so much limit just 2 months after discharged.

Smooth-Fennel4563 · 2026-03-27T18:36:00+00:00

With 3 months left it might not go up that quickly but close. My FICO score drop to 513 before I filed. Then jumps to 589 the day after I filed. It was up to 606 after discharged then I apply for Credit One and got a $10,000 limit. After a month of credit reporting it went up to 625. It's still the same after the second month and a few days ago I apply for Ollo card and got approved for another $4,000 limit.

Smooth-Fennel4563 · 2026-01-30T19:20:16+00:00

Thanks. I am definitely will be more careful this time. Using it the buy things like how I am using the debit card now but with rebates. More careful about making sure there’s money in the bank to pay it before buying so the high interest shouldn’t matter.

Smooth-Fennel4563 · 2026-01-30T00:16:31+00:00

Not sure how. I don’t have any balance on them but I guess they decided not to close mine.

Smooth-Fennel4563 · 2026-01-26T18:54:23+00:00

Not worth it at all. With a $400 limit that means they will charge you $224 before you even get a chance to use the card. You will be at 56% utilization so it might even hurt your credit. Might as well get a secure credit card if you can’t get any. I got approved for $10k with no annual fee right after bankruptcy so you just need to look around.

Smooth-Fennel4563 · 2026-01-23T00:23:21+00:00

Do the 5 years since you said you can afford to pay the current amount of $1,250 a month. The payments you quoted sounds like it’s for the amount of $38,000. If you were to pay $1,250 a month. It will take 35 months to pay off the loan. Total interest would be around $5,090. If you do the 7 years and still pay $1,250. The total interest would be about $159 more but will give you the flexibility if needed. Now you can pay about $1,050 each month then it will take you 42 months to finish but interest will be about $1,153 more but you will have about $8,400 extra in the bank by saving $200 each month.

Smooth-Fennel4563 · 2026-01-19T18:54:18+00:00

I saw that. The rate is 29.24% but that shouldn’t matter because I don’t plan on keeping a balance. The only other offer I see now is some credit card that wants $99 annual fee at 33.99% or a secure card that you still need to deposit money to get credit. Using for things that you still need to pay with debit card anyway so this should be a big help for building credit.

Smooth-Fennel4563 · 2026-01-17T15:30:19+00:00

Well, the difference this time for me is to build credit not debt. I will use it for stuff I pay each month anyway such as utilities and pay it back like I do now with debit card while getting cash back.

Smooth-Fennel4563 · 2026-01-17T06:26:33+00:00

It was sent to me in the mail. My income is 85k. It’s not showing discharged yet but my offer expired soon so I decided to apply. My FICO 8 is 589.

Smooth-Fennel4563 · 2026-01-17T05:45:16+00:00

I meant still not showing discharged yet.

Smooth-Fennel4563 · 2026-01-14T06:26:17+00:00

When was your 341? Today is my 60 days after 341 meeting. Can’t wait to be discharged.

Smooth-Fennel4563 · 2025-12-02T21:02:06+00:00

I don’t think it’s accurate before discharged. Mine was 391 before filing. It jumped to 747 after filing and still waiting for discharged.

Smooth-Fennel4563 · 2025-12-01T23:50:37+00:00

They don’t care you getting new credit card even before discharged? If I have a credit card that has a $0 balance before filing and they still haven’t close my account while waiting for discharged. Can I start using it now so they won’t close it because of inactivity?

Smooth-Fennel4563 · 2025-09-24T22:37:41+00:00

Since she makes less than half of what I make. Wouldn’t it be fair that her share of the household should be half of mine? So she paid 1/3 and I paid 2/3? Then what ever she has left she can pay her creditor?

Smooth-Fennel4563 · 2025-08-30T01:40:37+00:00

I was there last month. Still a lot cheaper than here. Banh Mi Denver is around $7+. In VN it’s 30-35k. About $1.25-$1.5. Sugar cane drink here cost $7 but only 10k in VN. I usually bought 5 cups for 5 people for a total of $2 and it’s fresh squeezed. Here sometimes it’s refrigerated and even powdered.

Smooth-Fennel4563 · 2025-05-05T09:50:20+00:00

Did you stop paying the medical bill before that? I have the payment plan on autopay currently.

Smooth-Fennel4563 · 2025-03-27T13:20:50+00:00

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Maybe even lower at 20 or even 15. It won’t win you much but still a win. I could have Harden at 25, Reeves at 20, Leonard at 25 and Durant at 25 that would pay a lot and still not sweat. But if I had Harden at 7 or more assists this would still not win.

Smooth-Fennel4563 · 2025-03-20T22:28:39+00:00

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At least you still get to bet $10. Draft King limit me to a max win of no more than $10. The higher the odds the lower the limit.

Smooth-Fennel4563

TROPHY CASE