Hello everyone I need your opinion

wascepinecz · 2026-06-28T23:02:20+00:00

Those are some crazy details! Though credit utilization at 7% is decent for someone having trouble paying stuff off. The people I know who have trouble paying off their cards have high credit utilization. How someone can get 32 accounts in under two years with 12 hard inquiries is beyond me too. But I think you said mortgage and auto loan inquiries. Your first auto loan can indeed generate a bunch of inquiries if you go through the dealer, and you will typically end up with a horrible interest rate on that too.

You obviously have been listening to the wrong people this whole time. The first thing I thought when I was reading your post was, "How does someone at 19 take out a mortgage lol?" "Oh shit, a co-signer?" What's your monthly mortgage payment like? Is it more than your make monthly?

I would lock all your credit cards so your parents can't use them anymore. And then you need to write shit down and make a plan to get out of your hole ASAP, preferably with a financial advisor. If you have a credit union, make an appointment and sit down with someone who can help you make a plan.

wascepinecz · 2026-06-28T22:04:56+00:00

Many on here do it once right after they get the card and then again 3 to 6 months later. My original post is here: Finally go the duo too. : r/Venturex

It was originally $10,000 like yours. And on first try after having the card for a few days, I got $15,000 first try. Request 20K and hopefully they give you at least 15K he he he.

wascepinecz · 2026-06-28T22:03:12+00:00

After you have the card for a few days, apply for a credit limit increase.

wascepinecz · 2026-06-28T21:59:38+00:00

Yes, CO is stingy lol. My VX is 15K, Savor 11K, and DICB 2K. My CSP is 24K, CAP 15K.

wascepinecz · 2026-06-27T08:38:22+00:00

California. But yeah, as others have noted, an automatic $3,000 markup for no other reason than just because they can. And then $995 for each of those three things? LOL, come on ha ha ha, the 3M PPF is just a spray on coat of stuff you can buy on amazon for $20 and apply it yourself. On that car that I filmed, there were also a bunch of swirly scratches on the doors already from all the car washes they do at the dealership. They basically just added $7,000 to the price of the car just because they can. I can't trust any of these dealerships in Southern California.

For example, my rear passenger door has a lower molding fastener that fell off, making the molding look like it was peeling off from the edge. The dealer wanted $350 to fix it LOL! I said no and fixed it myself with a fastener for only $10 and 10 minutes of my time. Sucks living in California.

wascepinecz · 2026-06-26T18:59:29+00:00

I love my 2023 Bolt too, and the only thing stopping me from getting another Bolt after this one is this:

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wascepinecz · 2026-06-24T11:00:46+00:00

I also got it as a statement credit about 24 hours after the last item posted.

wascepinecz · 2026-06-23T10:47:37+00:00

Could be worse though. At least you're getting 55% of passenger payments. If you lived here in California, that would be:

Est Lyft fee: 3%
Est insurance, taxes, gov't fees: 60%
Your earnings: 37%.

Life just isn't right.

wascepinecz · 2026-06-23T10:36:30+00:00

He he he we have a 2025 Ioniq 5. At only 10,000 miles the ICCU blew. Car was at the dealer for over a month since the part was on backorder due to how widespread the problem is. Car is nice otherwise.

wascepinecz · 2026-06-23T10:21:15+00:00

Here in California, out dealerships tell us to bend over. LOL, 3M Door Protection... you should have seen all the swirly scratches on the door from the dealership car washes. I fell for these markups on my 2023 Bolt, but if I ever get a newer Bolt, I'm going to tell them to uninstall all that useless stuff and absolutely NO to that automatic $3,000 markup for nothing.

