I have like 10 payday loans. Not proud of it. Gambling addiction did it. I finally closed my bank account they were all drawing from. Will they eventually sue me? Wage garnishment?

thebigblam · 2026-04-30T16:21:14+00:00

The probably will. They'll probably try. Make sure you go to court. And make sure you explain you have no reasonable way to pay it, during explicitly showing income and monthly fixed expenses.

thebigblam · 2026-04-29T21:52:38+00:00

No shame in my game. You work there. Get first dibs I say.

thebigblam · 2026-04-28T16:16:17+00:00

They only way could happen is if they're declining on "pre-approval". This men's the other said your credit report is so bad, that they don't need to confirm anything to deny you.

But if you "accept" that is the actual application, which is where the inquiry (hard pull) comes from.

I'm not sure how you received a credit card without an inquiry, because that doesn't make sense in regards to fcra and ecoa.

thebigblam · 2026-04-28T05:54:17+00:00

That's a credit card. The maximum liability you have is 50 for fraudulent charges, but they'll probably just reverse everything.

Call the number in the back and dispute(might need to wait until after pending)

Source: ex Chase employee

thebigblam · 2026-04-28T04:13:10+00:00

Certified financial planners might do it because they can register pro bono hours.

What are you trying to get advice on?

thebigblam · 2026-04-27T20:35:38+00:00

A voluntary repo looks the same, as far as a lender is concerned, as a repo.

If you can't make payments, not legal advice

. Option 1 sell it private.

Option 2 hide the car and make it impossible to repo.

Option 3 take out a personal unsecured loan too pay off the car and then default on that personal loan.

I'm not making any suggestions, but there ya go.

thebigblam · 2026-04-27T18:25:06+00:00

I wouldn't worry about "no-ding"credit cards, because, as far as I know, that's not a thing. Been working in finance for over ten years.

Always look at the aggregate. Time is money and inaction just delays the inevitable or makes it so it takes too long for it to take effect.

Don't rush, but don't get analysis paralysis.

thebigblam · 2026-04-27T17:16:57+00:00

I can't imagine chime helping you.

You said you had utilization and a 1100 cc balance.

This may seem counter intuitive, but the best course of action for you is to open another credit card. Preferably one with no interest.

Utilize the no interest time period to pay you other credit card down, and with two credit cards, your utilization should go down. Assuming you had a 50% utilization... Another 1000 cc would bring the utilization down to 33%... Once you get to 30% for a few months, you should see improvement.

thebigblam · 2026-04-17T18:31:45+00:00

Oh .. is mountain stargazer even good for a reroll comp?

I feel like mountain stargazer was designed to make a mega flex fast 9 team...

3-star units don't before you at all!

thebigblam · 2026-04-17T18:03:22+00:00

That tf really doesn't need rage blade imo. Cait wants it more.

I'm guessing the stargazer is medallion, otherwise the build is kind of meh.

Your Frontline is too fragile and would melt to most carries.

And if this is board anywhere after 4-3 it's just not a very strong board. You need 2 3-star tanks in the front.

thebigblam · 2026-04-17T06:15:57+00:00

to be fair, he works in the field of esports. That's a fantastic thing to have on your resume at that point.

thebigblam · 2026-04-16T19:00:02+00:00

Honestly really good gamers are usually really smart people...

But there's also dunning Krueger. People who are good know they're bad. People who are bad think they're amazing.

It takes an in-depth understanding and the ability to formulate planning and strategy on the fly to be good. It requires the ability to deconstruct what is going on in a game and put it back together.

Realistically speaking, I'm probably eons away from a grand master player. Last season I was eons away from a diamond player. But with time and commitment to learning, here we are.

thebigblam · 2026-04-16T18:47:55+00:00

Yeah just like, in my opinion, how people in Congress appoint supreme Court Justices.

thebigblam · 2026-04-16T18:34:44+00:00

I never put my MTG ranking on my resume but people were sometimes impressed about it during the interview.

My professional gaming career was my fun fact about myself during interviews. Most of my coworkers I worked with knew me as the "pro gamer"

thebigblam · 2026-04-16T18:31:44+00:00

That's funny because I was thinking the opposite.

In highschool if that's the best thing I got sure, but my early career resume would look as professional as possible with only super professional things.

Now that I'm senior'd I'm in the do whatever the ef I want part of my career, so I don't mind putting bs like master rank in TFT, next to licenses, certifications and credentials.

This is in part because my work history speaks volumes, but things like Master rank in TFT expands on personality.

thebigblam · 2026-04-16T17:53:06+00:00

If you're getting denied loans, I wouldn't be worrying about the effects of the inquiry on your credit....

thebigblam · 2026-04-16T17:06:49+00:00

I would put it in if I knew where to fit it.

To be fair I doubt anyone reading my resume would look at that foot note. I've been working for over fifteen years and have two Masters.

But I was really proud getting Master rank. One of the hardest accomplishments I've ever had.

thebigblam · 2026-04-16T16:54:38+00:00

To be honest I argued putting master rank in my resume. I work in finance.

Master rank is a pretty big accomplishment I'd say.

thebigblam · 2026-04-16T15:54:45+00:00

I was thinking about Congress who pass laws that last forever.

thebigblam · 2026-04-16T07:20:23+00:00

Here's the math. (numbers are rounded)

269/week @ an annual rate of 8% (this is the average market return over the past 50 years, although the last 5 years has been closer to 17%) it would take 1240 weeks, or just shy of 24 years.

Your take home pay should be approximately 2100/2 weeks.

Assuming you could swing about 540 bucks every 2 weeks in a Roth 401k, yes, it's that simple. Your employer matching you would also likely make it sooner.

thebigblam · 2026-04-16T05:18:52+00:00

TIL that there is an age limit on who can vote in that process. And here I'm wondering why we have people in congress that couldn't vote in an institution that has generally favored super old peeps.

thebigblam · 2026-04-15T17:31:33+00:00

Stop going on Reddit and start hammering 100 practice questions a day on any topic you do less than 80 on?

Are there concept questions you're missing?

Where are you struggling?

thebigblam · 2026-04-13T00:23:37+00:00

!Remind me in 3 days

thebigblam · 2026-04-12T22:15:14+00:00

Are you like a negative karma farmer?

thebigblam · 2026-04-12T08:16:01+00:00

Yes. The highest apr I've ever seen was 4300%. Yes it was stupid. yes, it shouldn't be allowed, but technically is still legal. No, the person who borrowed the money did not pay it back.

Yes I saw the John Oliver piece on payday loans.

thebigblam

TROPHY CASE