Chevron credit card

8,200 in credit cards 5,000 left on the vehicle 7,000 in student loans
Should I consolidate?

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I am a college student and so I don't have much experience with this stuff yet, but I have read through Total Money Makeover and love the ideas.
I don't know the technicalities but somehow in high school, my mother gave me a credit card for her account with my name on it. I found out recently that I have been developing a credit score every month because of this. (I believe it is at 718 every month) She pays it off every month and I have never used the card unless she needed me to make purchases for her.
How do I get this credit history removed to achieve no credit history? How long does this take? And how will it affect me trying to get apartments/condos/houses in college and beyond?
thank you in advance!
edit: I physically destroyed/threw away the card several months ago. I just need help getting rid of the score

I was approved for a the unsecured capital one Mastercard, with a limit of $600. This isn’t much obviously, so I applied for the ATB secured Mastercard so I could have at least a 2k credit limit. I need this for hotels and taking ladies out to places this summer (more than one night would be nice🙄). My worry is that WHEN they graduate me from secured to unsecured, would they downgrade my limit or base my unsecured limit off of how I performed with my secured card at the 2k limit? I’ve been very diligent with bill payments, and haven’t missed one in 4 years (young and dumb led me to being in the situation I’m paying for now at 25). Thoughts?

My wife and I are contemplating a kitchen remodel. We've received different quotes, but it will more than likely cost between 30-35k.
Now here's our current financial situation:
We have 40k in savings, about 200k in retirement accounts, 300k equity in home (mortgage is 230k). And about 5k in discretionary investments. About 0 cc debt. 22k car loan.
Our monthly bills total to about 8k after payroll deductions/retirement accounts/529 plans. We save roughly 1k per month outside of these costs.
Should we spend that much in cash or divide between cash and a 21 month 0% credit card? If so, what should the split be?
The 35k kitchen remodel would be a great upgrade to the current floorplan for the house, but we could get away with a 15k update of the current plan. Would it make sense to spend 20k cash and the rest 0% finance? And have 20k for emergency funds and out that into a 6 month CD at 5%?
I feel like I know the answer but I just wanted people to chime in.
Btw, my wife's job is extremely secure so only my job would need to be covered for an emergency.

I'm looking for options to earn low-risk interest on my emergency fund. I currently have most of it sitting in a savings account from one of the big banks with nonexistent returns, but want to change that.
Current options I'm entertaining:
1) SoFi savings account It has a ~4% APY* and is FDIC insured. This seems pretty safe and painless. *if you set up direct deposit
2)Fidelity Cash Management Account Many similar features to a checking account (checkbook, debit card, bill pay, and ATM access) and deposits are FDIC insured if you leave them as cash. Return is currently ~2%. If I move the funds into a money market fund like SPAXX, the current rate is ~4.5%, but it wouldn't be FDIC insured. Instead, it would be SIPC insured.
I already use Fidelity for my investments and credit card, so it would all be included in one app.
Question: What other approaches are you all taking? Am I missing some risk with the SPAXX approach with Fidelity?
Thanks!

My son, who’s 18, is very naive and don’t know how to say “no”. A woman accosted him at a Walmart and asked him to buy some baby food with tears in her eyes. He thought it would be a few $$ but she bought a breast pump that was more than $300 and baby food are expensive. She moved really quick and he didn’t realize how much it was total. He ended up spending more than $680 on her. He walked away when she started demanding gift cards too. He said he swiped his card because he was intimidated by her. Anyway, I told him to work hard and pay it himself. The question is, is there anyway he can do anything about this? We made a police complaint/report cause that woman is a known scam artist around my area. She has been doing this for a long time. But I guess the police cannot do anything because she has not “stolen “ anything. Can I call the credit card company to explain or file a fraud case? Just curious. Thank you.

Hello, so Ive had a debt in collections for the past 5 years I believe. DOFD was Aug 2018. I was young and stupid. I got a credit card and was maxing out my card. I would pay it back until I got laid off from job. I didnt have money to pay credit because I had other bills I had to pay. I didnt take my credit score serious due to being young and lack of knowledge. It was sent to cllections. Since then my credit just been the worst of the worst. I got sent a letter in the mail from the debt collectors that I own $450 which is what I owed and never paid and want to pay it off to build my credit again. But, I dont know how collections work. I only read about collection agencies being very untrustworthy, play with you and get as much as they can from you. And to not give them your bank account to pay it off. So can someone please help with how to go about this and explain what I should do. I really want to fix my credit now, I want to get an apartment. I want to buy a house when its the right time. I want to start my buisness and be able to get a loan from bank. I feel so dumb. I feel like Im the only person that has the worst credit ever. Please help!

