Should I cash out $11,000 in mutual funds to pay off some credit card debt? My wife and I are about $25k in debt to credit cards and it’s starting to feel like we aren’t making a dent. On just one of our cards that has $11,000 on it the monthly payment is $365, and the interest per month is $270. I could essentially pay off one card with my mutual funds (stocks) to help the snowball roll, but I’m also am scared of the t…

I have $32,000 in savings and $15,000 in credit card debt. Should I use my savings to pay off the debt, or open a balance transfer credit card and pay it down over time? Hi friends, I have $32,000 in my savings account ($30k from a deceased family member) and it feels really good to have that safety net, but I have an immense amount of credit card debt. Do you think I should pay it down over time, or should I just pay it all off right now? I was thinking about opening a balance transfer credit card to maybe pay …

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Does switching the SIM card affect who sees my Instagram Reels (geographically)? As per title. If I switch my SIM Card to let’s say USA SIM Card – will my posts reach the USA audience? For TikTok, it does work this way (at least when creating a new account). But does it work for Instagram? I wonder if anyone has tried this and what were your results? Thank you and best of luck, Kroko submitted by /u/krokodilce …

17k stolen from my debit card I got a brand new debit card in July 6 and I went to the post office to get a money order on July 10. On July 18, when I logged onto the banking portal, I found out I lost 17k from over 60 transactions using Cash App. I have since reported the fraud with the police but they are non-committal of when they will assign my case to an investigator de…

Should I pay off one credit card in full, or make partial payments on both credit cards at the same time? I owe money on 2 credit cards. Currently $6900 (was $9000) on a MasterCard with an interest rate of 24.99%, and $3800 (was $6200) on an Amazon MasterCard with an interest rate of 19.99% (these figures are rounded). Background: I lost my job in Janaury, and have since been relying on a combination of minimum wage employment and my little savings …

What do I do with a low limit credit card ? I’ve had this secured credit card since 2019 that was only 300$. It’s been upgraded to a unsecured after a year and has always been paid in full every month . Compared to my other card the limit is so low I don’t know what to do with it. I generally put like 1 gas station purchase ( energy drinks etc ) But it really feels like I’m just using i…

LPT Request: How to stop receiving credit card and student loan offers in the mail? I Just graduated and now every week I recieve several letters in the mail encouraging me to get a credit card to pay off my student loans for my collage. I’m not going to college, and when I get a credit card it’ll be on my terms. How do I make this stop? submitted by /u/emo_rat119

How is credit card fraud actually investigated? My backpack with my wallet/laptop was stolen from a parking garage at Ohare airport. They then bought $13,000 Taylor Swift tickets that day using my laptop and credit card (I was an idiot and did not have a password on my laptop, trust me that will not happen again). I reported everything to the police and my credit card company the next day. I …

Credit Card lowered limit due to not using a “significant portion” of my available limit not being used Like the title says, I got a letter from Citi that they lowered my credit limit due to a “significant portion” of my available limit not being used. They said I have 60 days to request reinstatement of my previous limit. Should I ask them to reinstate it, or just leave it alone? Will my credit be negatively impacted by the lowering of my availab…

Working to pay off $12000 in credit card debt Hi, I am looking for any advice. I’m 26 and finally at a good job that pays me 6 figures and I’m looking to pay off my credit card debt. I’ve set a budget and no longer use my credit cards, and I have paid off two since last month. I’ve realized how much work it’s been trying to pay off the rest of my 7 credit cards (interests ranging from 27.24…

Credit card fraud happened to me Hi, so I was alerted earlier that I had orders in a different state via the Walmart app. I logged in, cancelled the orders. I don’t share my accounts with anyone. I noticed on the Walmart app had a new credit card attached with my name. The credit card says my name and visa and the last 4 numbers. No identification from where the cc is from. I w…

What are the downsides of putting my nephew as an authorized user on my credit card if he never uses it? What are the downsides of putting my nephew as an authorized user on my credit card if I never even give him a card and he never uses it? I understand the risks involved if he does use it. Forget about those. I’m just trying to decide if I am not thinking of some other risk. My dad did it for me when I was young and it really helped my credit s…

How do these accounts get the title card to look different from the reddit page? I see lots of the reddit accounts on tiktok with the text-to-speech and all and I was wondering how they get these custom looking title cards here some examples if I didn’t give enough info: “relaxingtimestories” “creekystories” both on tiktok (I realized that the cards always have the same rewards listed so might be a fake card but let me know)…

Are Debt Relief Organizations recommended to pay off credit card debt? Why or why not? I’ve amassed a pretty large credit card debt due to some irresponsible decisions and also to try and keep my, now defunct, company afloat. I want to pay off my debt and I’ve heard mixed reviews about using the debt relief organizations. submitted by /u/GlitzBlitz

Why are a lot of places changing credit card payment policies? In the last 2 or 3 months my phone bill, rent, and insurance have all started to penalize me for using a credit card to make paymentseither i wont get my auto pay discount or ill have to pay a 3 percent convenience fee. 3 percent fee on 2500 is a lot.. it nullifies my casback rewards plus some. Has anyone else experienced this lately and what ar…

Budgeting/pre-paid card help for elderly family member with dementia? Hello, I have done a little bit of research and people have said cash, venmo/paypal card, capital 1 etc. But I was wondering if anyone else has had experience with these and if parent can get around it without me knowing (They always find a way around my back)? Background: Parent has alcohol dementia and in the last couple months has bought a …

Lost credit card and am traveling tomorrow How screwed am I? I booked a trip for my husband and parents using my name and credit card, and we’re leaving tomorrow morning. I have lost my credit card and can’t find it anywhere. I do have it on Apple Pay, which is fine to use most places, but I’m worried about checking into hotels. Their conformation emails are all saying I have to have the…

being an authorized user of a credit card is ruining my credit score. What do I do? My dad added me as an authorized user of his credit card without me knowing. He thought he could build my credit because he has 100% payment history. But he has accrued a lot of credit card debt becuase he didn’t know that would affect my credit score (~3k). this is negatively impacting my score because it is like 50% of my credit utilizaiton. i…

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