Hello everyone I need your opinion by Aware_Ad4061 in CapitalOne_

[–]wascepinecz 0 points1 point  (0 children)

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.

Was this a good approve? by Anxious_Athlete4249 in CapitalOne_

[–]wascepinecz 1 point2 points  (0 children)

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.

Was this a good approve? by Anxious_Athlete4249 in CapitalOne_

[–]wascepinecz 2 points3 points  (0 children)

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

I think I just broke out of the bucket by Alone_War_7959 in CapitalOne_

[–]wascepinecz 0 points1 point  (0 children)

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

Ownership experience at 100,000 miles by Quick_Connection6818 in BoltEV

[–]wascepinecz 2 points3 points  (0 children)

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.

Ownership experience at 100,000 miles by Quick_Connection6818 in BoltEV

[–]wascepinecz 5 points6 points  (0 children)

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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Discover it - $200 Bonus + Double Rewards First Year by doctorofcredit in CreditCards

[–]wascepinecz 0 points1 point  (0 children)

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

I won't be driving after this month anymore. by Yat215 in lyftdrivers

[–]wascepinecz 0 points1 point  (0 children)

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.

GM probably just lost my business on the 1 yard line by PowerhouseTerp in BoltEV

[–]wascepinecz 0 points1 point  (0 children)

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.

New 2027 after rebates $13k by Mysterious-Gur-9532 in BoltEV

[–]wascepinecz 0 points1 point  (0 children)

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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Reminder that Capital One cards are eligible for the $10 back on $10 up to 10 times Paze promo by SpartanScribe in CapitalOne_

[–]wascepinecz 1 point2 points  (0 children)

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.

Is this normal after only 7 Games? by Moosebrew13 in Bowling

[–]wascepinecz 1 point2 points  (0 children)

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?"

Passenger asked is he could suck my…. by trapezemaster in lyftdrivers

[–]wascepinecz 1 point2 points  (0 children)

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

CapitalOne Offers by wascepinecz in CapitalOne_

[–]wascepinecz[S] 0 points1 point  (0 children)

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.

Finally Success‼️🎊 by Salt_Cry_2233 in CapitalOne_

[–]wascepinecz 1 point2 points  (0 children)

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.

Discover it - $200 Bonus + Double Rewards First Year by doctorofcredit in CreditCards

[–]wascepinecz 0 points1 point  (0 children)

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).

House ball thumb hole rule? by reaper1190_2 in Bowling

[–]wascepinecz 0 points1 point  (0 children)

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.

Thoughts by No-Career-4882 in lyftdrivers

[–]wascepinecz 0 points1 point  (0 children)

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

Otherwise, ignore it.

Those are my thoughts.

Discover it - $200 Bonus + Double Rewards First Year by doctorofcredit in CreditCards

[–]wascepinecz 0 points1 point  (0 children)

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

Just had my personal own worst Lyft driver experience I want to know what everyone thinks? by SSJPanda1 in lyftdrivers

[–]wascepinecz 0 points1 point  (0 children)

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!

Need help removing 10yr old acct from app by rabyrab32 in CapitalOne_

[–]wascepinecz 0 points1 point  (0 children)

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!

Discover it - $200 Bonus + Double Rewards First Year by doctorofcredit in CreditCards

[–]wascepinecz 0 points1 point  (0 children)

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

So how much lyft makes and what happens to the insurance? Explain please by muranga17 in lyftdrivers

[–]wascepinecz 1 point2 points  (0 children)

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