I was thinking of getting the normal Ulta card to start building credit while I'm young, and there's a hair curler I've been wanting for a while. Can I use my employee discount on top of the 20% off for the first purchase with card, or not? I feel like I should know this but I just wanted some clarification before I go in.

I just contacted a debt consolidation company, specifically National Debt Relief.
I have about $8k in dental loan debt and $1500 in credit card debt.
The credit card debt utilization is between 90% to 100%.
My payments are current and there's no forbearance on anything.
My take home income would be around $2200 a month and 2/3 of that goes to all of my current bills.
I would like to know if it is a good idea to use debt consolidation regardless if it affects my credit score?

I keep getting the message “Payment failed” when trying to checkout through Subway app or desktop. I’ve tried multiple credit cards, guest checkout, different accounts, etc. Nothing works!
Does anyone know how to fix this issue?

Goal: I'd like to be paying a mortgage I can afford by the end of 2028.
Problems:

• I live in Austin Tx, ( I want to stay, but I'm open to Jonestown or Lago Vista as they are the most affordable and realistic for commute.) I'm most drawn to the idea of building a small 1,100 sq ft new home on some cheap land outside of the dam flood zone.
• I need a credit card to establish a history of revolving credit. My history is good (car paid off), but no open lines seems to piss loan officers off... I'd like to be pointed in the direction of a card that I can make all of my purchases on. Literally everything. One that is incredibly simple to setup automatic payments from my bank account to avoid paying interest. And one that will have the most "free money" from their rewards system for things like my retirement account. I really don't buy shit (I'm a gamer), or travel very much.
• I just dumped 6k in my roth for 2022, 10k in I-Bonds, and will keep 20k in my money market account as emergency funds to take advantage of the good interest rates for the moment. That still leaves me with 50k to invest. These funds were going to be my down payment, but I think using the next 5 years to grow the funds, establish credit, and wait out the shitty mortgage rates is my best option. Should I buy some undeveloped land, or jump into a 4.6% 5 year CD? Or is there something better?

I've been putting in the leg work to get my income on an upwards trajectory, my retirement accounts on the right track, and my savings invested somewhere I can take advantage of the current economic climate. I'm 31, and I make 62k a year, with decent potential to be making closer to 90 within the next 10 years in my industry.

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So, I have been trying to apply for the Marriot Brilliant card, but I always get the pop up. I do spend on my other Amex credit cards, so I don't think that's the issue. I'm an authorized user on wife's Marriott card, so I don't know if it's related. Is it possible to apply on the phone for the card? Do they tell you if you get the bonus or not?

So.. about 8 months ago I got my first discover card (first cc) I applied for the student card but got the chrome. I wanted the discover it. Is it worth changing over ? Or should I build credit with my current and wait for better options.

