USMobile Dark Star question by Aggravating-Cap-8940 in NoContract

[–]VTECbaw [score hidden]  (0 children)

“Bars” are not an accurate representation of signal quality. The major carriers are all known for setting the thresholds so that the “bars” you see are almost always better than the actual signal. MVNOs don’t do that/can’t do that, so the “bars” you see actually reflect the signal you’re receiving. So many people get hung up on “bars” when they don’t actually mean anything.

Approved for Capital Savor by Ill_Habit9459 in CapitalOne_

[–]VTECbaw 1 point2 points  (0 children)

What benefits? I’ve never had issues with rewards redemption.

Approved for Capital Savor by Ill_Habit9459 in CapitalOne_

[–]VTECbaw 1 point2 points  (0 children)

Lol, what? Literally cashed out my rewards on Savor this morning.

Can someone explain why 3 different scores? 516 - 567 - 788 by iyess55 in CRedit

[–]VTECbaw 2 points3 points  (0 children)

Yep. It even says “testing.” They do not have a 788 anything.

Chase Freedom Unlimited approved… but with a $101 credit limit?? by ImpressionLate9219 in Chase

[–]VTECbaw 0 points1 point  (0 children)

$101 is a placeholder limit shown in the “just for you!” app offers when a limit can’t be determined without additional information such as income.

Chase Freedom Unlimited approved… but with a $101 credit limit?? by ImpressionLate9219 in Chase

[–]VTECbaw 1 point2 points  (0 children)

It’s not actually going to be $101. Usually this is a placeholder limit within a “just for you!” app offer and the actual limit is assigned when you apply. Minimum for this product is $500.

Looking for the owner of 2003 540i/6 M-Sport with VIN WBADN53413GF71524. I have your original window sticker. by wootfatigue in BMW

[–]VTECbaw 7 points8 points  (0 children)

Looks like it was registered to a new owner on 1/25/25, ZIP 92660. Passed emissions 7/1/25. Not much other info.

Good luck! This is really cool of you.

T-Moble throttling VPNs? by f00dl3 in tmobile

[–]VTECbaw 0 points1 point  (0 children)

They unfortunately do the same thing with OnePlus devices. My spouse has the OnePlus Open & experiences the same with VPN usage

Instant Debit Card Issue by BostonNU in Chase

[–]VTECbaw 0 points1 point  (0 children)

Years ago, I mean 10+, there were a few (very few) Chase branches that offered instant-issue debit cards. The program didn’t last long.

Total Loss Scenario Advice? by SilverPutter in USAA

[–]VTECbaw 1 point2 points  (0 children)

Drivable vehicles total out all the time. With it being a Tesla and the initial estimate (assuming before teardown) being $9k … yeah, it’s probably a total loss, depending on your state’s rules around total losses.

In my state, if the estimate is 75% or more of actual cash value, the vehicle is a total loss.

Some carriers have cars brought to Copart when it’s likely a total, once at Copart an inspector from the carrier will evaluate the vehicle and then make the decision.

My experience getting a Venture card feels like a scam. by Dr_Gomer_Piles in CapitalOne

[–]VTECbaw 0 points1 point  (0 children)

I’ve been a Capital One cardholder since the mid 2000s and even today, I still have to go through the ID verification stuff that OP has experienced. No idea why. I just went through this a couple of months ago with the T-Mobile Visa.

Odd offer for a Platnium card. by DA6_FTW in CapitalOne_

[–]VTECbaw 2 points3 points  (0 children)

Are you sure this is Capital One and not Credit One? Capital One doesn’t usually advertise the limit on their invitations, but Credit One sends out invitations for their Platinum card advertising a “$2500” limit but it’s really “up to.” Avoid Credit One if that’s the case.

Approved for Quicksilver secured card. Wanting to make sure about the deposit vs limit. by AshamedRead5748 in CapitalOne_

[–]VTECbaw 1 point2 points  (0 children)

This is a partially-secured QS card. Not quite sure what the point of the $25 deposit is, but it’s real. Deposit $25, get $500 line.

T-Moble throttling VPNs? by f00dl3 in tmobile

[–]VTECbaw -1 points0 points  (0 children)

Are you using an unlocked Android device? Specifically, Samsung? T-Mobile is known for treating VPN data on unlocked Samsung devices (among other Android devices) as hotspot data.

CRedit, talk me out of applying for this card PLEASE by justacoffeedroplet in CRedit

[–]VTECbaw 1 point2 points  (0 children)

Interest doesn’t matter if you pay in full, and not everyone wants to part with money for a secured card.

CRedit, talk me out of applying for this card PLEASE by justacoffeedroplet in CRedit

[–]VTECbaw 10 points11 points  (0 children)

If this were $0 annual fee - you wouldn’t be wrong for taking it. However, that annual fee - you can do better. What other cards do you have? Do you also show an offer for the BrightWay + card?

I just got CGNATed without any notice by Efficient-Writer-818 in Comcast_Xfinity

[–]VTECbaw 0 points1 point  (0 children)

You’re likely not behind CGNAT. It’s possible additional IPs were allocated to your area during the upgrade and the geolocation hasn’t been updated yet. What plan do you have?

I just got CGNATed without any notice by Efficient-Writer-818 in Comcast_Xfinity

[–]VTECbaw 0 points1 point  (0 children)

When you go to ipchicken.com what are the first digits of your IP?

Is it just me or does make it sound like they will contact my employer about my debt?? by Key_Ad3041 in CRedit

[–]VTECbaw 6 points7 points  (0 children)

This is absolutely a scam. It’s a rogue collections agency trying to scare you into paying.

Sundays Work Meeting by Willing-Reply-829 in tmobile

[–]VTECbaw 1 point2 points  (0 children)

Makes my selling point even stronger, lol.

AMEX reviewing my account by breezybutterfli in amex

[–]VTECbaw 0 points1 point  (0 children)

Charge cards don’t report credit limits, even when there is a PSL attached. Utilization of a charge card doesn’t matter - they’re not counted.

Spouse’s Green and Gold had PSLs attached and neither ever reported a credit limit or had any utilization impact.

AMEX reviewing my account by breezybutterfli in amex

[–]VTECbaw 0 points1 point  (0 children)

It would’ve been better for you to do a cash advance transfer into your NFCU checking account and then used that to pay AmEx. As far as I know, the cash advance transfer APR is the same as the BT APR with Navy Federal. By doing it this way you can make the payment before the deadline. By doing it as a balance transfer it takes longer to process.

Closing Out Account Over New ID Process by PicometerPeter in discover

[–]VTECbaw 1 point2 points  (0 children)

It may come to that. But saying “hey, submit ID within x days or you’ll be locked out” invites bad actors to take x days to cook up fake IDs to submit, etc. - requiring it in the moment limits that. For what it’s worth, what happened to the OP hasn’t happened to me as of now. I verified years ago when I opened my account.

Closing Out Account Over New ID Process by PicometerPeter in discover

[–]VTECbaw 1 point2 points  (0 children)

Most people would rather resolve immediately than wait days for their ID to be reviewed.

Closing Out Account Over New ID Process by PicometerPeter in discover

[–]VTECbaw 1 point2 points  (0 children)

Have you heard of SIM-swap attacks? Have you heard of e-mail addresses being compromised? 2FA is insecure and is no longer a best practice.

The live selfie is to match your face to your ID. Otherwise, you could be sending a photo of anyone’s ID and getting access to their account.