Social credit in Europe and other tech news submitted by /u/NarcoticSlug

Credit card debt overseas So I’m a USA/German dual citizen. I live in Germant now and have a family here since a year but fell behind on my American credit card payments from the debt during Corona times and up until I left the USA. It’s about 16k between three cards. Delinquent. I don’t have any assets anywhere really. And live in an apartment in Germany. Can the credit…

Is hopping credit cards/banks normal? I’m a university student and I currently bank with Chase. I have the Chase Freedom Student card right now. I’ve been thinking about applying for the new Apple Card since I want to eventually purchase a new phone and laptop and the Apple Card lets me finance it at 0% interest, and I’m already in the Apple ecosystem, and they have a fairly decent …

Will my dad ruin my credit? I turned 18 a couple months ago so I’m still pretty new to all of this. My dad bought a RAM truck a few months back the second I turned 18 and wanted me to co-sign for him in order to “help boost my credit”. I agreed and I’m starting to regret it. I’m thinking he’s having financial problems since him and my mom keep arguing over money. And now h…

Should I pay off some credit cards and loans? Hey guys! I am 21 years old, and I’ve been pretty good with my credit, i have 734 atm but I’m not exactly sure what I should do next and what would be best for me? Here’s the situation. I recently just received like $4000 in cash, I was planing on buying a new little truck or something, but now I’m starting to think I should maybe pay off some o…

Should I get more credit cards? Hi all, I’m 20, full time finance student with a solid part time job as an analyst. I have a full ride, no loans or debt of any sort. I currently have 3 credit cards at the moment: Navy Federal Cash Rewards ($3500), Navy Federal Platinum ($12000), and Costco Citi ($6000). My credit score is 747. I always try to live below my means and probably …

Credit union let ex drain account I.had been living with a woman for a few years. She was in long term recovery from alcohol. Apparently she resumed drinking last year. She refused numerous interventions by myself and her family. Our relationship reached the point that I was her caretaker. So I gave her a date that she had to be out. I spoke with her family , made sure she had a…

Debt from credit card fraud sent to collections Tldr: last year my uncle’s credit card was stolen and the thief racked up about $400 in charges. The credit card company rejected the fraud claim and said my uncle had to pay. My uncle refused to pay on principle and just ignored it. A few months ago the debt was sent to collections due to non-payment. Is there anything he can do at this point t…

A Credit Card Number Is All It Takes To Track Someone Through NYC’s Subways For the past few years, a new payment system has been rolling out on New York City’s trains and buses: OMNY, a modern, credit card-based replacement for the old MetroCard system. OMNY is simple, replacing single-purpose reloadable MetroCards with contactless readers on turnstiles that accept the contactless payment… Read more…

Need help deciding what to pay off: motorcycle or credit card? Hi everyone! I was hoping to get a bit of advice on the best move here as I am trying to get out of debt and eliminate at least one payment so when my student loans resume I can have one less payment somewhere. Back story: My significant other took his life and he left behind a lot of loose ends I needed to tie up. His Harley has $6100 left on i…

TD Credit Card Fraud Nightmare – Thief signed up for recurring service Just wanted to post about my situation and see if anyone else has had a similar experience. Last month, I noticed a few fraudulent charges on my TD Credit Card. No big deal, called the bank and reported them and was issued a new card. One was to ADT the security company. Thought it was all figured out. Fast forward to this month, notice that A…

I need advice about most likely being denied a job due to bad credit? I was recently interviewed for a new job that is in the medical field, so it’s not necessarily a financing, or law job. I was advised that I will get an email shortly about a 2nd interview, and so forth as there is a series of interviews. My friend did not mention until I asked about a credit check being done, until I asked him. I have a 567 sc…

Construction loan 100pt credit drop? I’m building a home, and we have a construction loan that we pay only interest on until we roll it over into a permanent mortgage. Earlier this year, my Equifax credit score dropped 100 points (as seen on credit karma) with the change shown on the site being a $40k balance increase. Is a drop this large normal for a construction loan? On the acc…

Lying about a credit card. Help So I made a stupid decision to lie about getting a credit card back in March. I honestly don’t even know why I lied. (Maybe because I was scared not to get approved.) On the application I said I made $50,000 yearly When in reality I make less, probably $33,000 or even as low as $19,000 Everything was going okay, and I was making monthly payment…

Very High Credit— now what? So I’m 25, and have worked for years to get a really solid credit (795). I’ve never missed any payment ever, have paid my car notes (even when unemployed), don’t have credit card debt, and now what? I’m in no position to apply it towards a house, a car, or anything else. My biggest issue is my current money, I just dropped out of a master’s prog…

Car Loan screwed up by Credit Union hello I buy a car and applied for a loan at a credit union. Here is the back story and Credit Union screwed me up. The car cost $41,358.74, i paid down payment $7250.00. Loan I asked for is $34,108.74. However Loan officer screwed up and wrote me a check in the full amount of $41358.74. I got refund from the car dealer $7250. ​ So now I stuck wi…

Spouse accidentally tanked her credit score Long story short, she had over an 830 score with all three agencies. She made a $100 purchase using Apple Pay (which is then charged to our Chase card) but this time, for some reason, it was charged to our Apple MC. This was in April. We never received a bill by mail, email, or notification that a payment was due. I only discovered it when I wa…

Pay towards credit card debt with whole paycheck? I have about 8k in credit card debt (across 3 cards). One credit card has about 4500 on it. I just got paid and I was thinking about just using my whole paycheck to pay it down and then using my savings to pay my bills. I’ve been trying to pay my cards off and not putting anything into savings until I do pay them off. If I do this, I’ll be down …

The Garmin Venu 3 series will finally give you credit for naps The Garmin Venu 3S (left five models) and Venu 3 will both retail for $449.99. | Image: GarminGarmin is launching the Venu 3 and 3S today, and there’s good news for nap lovers. The company is debuting a new Sleep Coach feature that includes both personalized coaching and automatic nap detection. Nap tracking is a timely addition. Sleep is incre…

Woocommerce: How can I prevent someone submitting hundreds of orders to test stolen credit cards? Every once in a while we’ll receive hundreds of duplicate orders from someone clearly using a bot to test stolen credit cards. Basically all of the orders fail so it doesn’t cause too much trouble for me beyond filtering through all the emails and orders to trash them. But surely there’s a good way to prevent the orders even being placed? Anti-f…