To say that I’m a Diablo Fan is an understatement, but unlike some who discovered Diablo in the 2nd installment, I discovered the Diablo Series at Diablo 3 when it came out May 15th, 2012, and followed it all the way through its full and complete series. I played D3 for about 3-4 years as a part of my daily Gaming schedule for pure enjoyment, but there was finally a point in which I could not run the same circle or cycle over, over, over, over, and over again, which led to me finally & sadly ending my time on D3. All I could think about was “Why hasn’t Blizzard put out a Diablo 4?”. Yet, the years continued to pass…11 years in fact.
Then with the Greatest Joy and Excitement, Diablo 4 was announced November 19th, 2019, but…prematurely so, with no release Date attached, and we all were left with our proverbial Pants around our ankles waiting for the Big Date. As it was later deduced that Blizzard wanted to create a buzz to get people to buy into Diable Immortal, a Pay To Win Mobile platform game, that was initially rebuked, but somehow there still were those that have shelled out unimaginable amounts of Real Money to progress in that arena. Once again proving that Mentally Damaged Individuals are willing to Enslave themselves, and are more than willing to be Fleeced just to Win at something in Life, even if its as pathetic as a Video Game. (Side Note: This is also evident as the companies that provide Cheat Programs for PC, and Cheating Hardware products for Consoles have produced Record Earnings in 2022 due to the sheer number of pathetic individuals willing to cheat at something as simple as Video Game just to Win at something in Life.)
So here we are…11 Years from the start of D3, and 2 years after the initial announcement of D4, and finally we had a chance to play the Beta of D4. I believed it was fully understood by the Masses that the Beta was a Test of the Infrastructure of the Game itself, as Blizzard stated initially. Additionally, I believed it was fully understood by the Masses that the Beta was a mere 20% of the Full Game, and would be more of a Stress Test than an Actualization of the Real or Full & Final Structure of the Game itself.
However, Enter the Nerds, Dweebs, & 30 yr Old Virgin Console & PC Sycophants with the Waves of Negativity, Criticism, and their supposed Expert Negative Opinions through their extensive Criticism of D4 in totality. The negativity posted on YouTube was overwhelming. Once again the Nerds, Dweebs, & 30 yr Old Virgin Console & PC Sycophants lived up to their useless opinions.
I listened to their Negative commentary and game play of the Barbarian. Being a Barbarian Master, I already knew that the Barbarian at Level 25 was just getting started in his Growth Structure, and would become God-Like by the time he reached Levels 40 to 50, less known by the time he made it to levels 80 to 90. But, here they were spouting off about how useless the Barbarian was, because they were themselves Ignorant of the actual Mechanics of Diablo as a whole, and they were already looking for the EASIEST Character to use in D4, because they were either incapable of playing the Barbarian properly, or they were more interested in being the Sorcerer, Rogue, Necromancer, or possibly the Druid. How many times did I see the useless Negative Sycophants playing the Barbarian and IMMEDIATELY turn to the Spinning Barbarian tactic, which is the MOST MIND NUMBING limited structure to play the Barbarian on any level of the game. Yet, the sheer numbers of YouTubers & Twitch Streamers who followed that dynamic was staggering to say the least. This is when I knew these idiots knew NOTHING of Diablo, and their opinions should be seen as nothing more than Fecal Matter Smeared Toilet Paper and quickly flushed accordingly.
Then came the immediate Flocking of Pigeons to the Sorcerer…and Suddenly Everyone Loved being the Sorcerer. Imagine that…Make it EASY on them and the Pigeons loved it immediately. The same was seen with Rogue, as the praise for how FUN & Easy it was to play Rogue. With everyone anticipating the release of the Necromancer in the following weekend.
Just as predicted, the Pigeons loved the Necromancer, because they seemingly didn’t have to worry about Dying, and they were overwhelming the Games settings easily. It was laughable to say the least watching each Streamer extol how AMAZING they were, and how Great they were at D4. Then the inevitable happened…they began stating: ”D4 may be too EASY for me, and it’s too repetitive in its current state.” Pathetic.
Any Diablo Expert or Master knows that the Beta was presented as a Present to those that chose to Pre-Order D4. The Beta was set up on EASY, just to confirm that everything was working as it should, the applied skill tree, the attributes of the Weapons & Armor, the secondary attributes, and movements of the Characters. The Beta severed its purpose very well. The Servers had trouble digesting the sheer numbers of players that jumped on all at the same time initially, but Blizzard handled that issue as best they could under the circumstances.
It’s going to be SO FUNNY watching all these Sorcerers, Rogues, and Necromancer Fans DIE OVER & OVER in their attempts to Level Up wondering…”Why am I dying so much, and why can’t I beat the Bosses as easily as in the Beta?” How fast will that head back to Fortnite, or some Pay to Win Game that they can use their Mothers Credit Card to appear to be Good at something. LMAO. My disdain for them is already palpable.
I am not a Developer for D4, and I am not sponsored, nor do I have any vested interest in D4 other than my personal hopes for a Game that exceeds my Adventurous Hopes to delve as deep as possible into the War between Good & Evil that is the Fabric and Foundation to Diablo 4 in its entirety. I waited until the tides of Sycophants moved on to make this comment, because unlike them, I am not out to become “Popular” for my opinion.
For the Diablo Purist. D4 will have its Positives and Negatives as does any Video Game, but there are some things that are easily solved, like the Storage Amounts, and some things that are not, like Co-Play on PC. We will see D4 evolve over the years just as D3 (The most Sold & Played game EVER) that lasted 11 years somehow with people still playing it Daily.
If I were to put my two cents worth of an opinion out there it would be to ask that they (Blizzard Devs) continue to EXPAND the Open World Map Over Time, and don’t leave the Map as is for the duration or remainder of the existence of D4 as they did in D3. I believe the OPEN-WORLD Concept was an Excellent and Winning Idea that will pay off greatly, but I sincerely hope you don’t become static and fail to push deeper into what will surely pay-off magnificently if you guys should choose to EXPAND the D4 Open World Structure over time so the dedicated players don’t burn out running the same circles & cycles over, over, over, over, and over again until they are forced out of D4 due to the sheer pointlessness of playing D4 anymore. Please put New Monsters, Abilities, Weapons, and Bosses in New Locations in the years to come.
Otherwise, I’ll see you on June 6th with my Barbarian, and My Wife will be a Magnificent Mage grinding to Level 100 over time. I’ll probably try the Rogue or Druid too. I don’t like the Necromancer, because I don’t like letting the Mob play the Game for me. By the way Necromancer lovers, don’t think you’re just going to run about D4 untouchable either. I’ll leave my predictions at that, because I don’t want people thinking I’m a secret Dev, or that I have some unknown secret information, which is totally not the case at all.
Take care, and I’ll see you guys out there June 6th to Destroy all that is Evil.
OMNIGod

