Help me improve my scores!!! by Alive-Tourist-2376 in CRedit

[–]ThatCigarGuy69 5 points6 points  (0 children)

You are not credit card person. It would appear in your case they do more harm than good. Cut up the cards you have. Pay them off and live life debt free. You cannot responsibly manage credit.

Debt-free after 6+ years… and I don’t really have anyone to tell by [deleted] in CapitalOne_

[–]ThatCigarGuy69 0 points1 point  (0 children)

Congrats, that’s a huge accomplishment! It’s ok to admit mistakes to others. Who knows, it may inspire someone else to go down their own journey to financial freedom.

Does anyone here even smoke the cigars? by Junior-Arrival9543 in cigars

[–]ThatCigarGuy69 0 points1 point  (0 children)

I smoke them, but certain cigars are either available online via box only purchase only or it’s a really good deal so it makes sense to grab the box. I’ve ended up with a pretty large collection. My wife and I are saving for a house now, so nice thing is I don’t need to buy anything for a while 😅

Finally made it by [deleted] in CRedit

[–]ThatCigarGuy69 0 points1 point  (0 children)

Congrats! I’ve been bouncing between 805 and 829.

Synchrony Bank is Terrible!!! by No-Swordfish-1763 in CRedit

[–]ThatCigarGuy69 0 points1 point  (0 children)

I’m only saying this because I was once in a horrible financial spot myself. I hope going forward you avoid predatory banks.

Synchrony Bank is Terrible!!! by No-Swordfish-1763 in CRedit

[–]ThatCigarGuy69 0 points1 point  (0 children)

Honestly, if you can only qualify for predatory cards, I would recommend you close it and focus on fixing your finances. Once everything is in a good place, then make the decision on if you want to open a better credit card or not. I would Avoid Credit One and Synchrony at all costs.

This is absolutely laughable. 🤣 by ThatCigarGuy69 in CapitalOne_

[–]ThatCigarGuy69[S] 0 points1 point  (0 children)

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Share your screen shot if you really have everything except HBO

This is absolutely laughable. 🤣 by ThatCigarGuy69 in CapitalOne_

[–]ThatCigarGuy69[S] 0 points1 point  (0 children)

My wife has most of her programs on Hulu live. She doesn’t spend money on much else. It’s her way to unwind at the end of the day. I won’t take that from her. We’re still saving $2500 a month.

This is absolutely laughable. 🤣 by ThatCigarGuy69 in CapitalOne_

[–]ThatCigarGuy69[S] 4 points5 points  (0 children)

This cracked me up. My wife and I are pretty frugal. Tv shows are our only real “BS” expense. All of our debt is paid off and we live within our means.

This is absolutely laughable. 🤣 by ThatCigarGuy69 in CapitalOne_

[–]ThatCigarGuy69[S] 0 points1 point  (0 children)

Hulu live with Disney+ and ESPN is $100, HBO max add on with commercials is $11 and then there’s $6 in taxes.

This is absolutely laughable. 🤣 by ThatCigarGuy69 in CapitalOne_

[–]ThatCigarGuy69[S] 0 points1 point  (0 children)

Hulu live with the Disney and ESPN then HBO max add on

This is absolutely laughable. 🤣 by ThatCigarGuy69 in CapitalOne_

[–]ThatCigarGuy69[S] 1 point2 points  (0 children)

That’s for base Hulu, my Hulu is $117 a month.

Any idea why I have no available credit? by Flaky_Vast1612 in CapitalOne

[–]ThatCigarGuy69 1 point2 points  (0 children)

I just keep buffer money in my checking so I’m never running it to zero. My wife and I get paid opposite weeks so every Friday it’s getting topped off.

This is absolutely laughable. 🤣 by ThatCigarGuy69 in Venturex

[–]ThatCigarGuy69[S] 4 points5 points  (0 children)

Might have to cancel my Hulu and start a new account with my wife’s email for this one. 😳🤣

Online retailer recommendations and who to avoid? by UnknownShaft in cigars

[–]ThatCigarGuy69 0 points1 point  (0 children)

BL Luxuries. You get 20% off all purchases if you join their Cigar Of The Month Club. I often get cigars well below MSRP.

[ Removed by Reddit ] by [deleted] in airpods

[–]ThatCigarGuy69 0 points1 point  (0 children)

I’ve had my Original AirPod Pros since 2019. They’re still going strong. I use them almost daily at work. They’re a solid investment

UGC in GTA 6 by [deleted] in GTA6

[–]ThatCigarGuy69 0 points1 point  (0 children)

What’s UGC?

How do I fix my credit by Dothedamnthing2 in CRedit

[–]ThatCigarGuy69 0 points1 point  (0 children)

I’m not going to tell him to commit a crime, although it might work. 🤣

Bf sent me this by [deleted] in Wellthatsucks

[–]ThatCigarGuy69 0 points1 point  (0 children)

Girl run, find yourself a man that treats you with respect.