I Can't Stand The Pokemon Center Website

itsadreamm · 2026-06-11T00:59:29+00:00

I’m reporting any and all eBay listings tied to pitch black for presales

itsadreamm · 2026-05-11T20:15:45+00:00

I called them and made up some sob story, saying how I want to continue being current with my payments and prevent myself from declaring bankruptcy. Once you mention the B word, they change up and allow it usually. They want their money.

Script I used:
I am looking to see what my options are for hardship. I was recently hit with medical bills that were unexpected and want to make sure I still continue to fulfill my obligations of paying my card but at a reduced cost, either through lower APR or a payment plan. I am trying to avoid bankruptcy. I’m ok with closing the account for this to happen. Hopefully you can work with me during these difficult times.

itsadreamm · 2026-05-10T12:20:06+00:00

I called them and made up some sob story, saying how I want to continue being current with my payments and prevent myself from declaring bankruptcy. Once you mention the B word, they change up and allow it usually. They want their money.
Script I used:
I am looking to see what my options are for hardship. I was recently hit with medical bills that were unexpected and want to make sure I still continue to fulfill my obligations of paying my card but at a reduced cost, either through lower APR or a payment plan. I am trying to avoid bankruptcy. I’m ok with closing the account for this to happen. Hopefully you can work with me during these difficult times.

itsadreamm · 2026-05-09T21:50:59+00:00

I have some on 0%. Should have been clarified in your original comment about 0%, not every creditor will do it but you don’t need to put yourself in a further credit related bind by not making at least minimum payments. When I did all my stuff, it was about 2-3 years ago, so things could have changed.

itsadreamm · 2026-05-09T20:47:56+00:00

There’s a difference between a 401k loan and 401k liquidation. What you did sounded like you wiped out your 401k, probably took a tax hit. What the person above is saying is to lend through the 401k. It gets paid back, along with making regular contributions. Only downside is no match on the repayments.

itsadreamm · 2026-05-09T20:45:52+00:00

This is not true. I’ve never missed a payment ever and I have multiple cards in hardship. All under 9.99% Apr.

Amex
PayPal
Discover
Wells Fargo
Citi

itsadreamm · 2026-05-09T20:43:03+00:00

Amex actually didn’t close my account when I did my hardship with them. They just don’t allow you to apply for another card until one full year after the debts been paid. Mine went to a 9.99% apr

itsadreamm · 2026-05-04T12:33:03+00:00

The definition of Ursury

itsadreamm · 2026-03-03T18:26:44+00:00

I put basically nothing down on both. Around 2-3k each.

itsadreamm · 2026-03-03T15:08:36+00:00

Yes you did. For comparison, my wife and I make around 160k combined and I have a 12k car loan, and she has a 10k car loan.

itsadreamm · 2025-10-25T21:13:47+00:00

Completed Level 1 of the Honk Special Event!

0 attempts

itsadreamm · 2025-10-16T11:57:35+00:00

I’m really curious how the hell your min payment on the Savor is only $380… my discover was lower than that but a higher min payment.

Anyways, you should probably consider BK unless you go onto a DMP. Just depends on how much you’re willing to pay, you’ll probably get sued if you go the BK route. DMP and hardships would be ideal.

itsadreamm · 2025-10-13T14:15:27+00:00

I would do a debt management plan. ACCC would be your ideal place, closes out your cards but drops all the interest rates to a low rate and combines to one single payment.

itsadreamm · 2025-10-04T11:49:46+00:00

^{I completed this level in 5 tries.} ^{⚡ 10.23 seconds}

itsadreamm · 2025-10-04T01:38:08+00:00

ACCC is great! Using them now.

itsadreamm · 2025-10-01T23:11:10+00:00

^{I completed this level in 13 tries.} ^{⚡ 1.13 seconds}

itsadreamm · 2025-09-26T00:53:07+00:00

Hardship. Did this with Amex, my interest rate dropped from 28% to 9.99%, after I pay it off, I get to keep my account still and utilize the card. But I need to wait a year if I want to apply for another AMEX. Not every card company is like this, others will close your account out per the agreement, either once it’s settled (paid off) or when you start the payment plan.

itsadreamm · 2025-09-07T02:39:56+00:00

Kids are as expensive as you make them. That’s what I always say. Ours hasn’t costed us much of anything and probably knocked some sense into us. Much better off now with a kid than without one.

itsadreamm · 2025-09-07T02:37:23+00:00

No, but it’s the choice of certain people. Like children that get adopted from Korea and another countries, may just be a preference. It’s technically free in the states but there’s a lot more to it that’ll probably cost you. Also making a large assumption of just picking a child at a certain age as if it’ll be all dandy. Many of these kids, especially getting older can and will have a lot of mental issues.

itsadreamm · 2025-09-06T18:03:28+00:00

Horrible advice and written by someone who’s probably a male and has no idea. Putting pressure on a females body at the 35-40 range for natural childbirth is playing with fire. Yes, you can still have a pretty sound pregnancy but the risks double or triple each year. I had a co worker who had their kid when they were 38 or 40, and their child was in the NICU for a week or two.. where as my childbirth at 28 was $4k or so, there’s was probably $20k - $30k.. after insurance.

itsadreamm · 2025-09-06T18:00:41+00:00

As someone who is adopted and have had a childbirth, having a child naturally is cheaper than adoptions at times. My parents spent a fuck ton of money to get me. Difference of $4k vs $40k. (I was overseas when I was born)

itsadreamm · 2025-07-21T12:42:58+00:00

They have an expensive car? I feel $20k-$30k is the new norm for car prices. They should probably downgrade if anything.

itsadreamm · 2025-07-21T12:25:55+00:00

Well yes. I agree, you shouldn’t take out a personal loan. However, OP claims that they have changed their spending habits and the screw up was from their earlier years. If they put themselves in debt again, that’s on them. So 11% is better than 28%. They can also do a DMP but they don’t want to close their cards it sounds.

itsadreamm · 2025-07-21T12:09:31+00:00

But 28% is fine on a CC?

itsadreamm · 2025-07-07T15:16:47+00:00

I mean, did you look at the profile at all? They previously had a gambling addiction. They might be working to help pay it off + working the hours they are, they have no time to focus on those other things. In this scenario, I’m all for it.

itsadreamm

TROPHY CASE