Had my credit card replaced after I lost my wallet, now it's showing an additional closed account on my credit report. Even though I've only ever had one credit account with them, now I have one closed and one open account on my report. Can someone please explain? https://imgur.com/a/DYNuNM2

To say that I’m a Diablo Fan is an understatement, but unlike some who discovered Diablo in the 2nd installment, I discovered the Diablo Series at Diablo 3 when it came out May 15th, 2012, and followed it all the way through its full and complete series. I played D3 for about 3-4 years as a part of my daily Gaming schedule for pure enjoyment, but there was finally a point in which I could not run the same circle or cycle over, over, over, over, and over again, which led to me finally & sadly ending my time on D3. All I could think about was “Why hasn’t Blizzard put out a Diablo 4?”. Yet, the years continued to pass…11 years in fact.
Then with the Greatest Joy and Excitement, Diablo 4 was announced November 19th, 2019, but…prematurely so, with no release Date attached, and we all were left with our proverbial Pants around our ankles waiting for the Big Date. As it was later deduced that Blizzard wanted to create a buzz to get people to buy into Diable Immortal, a Pay To Win Mobile platform game, that was initially rebuked, but somehow there still were those that have shelled out unimaginable amounts of Real Money to progress in that arena. Once again proving that Mentally Damaged Individuals are willing to Enslave themselves, and are more than willing to be Fleeced just to Win at something in Life, even if its as pathetic as a Video Game. (Side Note: This is also evident as the companies that provide Cheat Programs for PC, and Cheating Hardware products for Consoles have produced Record Earnings in 2022 due to the sheer number of pathetic individuals willing to cheat at something as simple as Video Game just to Win at something in Life.)
So here we are…11 Years from the start of D3, and 2 years after the initial announcement of D4, and finally we had a chance to play the Beta of D4. I believed it was fully understood by the Masses that the Beta was a Test of the Infrastructure of the Game itself, as Blizzard stated initially. Additionally, I believed it was fully understood by the Masses that the Beta was a mere 20% of the Full Game, and would be more of a Stress Test than an Actualization of the Real or Full & Final Structure of the Game itself.
However, Enter the Nerds, Dweebs, & 30 yr Old Virgin Console & PC Sycophants with the Waves of Negativity, Criticism, and their supposed Expert Negative Opinions through their extensive Criticism of D4 in totality. The negativity posted on YouTube was overwhelming. Once again the Nerds, Dweebs, & 30 yr Old Virgin Console & PC Sycophants lived up to their useless opinions.
I listened to their Negative commentary and game play of the Barbarian. Being a Barbarian Master, I already knew that the Barbarian at Level 25 was just getting started in his Growth Structure, and would become God-Like by the time he reached Levels 40 to 50, less known by the time he made it to levels 80 to 90. But, here they were spouting off about how useless the Barbarian was, because they were themselves Ignorant of the actual Mechanics of Diablo as a whole, and they were already looking for the EASIEST Character to use in D4, because they were either incapable of playing the Barbarian properly, or they were more interested in being the Sorcerer, Rogue, Necromancer, or possibly the Druid. How many times did I see the useless Negative Sycophants playing the Barbarian and IMMEDIATELY turn to the Spinning Barbarian tactic, which is the MOST MIND NUMBING limited structure to play the Barbarian on any level of the game. Yet, the sheer numbers of YouTubers & Twitch Streamers who followed that dynamic was staggering to say the least. This is when I knew these idiots knew NOTHING of Diablo, and their opinions should be seen as nothing more than Fecal Matter Smeared Toilet Paper and quickly flushed accordingly.
Then came the immediate Flocking of Pigeons to the Sorcerer…and Suddenly Everyone Loved being the Sorcerer. Imagine that…Make it EASY on them and the Pigeons loved it immediately. The same was seen with Rogue, as the praise for how FUN & Easy it was to play Rogue. With everyone anticipating the release of the Necromancer in the following weekend.
