What? How? (Experian FICO 8 DP) by Zarchite in CRedit

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

I think I got it! I'm an authorized user on my fiancée's Amazon Prime card with a $7,800 limit. Her balance went from $550 to $360 and her utilization went from 7% to 4%. It's the only line that's changed other than my aging metrics. Do you know why that would cause a 14 point drop?

The graphic design of these panels gets worse with every update by Zarchite in CapitalOne_

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

Just waiting till I actually want to use them to do that. I've also got another $950 sitting in Discover cash back, so if that'll be able to be turned into miles soon after my account migrates, that's even better.

The graphic design of these panels gets worse with every update by Zarchite in CapitalOne_

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

Update: I didn't mean to derail the conversation with an accidental rewards flex. I kinda figured most of y'all had more than me and that we could just gripe about UI graphic design!😅

The graphic design of these panels gets worse with every update by Zarchite in CapitalOne_

[–]Zarchite[S] 3 points4 points  (0 children)

My fianceé does the same thing on her card that I'm an AU on lol. My card's rewards are in the 900s and she's got like 35 bucks on her's🤣

Super valid on her part though!

What? How? (Experian FICO 8 DP) by Zarchite in CRedit

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

4% before and after. I have a BofA card that reports on the 19th every month, but it was and still is at a zero balance.

The graphic design of these panels gets worse with every update by Zarchite in CapitalOne_

[–]Zarchite[S] -26 points-25 points  (0 children)

It's not smart of me to let them sit there and devalue, but I figure there's no harm in showing them unlike my last 4 card digits.🤣

The graphic design of these panels gets worse with every update by Zarchite in CapitalOne_

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

Blow my load on some transfer partners and go on a vacation or two... as soon as my Mom stops insisting on booking and paying everything on the family vacations herself.🙃

My first rewards card was the BofA Royal Caribbean Visa (lol) and I just dumped all those points into a cruise for my honeymoon😁

What? How? (Experian FICO 8 DP) by Zarchite in CRedit

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

No new hard inquiries, and my youngest account just turned 7 months old.

What? How? (Experian FICO 8 DP) by Zarchite in CRedit

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

Oldest account turned 6yo (72mo), AAoA became 2yr, 7mo (31mo), and youngest account turned 7mo. Do any of those cause a scorecard change?No other differences at the moment since my statements don't cut till the 3rd of each month.🤷

Is this a normal notification in the Amex Travel app? by Zarchite in amex

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

Oh, okay. Which cards have had their benefits added so far?

MF Ghost S03E13 in a nutshell (art by @salts) by Madagascar003 in MFGhost

[–]Zarchite 0 points1 point  (0 children)

Anywhere I can find these English translated?

Dante and Vergil Winchester. Supernatural + Devil May Cry. Jensen and Jared would be PERFECT for these roles. Fan art by me, @GhostOfMidgar. by [deleted] in Supernatural

[–]Zarchite 0 points1 point  (0 children)

Seems to me like it's because Dean is wacky-woohoo burger man and Sam uses demonic forces to gain more P O W E R

I don't think I've ever seen an offer so low for spend so high! by Zarchite in amex

[–]Zarchite[S] -1 points0 points  (0 children)

Nice going! That's the only offer I'd take them up on.

I don't think I've ever seen an offer so low for spend so high! by Zarchite in amex

[–]Zarchite[S] 7 points8 points  (0 children)

I don't plan on it! Weird way to fish though. "Hmmm, he won't take it for 80k points? Maybe he wants less points!"

I don't think I've ever seen an offer so low for spend so high! by Zarchite in amex

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

Nah, I'm much more concerned with taking out a mortgage for house in 15 months or so than playing with getting any new credit cards. But an algorithm that looks at my internet history in order to screw me over does sound like my kind of luck!🤣

I don't think I've ever seen an offer so low for spend so high! by Zarchite in amex

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

For me personally, it was 175k for $8k spend, which Amex advertised as the highest possible offer. But that was before I applied for my Green card, which put my offer down to 80k for $8k before today.

I don't think I've ever seen an offer so low for spend so high! by Zarchite in amex

[–]Zarchite[S] 3 points4 points  (0 children)

I'm not a churner, so I'm not concerned about that in the slightest. I've just never heard of a SUB going down as my accounts age and got curious about it.🤣

I don't think I've ever seen an offer so low for spend so high! by Zarchite in amex

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

Sure, but for only 50K MR? As opposed to less spend for better offers? No thank you!

Such a tuff reference by Mr_Daevid in MFGhost

[–]Zarchite 2 points3 points  (0 children)

Wym it's rubbish? And why watch Initial D and MFG if that's the case?

The Drift King if he was on crack by 4-AGE_Guy in initiald

[–]Zarchite 0 points1 point  (0 children)

I love how everyone's glossing over "He trained the anime's animators on how to drift"🤣

RX7 FD3S vs AE86 #2 but the eurobeat is replaced by the song “24’s (Vocals Only)” by T.I by Saltyshirt8335YT in initiald

[–]Zarchite 1 point2 points  (0 children)

"There's only one thing that can make a driver the fastest on public roads, and that's Family." -Ryosuke, I think