ChiMello
ChiMello t1_jefrwjj wrote
You can't just cancel a card you owe money on.
ChiMello t1_jea65c2 wrote
Reply to Why are we encouraged to charge everything to a credit card but get penalized for high credit utilization? by New-Row7111
For one thing, utilization is based on your balance when the statement is generated with most credit cards (a few report more than monthly but for most the statement balance is the % that gets reported). For example if your balance on your statement is $650 on your $700 card, your utilization that your credit card company will report that month is going to be nearly 93%, even if you pay the entire $650 before the due date.
ChiMello t1_j6nndea wrote
Reply to comment by ZachBurner in I'm 25 in New Jersey and I'm thinking about buying a home instead of renting with my Girlfriend by ZachBurner
You need to budget to have money set aside for unexpected repairs too.
After utilities your mortgage would be around half of your take-home pay. It will be tight.
ChiMello t1_j6ga76j wrote
Reply to Is it a bad idea to keep my old apartment if I already have my own home but its noisy? by Ok-Description150
This is something more appropriate to post in /r/AmItheAsshole and I can predict what the answer will be.
ChiMello t1_j6fuhyi wrote
Reply to comment by schrodingerzdawg in Charged off credit card account, dates on credit report inaccurate by schrodingerzdawg
File a dispute based on inaccurate date. )If you can find old letters or statements to back up that you can upload them and your odds of winning will be much higher). Some shady debt collectors engage in redating of old debts to pressure people to pay them. Some even file lawsuits past the SOL and just hope the debtor doesn't show up so they get a default judgment despite being past the SOL.
ChiMello t1_j26lq0n wrote
Reply to comment by Werewolfdad in Wells Fargo closed my account for a negative balance + not having a job for 2 months by Mrzeldaootfan
I would not count on the OP being able to do so. WF most likely will have reported the involuntary account closure and prolonged overdraft to ChexSystems and most banks are going to run a check with them before approving a new account.
ChiMello t1_j26lezd wrote
Reply to comment by Mrzeldaootfan in Wells Fargo closed my account for a negative balance + not having a job for 2 months by Mrzeldaootfan
You couldn't come up with $8 somehow? They are not going to make a payment arrangement for less than $10.
ChiMello t1_iuikooc wrote
Reply to comment by [deleted] in Toured apartment, promised a unit at a certain price. I applied and now they are saying that unit will not be available and they won't refund the app fees. Next steps? by [deleted]
They should at least refund the deposit and the admin fee.
Legally they definitely could not keep the security deposit under the circumstances you describe. Ethically (and possibly legally) they shouldn't keep any of it including the application fee when you applied for an apartment that isn't available due to an error with their system. Keeping the application fee if someone is just turned down for the apartment after they are screened is one thing, your situation is different.
ChiMello t1_jegbrvi wrote
Reply to Opinions on paying yourself first before creditors? by [deleted]
That is bad advice. You will be poorer in the long run by continuing to pay extra interest on your debts. You think you "can't get ahead" now? Following his advice will just dig you into an even deeper hole.