Just as predicted, the Pigeons loved the Necromancer, because they seemingly didn’t have to worry about Dying, and they were overwhelming the Games settings easily. It was laughable to say the least watching each Streamer extol how AMAZING they were, and how Great they were at D4. Then the inevitable happened…they began stating: ”D4 may be too EASY for me, and it’s too repetitive in its current state.” Pathetic.
Any Diablo Expert or Master knows that the Beta was presented as a Present to those that chose to Pre-Order D4. The Beta was set up on EASY, just to confirm that everything was working as it should, the applied skill tree, the attributes of the Weapons & Armor, the secondary attributes, and movements of the Characters. The Beta severed its purpose very well. The Servers had trouble digesting the sheer numbers of players that jumped on all at the same time initially, but Blizzard handled that issue as best they could under the circumstances.
It’s going to be SO FUNNY watching all these Sorcerers, Rogues, and Necromancer Fans DIE OVER & OVER in their attempts to Level Up wondering…”Why am I dying so much, and why can’t I beat the Bosses as easily as in the Beta?” How fast will that head back to Fortnite, or some Pay to Win Game that they can use their Mothers Credit Card to appear to be Good at something. LMAO. My disdain for them is already palpable.
I am not a Developer for D4, and I am not sponsored, nor do I have any vested interest in D4 other than my personal hopes for a Game that exceeds my Adventurous Hopes to delve as deep as possible into the War between Good & Evil that is the Fabric and Foundation to Diablo 4 in its entirety. I waited until the tides of Sycophants moved on to make this comment, because unlike them, I am not out to become “Popular” for my opinion.
For the Diablo Purist. D4 will have its Positives and Negatives as does any Video Game, but there are some things that are easily solved, like the Storage Amounts, and some things that are not, like Co-Play on PC. We will see D4 evolve over the years just as D3 (The most Sold & Played game EVER) that lasted 11 years somehow with people still playing it Daily.
If I were to put my two cents worth of an opinion out there it would be to ask that they (Blizzard Devs) continue to EXPAND the Open World Map Over Time, and don’t leave the Map as is for the duration or remainder of the existence of D4 as they did in D3. I believe the OPEN-WORLD Concept was an Excellent and Winning Idea that will pay off greatly, but I sincerely hope you don’t become static and fail to push deeper into what will surely pay-off magnificently if you guys should choose to EXPAND the D4 Open World Structure over time so the dedicated players don’t burn out running the same circles & cycles over, over, over, over, and over again until they are forced out of D4 due to the sheer pointlessness of playing D4 anymore. Please put New Monsters, Abilities, Weapons, and Bosses in New Locations in the years to come.
Otherwise, I’ll see you on June 6th with my Barbarian, and My Wife will be a Magnificent Mage grinding to Level 100 over time. I’ll probably try the Rogue or Druid too. I don’t like the Necromancer, because I don’t like letting the Mob play the Game for me. By the way Necromancer lovers, don’t think you’re just going to run about D4 untouchable either. I’ll leave my predictions at that, because I don’t want people thinking I’m a secret Dev, or that I have some unknown secret information, which is totally not the case at all.
Take care, and I’ll see you guys out there June 6th to Destroy all that is Evil.
OMNIGod

This is a weird ask given that the majority of people wouldn't want to do this busy work, but I figured I'd give it a shot in case anyone is looking to make a little bit of extra money.
I've been trying to use the sheet, but I end up feeling overwhelmed. With each passing day, there are more and more transactions to add, but I'm still on my February transactions. I know I'll stay consistent with it once it's fully up to date, but it's just hard for me to get started now because I'm still familiarizing myself with inputting credit card payments after transactions have been added onto the credit card. It would also be helpful for me to see how the lines were recorded so I know how to record my future transactions.
I'd ideally want to hand over all my financial statements for it to be inputted, and only a month's worth of items would be great too. I'm unsure how familiar the folks on Fiverr are with this sheet which is why I'm also asking here. If that's not possible, any screenshots with examples of how your credit card transactions and payments are logged would be helpful too.