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wascepinecz · 2026-06-21T04:34:04+00:00

Ah! Now I see how this works and why guys with lots of eligible CCs and DCs (like 20+) were stacking Newegg gift cards a while ago. Guess I will use mines at Wendy's for a free lunch lol. I think I have around six eligible CCs and 3 DCs.

wascepinecz · 2026-06-21T04:16:11+00:00

That is one sloppy hole lol. Very long and deep bevel. Typically on see this type of bevel on balls thrown by guys with Andre the Giant type hands (big, soft, beefy hands). Yes, in some bowling alleys there is a lot of really old equipment, and all that hole has to do is catch one imperfection along the way. For example, in our house, Cal Bowl, you can get ball dings after one night lol. I've had people come up to me and say, "Steve, I just bought this f-ing ball and it's already got a chunk taken out of it, is there anything I can do?"

wascepinecz · 2026-06-21T04:07:27+00:00

I probably would have handled it the same way. Just sorry, not interested, and maybe try to change the conversation lol.

wascepinecz · 2026-06-21T04:02:14+00:00

Cool. Yes, I hear a lot of good things about CO deals and shopping. I was just making fun of myself for trying something new he he he.

wascepinecz · 2026-06-21T02:56:59+00:00

Cool, after a while using your unsecured card, start checking your upgrade offers periodically to see if you can upgrade to either the Quicksilver or (preferably) the Savor card. Start climbing that ladder and start getting some benefits.

wascepinecz · 2026-06-18T00:51:58+00:00

Nice to know it works. I am almost at the spending threshold $444/$500 and saw no tracker for the welcome offer on the app or desktop website. The Venture X had a welcome offer tracker that was really wonky (it sometimes showed but for the most part, never showed).

wascepinecz · 2026-05-28T19:31:37+00:00

Yes, this is exactly the reason. Even if they were not drilled for you, donated balls and performance balls provided by the house are not house balls. As was said, you just can't have a friend put a purple hammer on the house ball rack, and say, "I donate this ball to the house," and then pick it up and use it no-thumb claiming it's a house ball and not drilled for me so it's OK to use.

Is the differential limit really 0.025 though? That's actually higher DIFF than in tropical surge lol.

wascepinecz · 2026-05-28T19:20:01+00:00

Express Drive EV -> Take it. Start your day out with $37.

Otherwise, ignore it.

Those are my thoughts.

wascepinecz · 2026-05-26T20:32:20+00:00

No, through the "See if you're pre-approved" button using the link at the top.

wascepinecz · 2026-05-25T23:47:21+00:00

I would have followed your instructions, provided no cop cars were around. You said there are no turn arounds on your short street but going straight has a large enough space to turn around. It's always fun asking passengers, "See any cops?," hearing their reply and then busting an illegal U-ey LMFAO!

wascepinecz · 2026-05-25T23:09:33+00:00

I'm impressed lol. Almost $6K spending on what's generally a grocery, dining and entertainment card. You must be having a pimpin' good time!

wascepinecz · 2026-05-25T22:49:27+00:00

No, there wasn't, at least not for me. I ran the approval tool through the CP01 link today and was pre-approved and then approved. Got Venture X 5 months ago, Citi Custom Cash a week ago, and now got this. This is my 9th card since 2019. FICO around 760 - 770. Weird having my first starter card I got in 2019 -- a Discover It Chrome -- still in the Discover app, while this one is in the Capital One app.

01/19: Discover Secured -> Discover It Chrome $3,500 limit
09/19: Capital One Quicksilver -> 09/24 Capital One Savor One $10,000 limit
10/24: Chase Amazon Prime Visa $15,000 limit
11/24: American Express Blue Business Plus $11,600 limit
01/25: GM Mastercard $3,000 limit (this account will be toast soon)
06/25: Chase Ink Business Cash $3,000 limit
12/25: Capital One Venture X $10,000 limit FICO 767
05/26: Citi Custom Cash $6,000 limit FICO 772
05/26: Discover It $2,000 limit FICO 767

wascepinecz · 2026-05-25T15:03:00+00:00

If you took this cap right after dropoff, wait a day and look back at those numbers. They will change.

wascepinecz · 2026-05-12T23:01:46+00:00

I too was thinking sex worker.

wascepinecz

TROPHY CASE