High Credit Card Balance I currently have around $11,000 of debt spread over two cards. $10,000 on one and $1,000 on the other. Current emergency fund is $3000. I have two 401ks. One at $33k and the other is $70k. I’m currently living on credit and haven’t had the ability to pay my cards down. I’m just keeling them at current levels. Interest rate on credit cards is +2…

Not sure what to do here, a credit card at 1800matress store opened in my name, never heard of the place it is attached to kikoff, which I also have never heard of before now. What should I do about this? submitted by /u/samknox98

Would it be wise to immediately pay off a percentage of my new credit card after a large purchase to keep utilization under 30%? I’ve heard recently that it’s ideal to keep your cc utilization at 30% or lower. I’m in the army and I’ll be in California for the next year. I recently got approved for a cc with a limit of $6k. I want to purchase a guitar totalling around $3k after tax, which would put me at 50% utilization. Would it be wise to immediately pay off $1k from the…

Prepaid VISA Card Headache Hey everyone, I urgently need ideas on how to use about $3k USD in prepaid digital VISA credit cards serviced through MyPrepaidCenter. I have repeatedly contacted customer service via email because the digital card/payment will randomly be put on hold when I try to use Amazon reload, or purchasing Amazon giftcards for others. Sometimes the same…

Does the speed rating of a USB-C card reader matter with SD cards? Keen to try an alternative to wifi-app transfers for SD card to phone (or PC). Does it matter whether I get a USB 2.0 speed SD card reader, versus a 3.0 or 3.1/3.2 Gen2? ie is there an advantage for a reader that’s rated for 5/10/20 Gbps vs one rated for the slower 480Mbps? I know one megabyte per second (MBps) is equal to 8 megabits (Mbps) eg …

LPT: Avoid using your credit card by keeping the numbers on the card in your wallet on a piece of paper. This is for those of us that have issues with spending money we don’t have. If the physical card is not available then it will be MUCH more difficult to use it. If you are in an emergency, people will still accept you giving the numbers on the card if absolutely necessary. edit: Much smarter people than I are suggesting to use your phone to stor…

What does the “line” mean on IC Card chart? I was double checking to make sure I could take the bus back to Narita airport in a few days from where I’m currently saying and their official website says to “check the chart” to see if a route accepts IC cards or not. The chart has no legend on it. I know that O means it accepts it and X means it doesn’t, but I have no idea how to interpret —…

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Should I use my emergency fund to pay off my credit card? I have a $2k balance on my credit card, but I have $8k in savings. I’m having a hard time taking 2k from my savings to pay off my balance because I’m so close to my goal of $10k and dropping 2k will take me back so far from my goal. I haven’t been worried about the credit card balance because my credit is good and my utilization is low, so it is…

Not sure if this is the best place to post this but I’m going crazy over this gift card. So I around the beginning of April I used a pre-paid Mastercard debit for $100 that I tried to use on steam to add funds to my steam wallet, which I’ve done multiple times with gift cards in the past. The transaction instantly failed so I re-tried it a few times to make sure the information was correct and I still got nothing. I then went to Ama…

I use one credit card for most all of my expenses, and I finally have gotten to a point where I can carry a zero dollar balance. But I’ve heard that one should always carry some balance versus paying off a card completely. Can someone please flesh this out a bit more in lay terms? ETA – I guess this was so easy that I thought it was hard 🤣 Don’t carry a balance. Got it. Appreciate the clarification 🤘 submitted by /u/a_Vertigo_Guy

Pay down 1 card, or across multiple to improve credit score? Hi there. I’m familiar with the snowball/avalanche methods for paying down credit cards. These methods focus on saving you the most money on interest, as far as I can tell. I have a situation where I’m actually more interested in repairing my credit score, instead. I want to use a large sum of money I’m receiving to pay down my cards specifical…

How can I fix an SD card I removed too quickly and isn’t working anymore? (I don’t care about the files) This actually happened october 2nd last year. I think I removed the card too quickly after filming a clip. Initially, my camera said that the sd card was unreadable and corrupt or something similar. When I tried connecting it to a card reader and into my pc it didn’t recognize it. I tried CHKDSK but nothing was detected. The card reader also lig…

24k credit card debt. When is consolidation smart? Before you read: Yes, I got myself into a shithole, and yes, i am an idiot for doing so. I am making 84k annually (bring home 4600 monthly post tax) and am trying to cut this debt. Lots of stupid impulse spending that I have now stopped. Monthly costs are $2000 for rent(and all things apartment related like utilities), $500 for car payment + ins…

How can I pay off 8K credit card debt? Please be kind, I am seeking advice, not snark. Unfortunate life events happened, and now I have 6k on one card and 2k on another, both have 29%APR. I make $2,200 a month after taxes and healthcare. My rent is $580/month (I share a one bedroom with my partner) $30 a month for internet $60 a month for my phone plan (actual phone is a super old …

How did they get my debit card number? I recently found two transactions posted to my chequing account from Mexico that I did not make and I live over 2500 miles from there up in the northeast corner of NYS. I called Chase and they agreed to refund me the transactions on condition that I cancel my debit card which is the only card linked to my chequing account. I agreed and I went to…

How the final wild card can be won Tuesday Four teams remain alive to take on the Rangers in Round 1. Here’s what to watch Tuesday, plus the current playoff bracket.

Old credit card debt My mother has some credit card debt from over 7 years ago that I just found out about ($60k total across 6 cards). She has not made any payments towards them and they have gone to collections and honestly I’m surprised she has not been sued for the debt. I recently read about statute of limitations on debt (we are in Texas). She has not looked a…

Shopify keeps deleting posts in the subreddit related to them overcharging a customer card This is for a client, any advice? (2nd post) (Shopify why did you delete this post?) Shopify illegally overcharged a customer’s card to reopen their store Shopify listed a specific amount to reopen a client’s store but then charged a significantly higher amount to their card – a charge that was not listed to be charged or authorized. Support rep…

NHL playoff watch: Latest on the race for the East’s second wild card The Islanders, Red Wings, Penguins and Capitals all hit the ice Monday. Plus, the updated playoff bracket, draft lottery standings and more.