Popular Post wacky1980 Posted February 27, 2019 Popular Post Share Posted February 27, 2019 you finally get that big credit card paid off in full. been carrying a balance on that card since i almost got married to the dumb one in 2009. dodged a mario-sized bullet there, but ended up with a lot of credit card debt since i'd already financed the entire wedding on plastic. i hated that card, and i went for several years autopaying the minimum on it because it was easier to forget about it than to face it directly. when wife and i had our first kid five years ago, i decided it was time to pay the god damn thing off and be done with it. at that point, it had a balance of about $10k on it. it took a little longer than i'd planned because life would keep happening and i'd need to stop paying here to pay there instead. but the last couple years have been pretty good to us, and we're finally servicing our debt like we should be. this morning, i sent off one final payment for the remaining balance. best $509.10 i ever spent. and now my paycheck is gonna seem that much bigger every month too, since i won't be sending payments off to bank of america anymore. it's gonna be a good day, skeeter. 11 2 Link to comment Share on other sites More sharing options...
bnmjy Posted February 27, 2019 Share Posted February 27, 2019 1 Link to comment Share on other sites More sharing options...
wacky1980 Posted February 27, 2019 Author Share Posted February 27, 2019 11 minutes ago, bnmjy said: this guy gets it. Link to comment Share on other sites More sharing options...
resurrected Posted February 27, 2019 Share Posted February 27, 2019 That is a good feeling. 1 Link to comment Share on other sites More sharing options...
midnight Posted February 27, 2019 Share Posted February 27, 2019 I have never liked Bank of America. They are the Walmart's of the banking world. You should have sent this with the payment. 1 Link to comment Share on other sites More sharing options...
mthor Posted February 27, 2019 Share Posted February 27, 2019 1 1 Link to comment Share on other sites More sharing options...
wacky1980 Posted February 27, 2019 Author Share Posted February 27, 2019 1 hour ago, midnight said: I have never liked Bank of America. They are the Walmart's of the banking world. BofA was never really bad to me. the card was actually pretty decent (7.5% and no annual fee) but it just developed its own stigma from being tied to debt that was essentially a big, expensive mistake / learning experience. i've never had any other accounts with them though, so i don't know how they are for actual banking. 1 Link to comment Share on other sites More sharing options...
midnight Posted February 27, 2019 Share Posted February 27, 2019 1 minute ago, wacky1980 said: BofA was never really bad to me. the card was actually pretty decent (7.5% and no annual fee) but it just developed its own stigma from being tied to debt that was essentially a big, expensive mistake / learning experience. i've never had any other accounts with them though, so i don't know how they are for actual banking. We had an account with them years ago, and they over drafted us for no reason. Like, we weren't close to over drafting and the next thing we knew, we had a negative balance. We went in there and they gave us the run around, and were acting like we were at fault, when we had bank statements and transactions history to back up our claim. When they got in trouble a few years ago for doing that shit, and there was a class action lawsuit filed against them, we got our money back, and closed the account. 1 Link to comment Share on other sites More sharing options...
wacky1980 Posted February 27, 2019 Author Share Posted February 27, 2019 when i was a kid, i had a checking account at a bank that got bought up by "us bank" and at first i was all excited because it meant we got access to all the new account features, like photocopies of checks instead of the actual, canceled checks in a pile inside the envelope. then i went overdrawn one day and didn't realize it because i wasn't paying attention. one item drew the account negative by like $20 and by time i had it all cleared up, i was into the fees for like $150. i got the balance back up to $0 and closed that little fucker right down. haven't had a checking or savings account at anything larger than a community bank since then. 1 Link to comment Share on other sites More sharing options...
