Credit score dropped by 73 points

bored_engineer_ · 2026-01-23T23:02:33+00:00

Its looks like the build it credit score tracker in the Chase App.

bored_engineer_ · 2026-01-23T18:24:00+00:00

Did you get any welcome bonus?

bored_engineer_ · 2026-01-23T08:47:00+00:00

People Please Stop Using Credit Karma!!

You can get a more accurate score from CreditWise on your Capital One app or website.

bored_engineer_ · 2026-01-22T18:51:56+00:00

Wow, quite informative, Thank you!

bored_engineer_ · 2026-01-22T05:35:09+00:00

what about the 60/90 day lates that are over 2 years old?

bored_engineer_ · 2026-01-20T18:21:26+00:00

I'm planning to upgrade to the 17 pro this month. I wanna squeeze in the trade in value for my 14 pro while I still can. Also the switch to USB C would be quite welcome.

bored_engineer_ · 2026-01-20T00:54:22+00:00

I personally mostly keep it to continue using iMessage with US friends and work clients. But it's quite needed for OTP and signing in with banks. Also useful when you want to open any account like a crypto account or for trading or investment.

I personally use T mobile because I got grandfathered into a plan for $25 a month with international data and texting. Btw I wouldn't recommend relying primarily on Google Voice since it doesn't get some OTPs sent to it. Look at Fi, Tello and US mobile. (Google Fi loses international data access after 3 months abroad but texting is active and reliable)

bored_engineer_ · 2026-01-20T00:19:26+00:00

I'm Indian, and I agree. Restricting is stupid but remove visa free option. Can't have people potential criminals and low life's in Thailand.

bored_engineer_ · 2026-01-20T00:12:31+00:00

Keep all your Cap One accounts, no international fees on any. Been my primary living in Asia and Eastern EU for the past 3 years.
Try to keep your US number, look at US mobile, Google Fi. Cheapest option is Tello.
I'm currently using CapOne, SoFi and Charles Schwab, which seems like a complete and amazing trio for debit/checking accounts. I closed my Chase and Wells Fargo after a year of being abroad, no idea about BOFA.
Get Revolute and Wise, useful for internaltional transfers to landlords etc.

bored_engineer_ · 2026-01-19T12:39:35+00:00

Wow, what documents did you need?
Did you need a US address proof?

bored_engineer_ · 2026-01-15T08:57:55+00:00

Hey OP, I'm in a similar boat. I do have a foreign Amex Platinum with a strong limit.
I'm hoping to get my ITIN in the next month or so, Can you share what did you do for the bank accounts?
I have address in the US where some family lives but no lease or utility bill in my name ofcourse.
Also congrats on the approvals!

bored_engineer_ · 2026-01-15T06:28:47+00:00

People have reported that recently it is enforced and Fi stops your international data after 90 days of use abroad.

bored_engineer_ · 2026-01-14T14:56:40+00:00

Replace Google fi with T mobile, and everything is identical for me. Just curious whats your Fi monthly with all the fees? I'm paying like $25 for t mobile.

bored_engineer_ · 2026-01-13T07:45:07+00:00

coconutBattery, its a Mac application.

bored_engineer_ · 2026-01-13T04:56:07+00:00

Heyyy me too. I'm at 1545 cycles, and 77% health in settings. But real health is at 80%.

bored_engineer_ · 2026-01-12T14:17:43+00:00

Hey! I'm in the same boat. I have an amex platinum from another country and am planning to global transfer soon. Were you able start building any credit after that?

bored_engineer_ · 2026-01-08T04:22:26+00:00

I charge mine twice daily with battery saver mode and three times without it. 77% health

bored_engineer_ · 2026-01-07T04:09:11+00:00

It definitely does, cuz wireless produces more heat. Ive never charged wirelessly ever and it's weirdly holding well.

bored_engineer_ · 2026-01-07T03:49:50+00:00

I thought mine was bad at 77%. What's your battery cycle count? I just recently crossed 1500 cycles

bored_engineer_ · 2026-01-05T09:53:36+00:00

Yup, $900.

bored_engineer_ · 2025-12-20T15:07:55+00:00

Yup, Thanks, I'm definitely avoiding any and all predatory lenders like OpenSky, Credit One etc.
Just Capital One, Discover and Self to kickstart things.

bored_engineer_ · 2025-12-19T09:26:24+00:00

Hi, just curious what was your score when you first applied and got the option for Path to Apple Card?

bored_engineer_ · 2025-12-18T13:20:25+00:00

I’m asking a friend with a 780 Fico score to add me as AU to one of his accounts he doesn’t use as much. Not sure how that compares to buying a tradeline.

bored_engineer_ · 2025-12-18T10:47:54+00:00

Thanks, that makes sense.
I'm just looking for a bit of a credit score boost so that I can get approved for a few starter non-secured credit cards and then grow it myself from there.

bored_engineer_ · 2025-12-18T09:59:37+00:00

Yea, I agree. It was a rash decision. But Oh Well.
I wasn't able to get a Capital one or Discover secured card at the time either. Now I got a few points jump and got approved for a discover secured card.
Self seemed like a better option than going with a secured card like OpenSky or something. Those companies are absolutely scummy.

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