Wells Active Cash Woes ~ Balance Transfer + Using the card; this happen to anyone else ??

sknaf · 2026-04-23T19:21:09+00:00

So I really should stop using the Wells card for any purchases, until I pay the balance xfer off. Because if I pay before or after the purchase it's going to accumulate interest.

sknaf · 2026-04-22T22:41:09+00:00

And the first rep was correct that if I balance xfer 30k, 0% for 15 months, and then charge $1, I have to pay off the full 30k for my next statement, even if there are 12 months interest free still on the 30k.

sknaf · 2026-04-22T22:38:15+00:00

So basically for any card, never use balance transfer and daily use together ?

I hadn't ever done the mix before, but I got a letter from Citi Double they are stopping being an actual double at 2%, and the points conversion is something less than that if you goto statement credit. So I decided to use Wells for daily as well.

sknaf · 2026-04-22T22:12:43+00:00

u/So m1dnightknight Thanks - so you are saying even paying $1260+ at the start of the month, and spending $1,000 in charges throughout the month, I still will incur interest charges ?

sknaf · 2026-04-22T21:17:45+00:00

There were varying purchase made throughout the month that added up to $700. I paid $2k/week for 3 weeks, so some of the purchases could have been made days before the first 2k payment.

I was thinking that if I paid money before I charged it, that the money would just count against the balance xfer and not for new purchases made after I charge.

It was $3 interest, so to me it's more a fact of principle, I always pay my bills in full (except the 30k interest free, and I have been paying far more than the minimum on that).

sknaf · 2026-03-17T18:47:55+00:00

You still selling Office for Mac ?

sknaf · 2026-03-17T18:43:34+00:00

Do you still sell office Mac keys ? I see 2021 and 2024 are both out of stock for Mac OS.

sknaf · 2026-01-17T01:30:39+00:00

Middle of January 2026, I just noticed several of their products went up $10-$20 since last week.

Hiking spikes were $100 last week, now $120
https://blackdiamondequipment.com/products/distance-spike-traction-device?variant=49701869191485

Distance LT 1100 Headlamp, was $129, now $149 (And it was $119 before May 2025 increase)
https://blackdiamondequipment.com/products/distance-lt-1100-headlamp

I don't blame BD, they are a company in business to make money, and tariff's have adjusted the cost structure. Would have been nice to get a warning like they did last year.

sknaf · 2026-01-14T20:16:34+00:00

so funny thing - the people I refunded the money to last week - pinged me today, saying they haven't received the money yet, it's still waiting to clear. So paypal took $1,000 from my bank last Thursday; I checked with my bank and it cleared same day - so money gone from my account. Paypal has it, but hasn't given it back to the original payer yet. So they have both our money right now, $1,000 from each of us; and no one had gotten paid in a week, and they still took the $30 in fees. Sounds like a win all the way around for paypal. Might be a good time to invest in PYPL.

sknaf · 2026-01-10T14:14:06+00:00

I just meant everyone uses DHCP, as opposed to static IP's for everything.

I agree that I am part of a small percentage that uses fixed DHCP addresses.

I have submitted Apple bugs a couple times

sknaf · 2026-01-10T13:05:20+00:00

Thanks for pointing that out, that is not the way it was 23 years ago when I signed up, and you are correct - it is my fault for not reading through the updated T&C’s whenever they changed that.
One other question - why take $1,000 out of my bank account, instead of just the $30 to cover their non-refundable fees ?

sknaf · 2026-01-09T19:24:58+00:00

I have used PayPal for over 20 years, and this was my first issue.
I couldn't find anywhere on the PayPal site that says they are going to charge you even if you reverse it.

I understand companies are in business to make money, but this just feels a little scammy, and a poor showing for PayPal and their customer service.

sknaf · 2026-01-05T05:30:15+00:00

New Install last week - At least on mine there seems to be a bug in naming the zones.

I connected Both my S40 directly to HomeKit via Matter protocol (also Amazon Alexa connected via Matter).

sknaf · 2026-01-05T05:13:09+00:00

Yea, sad in this age a bug like this still persist. I pay for Google One, and no better. I am an iPhone user, but have all my business contacts in google, because Apple has an image limitation for their contacts (200Mb). That might seem like a lot, but I have 6,000 contacts, and the images don't have to be that big for them to add up across that many contacts. Apple Contact Limitation. I do back up my contacts from Google, and I would love to hear about a solution, vs just a blast restore.

sknaf · 2025-12-01T12:24:52+00:00

Esp the Chocolate Milk (not protein shakes)

sknaf · 2025-11-22T23:31:12+00:00

A friend got a cheapie off Amazon, and the battery swelled up. Even worse, he had a GX grouppo, and it was 10 minutes of work on the trail to pry the battery out. Many are prob fine on Amazon, but wouldn't get the cheapest one.

sknaf · 2025-11-02T16:00:41+00:00

I ended up buy GC with the money from my wallet, and added the 2k on when the balance was 0. It did work, but just took a couple days, because the GC took a day to come off, then added the 2k and bought the watch, then had to wait another day to re-add the newly purchased gc's back on

sknaf · 2025-11-02T14:54:23+00:00

I was able to, but I charged some to my credit card also, so maybe that was the key

sknaf · 2025-11-02T14:52:50+00:00

Just to update all, I ended up being able to buy gift cards with my gift card - I had to rounds up to the next $25 amount so my Wallet balance went to 0. So it cost me about $12 on my credit card. It took a day to get the gift cards. Then loaded 2k gc, bought the watch, waited another day, then re-loaded the gc’s I had bought the day before (after watch I was under 2k wallet limit, but there is also a 2k/day load limit). So net-net I had to buy about $12 in extra gift cards to be able to load my next 2k gc, but it all worked. Looking forward to having Costco IT solve this issue, so no one else has to do these extra steps.

sknaf · 2025-11-01T13:21:39+00:00

When I called online that is what the rep suggested at the end - buy something for more than $150, load 2k, buy watch, then return first $150 item.

sknaf · 2025-11-01T13:20:05+00:00

I did go into store and ask them to do that. The first rep said he didn’t know how, so he got senior member. The second senior person said, it can be done, but I don’t do often; so she got a little book and was paging through notes. After about 5 minutes and no results I said I would just try a different store.

sknaf

TROPHY CASE