midnight Posted February 27, 2019 Share Posted February 27, 2019 1 minute ago, wacky1980 said: when i was a kid, i had a checking account at a bank that got bought up by "us bank" and at first i was all excited because it meant we got access to all the new account features, like photocopies of checks instead of the actual, canceled checks in a pile inside the envelope. then i went overdrawn one day and didn't realize it because i wasn't paying attention. one item drew the account negative by like $20 and by time i had it all cleared up, i was into the fees for like $150. i got the balance back up to $0 and closed that little fucker right down. haven't had a checking or savings account at anything larger than a community bank since then. Luckily, we have never over drafted ourselves. Two separate banks have done it to us. One was BofA and the other was a small bank. They made it good, but we closed our account with them as well. We finally found a small town bank that we like. Been using them for years now with no problem. But I have to go in there Friday to file a dispute. I went to the tobacco shop Saturday, and those fuckers double charged me. I didn't know it until yesterday. Link to comment Share on other sites More sharing options...
wacky1980 Posted February 27, 2019 Author Share Posted February 27, 2019 if the smoke shop won't refund the charge (and ideally, they should be the ones fixing it and not your bank), the bank is required by law to submit the dispute on your behalf. sucks from the bank's perspective, because those disputes can cost the bank as much as $25 to file. if the total is <$25, the bank usually just ends up eating the charge themselves. 1 Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted February 27, 2019 Share Posted February 27, 2019 Some of you guys I get it.. I don't want to use credit unless I'm about to be homeless because of stories like these. Thankfully before I was confident enough to use it myself I had already heard many tales like this. I'm still trying to find a way to be a wildman and just live off the woods and stuff prolly because of it so no one take me for being pompous today.. 1 Link to comment Share on other sites More sharing options...
wacky1980 Posted February 27, 2019 Author Share Posted February 27, 2019 45 minutes ago, PhilosipherStoned said: Some of you guys I get it.. I don't want to use credit unless I'm about to be homeless because of stories like these. Thankfully before I was confident enough to use it myself I had already heard many tales like this. I'm still trying to find a way to be a wildman and just live off the woods and stuff prolly because of it so no one take me for being pompous today.. ...k Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted February 27, 2019 Share Posted February 27, 2019 Joke went too far I guess? I've never racked up shit on a credit card I couldn't deal with.. It really sounds scary as hell to me I was being melodramatic I'm sorry. I probably wouldn't have the tenacity to follow through with a 10 year credit line if that makes you feel better. If you're serious I'd like to know more details I'm not trolling.. I have friends that have told me they are still paying for bad credit decisions based on buying professional grade camera lenses/ software etc don't get me wrong. Link to comment Share on other sites More sharing options...
wacky1980 Posted February 27, 2019 Author Share Posted February 27, 2019 36 minutes ago, PhilosipherStoned said: Joke went too far I guess? I've never racked up shit on a credit card I couldn't deal with.. It really sounds scary as hell to me I was being melodramatic I'm sorry. I probably wouldn't have the tenacity to follow through with a 10 year credit line if that makes you feel better. If you're serious I'd like to know more details I'm not trolling.. I have friends that have told me they are still paying for bad credit decisions based on buying professional grade camera lenses/ software etc don't get me wrong. nah Link to comment Share on other sites More sharing options...
PhilosipherStoned Posted February 27, 2019 Share Posted February 27, 2019 Gives me hope all the same.. I never said that I am incapable of making the same decisions.. Link to comment Share on other sites More sharing options...
Raptorpat Posted February 28, 2019 Share Posted February 28, 2019 man it will be real nice to feel this same feeling if i live long enough to pay off law school 1 1 Link to comment Share on other sites More sharing options...
Naraku4656 Posted February 28, 2019 Share Posted February 28, 2019 i'll never pay off this house and i've accepted that fact 1 Link to comment Share on other sites More sharing options...
wacky1980 Posted February 28, 2019 Author Share Posted February 28, 2019 3 minutes ago, Admin_Raptorpat said: man it will be real nice to feel this same feeling if i live long enough to pay off law school for the record, that lol react is your friend, and he's trying to keep shit light. but he feels your pain. Link to comment Share on other sites More sharing options...
Codename: Jackass Posted February 28, 2019 Share Posted February 28, 2019 I'm looking forward to paying my car off very soon. Can't wait to have that millstone off my neck. August cannot arrive soon enough. 1 Link to comment Share on other sites More sharing options...
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