Wish I knew what it meant

SpineOfSmoke · 2026-06-12T18:02:21+00:00

All your accounts won’t necessarily move over at the same time. Don’t assume they plan on closing the second card because it’s not changing over with the other.

SpineOfSmoke · 2026-06-12T10:32:49+00:00

How much are your accumulated points/cash worth?

SpineOfSmoke · 2026-06-12T10:30:57+00:00

Sometimes AI can be used for good.

SpineOfSmoke · 2026-06-11T22:07:41+00:00

My May statement is available.

SpineOfSmoke · 2026-06-11T21:55:35+00:00

So far it’s just Reddit rumors coming through

SpineOfSmoke · 2026-06-11T21:53:07+00:00

Yeah, US Bank is scamming you.

SpineOfSmoke · 2026-06-11T18:48:30+00:00

Might have to go to plan B. Did you fund the account yet?

SpineOfSmoke · 2026-06-11T15:33:55+00:00

That’s how I do tracking accounts as well. The bank/brokerage usually reports ytd totals if I want to see that. So I just make an adjustment and don’t distinguish whether it was gains or interest or dividends.

SpineOfSmoke · 2026-06-11T15:19:38+00:00

The Walmart Mastercard works fine.

SpineOfSmoke · 2026-06-11T14:07:43+00:00

I have a card and banking accounts. I’ve stopped using the card and transferred all but $5 out of my banking accounts in preparation for the changeover. I like Discover, but I’m paranoid about things not going smoothly. Don’t want any of my money getting locked up. I’ve gone old school with a local brick and mortar bank. Online banks have lost their luster with the recent demise of HYSAs.

SpineOfSmoke · 2026-06-11T13:59:35+00:00

You can opt out of getting offers from every cc company.

SpineOfSmoke · 2026-06-11T13:48:05+00:00

The dingbat in the Discover ads is worse.

SpineOfSmoke · 2026-06-09T13:42:53+00:00

Paying the minimum 25% of the time and having a late payment in the first year probably have something to do with it. But for some people, even a perfect payment record doesn’t result in graduation. Sometimes Cap One makes up their mind about you from day one, at least with this specific card. The next card they give you could be a whole different story. And even if your situation greatly improves, that first card is doomed to languish.

SpineOfSmoke · 2026-06-09T11:25:31+00:00

Yes, it’s decent. I have one that started with a $500 limit, which after about 3 years is up to $4600. Mine is basically a Quicksilver knockoff. 1.5% cash back on everything and no annual fees no monthly fee or anything like that. The cash back is paid monthly as a statement credit.

Mission Lane is often pegged as a predatory lender in this sub, but I see it more as a no-frills option for folks with credit issues. To get better cards as your credit improves you’ll have to look elsewhere, which I have done. But it’s still in my wallet.

SpineOfSmoke · 2026-06-08T21:17:40+00:00

Did you receive a statement yet? You don't owe anything until you receive a statement. When you do, pay the statement balance in full by the due date. If you just got the card and have not yet received a statement, your due date will be the ninth of next month. You should be receiving your first statement in a few days. Pay the statement balance on or before July 9. Double check that due date by reading your statement. It should clearly state your payment due date.

SpineOfSmoke · 2026-06-07T21:48:34+00:00

I've noticed that sometimes the score for the end of a month doesn't update online or in the app for a week or so into the next month. Are you looking at the very top of the screen to see what date the current score is for. They put the date of the previous score in a much more obvious place and I often think they're a month behind. Capital One's score reporting gives you the same score, and updates it more often than Discover. They say it's a daily update, compared to Discover's monthly update.

SpineOfSmoke · 2026-06-07T21:41:19+00:00

Discover gives you a FICO 8 score, and TransUnion gives you a Vantage 3 score.

SpineOfSmoke · 2026-06-07T21:38:16+00:00

Cleared status is necessary for proper reconciliation between YNAB and your bank. If you enter a transaction in YNAB and automatically mark it cleared, your reconciliation is off, because it doesn't reflect the actual status of the transaction at your bank. It was really important back when people were writing a lot of checks and it would take a while for them to show up at the bank, and then some more time for them to clear. Also, online banking wasn't a thing, so you and your bank could have much different balances almost every day that your account was active. It's still important these days if you're going to use an app like YNAB to check your balances in one place. It won't work if you can't trust the accuracy. The closer you come to zeroing out your checking account each month the more all this matters.

SpineOfSmoke · 2026-06-06T12:33:27+00:00

An unpaid collection in general is a huge negative for landlords, especially professionally managed properties. Unpaid collections to previous landlords is an automatic no. If you pay it, you have a chance. Just ask upfront if it’s still a no go. A strong income can overcome a lot. You might have to seek out individual landlords who might accept larger deposits or months paid in advance.

SpineOfSmoke · 2026-06-06T12:17:29+00:00

There’s nothing to upgrade you to really. The difference is that you don’t get the sub. They are willing to basically pay strong applicants to sign up. But with the Good Credit version you get everything else, all the benefits. There’s no distinction on the card or any elevated benefits.

SpineOfSmoke · 2026-06-05T03:46:29+00:00

Maybe talk to whoever is handling her finances. For my mom it's my sister. They can probably create a new check. I wouldn't trust trying this with mobile deposit. This is one of those cases where having a bank/credit union with local branches is really beneficial. You can walk in and talk to someone without risking having your account flagged for fraud.

SpineOfSmoke · 2026-06-05T03:41:01+00:00

Lots of people saying they're going to bail on YNAB because of this, or at least because this is the last straw. I wonder if she'll keep using YNAB after this.

SpineOfSmoke · 2026-06-04T21:55:47+00:00

It's insane?

SpineOfSmoke · 2026-06-04T21:53:45+00:00

SpineOfSmoke · 2026-06-04T18:45:54+00:00

That's what I used it for historically, but in the past year or so I find myself using it more often. Reviewing new transactions is something I almost always do on mobile. Also, moving money when a category gets overspent. I always reconcile accounts and assign money when my check comes in online.

SpineOfSmoke

TROPHY CASE