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KiasuChick's Pay-My-Rent -O-Rama updated 12/29/2007 Archived From: Finance

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alert mods    
   posted: Sep. 12, 2007 @ 3:40a

kiasuchick said:Wow totally different game since May. B of A won't allow CL reallocation to 0% card.When I called their BT number, B of A was easily able to move all but $500 from all of my other B of A accounts. Try that number (which is listed in various threads here and also on the BT checks) and you may have better luck...


alert mods    
   posted: Sep. 15, 2007 @ 1:53a

OK so my balances went down $9k and my EQ score went up 50 points today.

That is crazy!


alert mods    
   posted: Sep. 15, 2007 @ 8:00a

theman2 said:kiasuchick said:Wow totally different game since May. B of A won't allow CL reallocation to 0% card.When I called their BT number, B of A was easily able to move all but $500 from all of my other B of A accounts. Try that number (which is listed in various threads here and also on the BT checks) and you may have better luck...I think getting to a credit analyst rather than a run-of-the-mill csr, especially if it's a very new account, will give you the most flexibility in transferring lines (with any company, not just BoA).


alert mods    
   posted: Oct. 2, 2007 @ 3:29a

Ok AMEX are nuts. They FRed my Mum's Blue Card (CL: $24,900) without any action on the account. No new cards, no CLI and no purchases.


alert mods    
   posted: Oct. 2, 2007 @ 6:43a

kiasuchick said:Ok AMEX are nuts. They FRed my Mum's Blue Card (CL: $24,900) without any action on the account. No new cards, no CL and no purchases.Wow. There go all the theories --- out the window. Do tell how it turns out, won't you?


alert mods    
   posted: Nov. 3, 2007 @ 12:28a

jackcrawfish said:kiasuchick said:Ok AMEX are nuts. They FRed my Mum's Blue Card (CL: $24,900) without any action on the account. No new cards, no CL and no purchases.Wow. There go all the theories --- out the window. Do tell how it turns out, won't you?

Card was cancelled one week later. Insane!


alert mods    
   posted: Nov. 24, 2007 @ 1:39a

Wanted to do some analysis now all the 0% is in place from Yodlee.

US (0% and Nov Spending) CC Total Debt: $197,683.75
UK 0% CC Total Debt: $20,321.61 (£9,864.86)

Total: $218,005.36

Total Sitting In Fidelity FSLXX: $205,568.05
Total Sitting In UK ING: $4,277.40 (£2,076.41)

Total: $209,845.45

Shortfall: $8,159.91

Trying to figure out if it's worth taking some of my 0% 'til June/October 2008 US AOR money to pay off the UK 0% expiring in February or not. The exchange rate is horrendous. I think I will try to get another 0% card with capped fee, if there are any left.


alert mods    
   posted: Nov. 24, 2007 @ 8:35p

kiasuchick said:Ok AMEX are nuts. They FRed my Mum's Blue Card (CL: $24,900) without any action on the account. No new cards, no CLI and no purchases.DO. NOT. PLAY. WITH. AMEX.

They'll bring your whole house of cards tumbling down.

Please.


alert mods    
   posted: Nov. 24, 2007 @ 11:26p

kiasu, maybe I missed it, but where did the shortfall in the GBP-denominated accounts come from? Is that card debt "real debt" or did something go wrong?


alert mods    
   posted: Nov. 25, 2007 @ 4:42p

markkundinger said:kiasu, maybe I missed it, but where did the shortfall in the GBP-denominated accounts come from? Is that card debt "real debt" or did something go wrong?

It's "real debt" from when I was in college. Been moving it around for 6-7 years from one 0% card to another.

I've been maxing 401k/Roth/paid car loan off instead of paying it down as the exchange rate keeps getting worse. I'm a positive $8k net worth now overall (up from -$31k in Jan this year) but that factors in ESPP and retirement. So it sucks. So close, but still a bit far from eliminating ALL debt.

Knock on wood, no slip ups yet on the AOR front, six months on...


alert mods    
   posted: Dec. 16, 2007 @ 12:34p

November Interest: $889.28


alert mods    
   posted: Dec. 16, 2007 @ 1:31p

kiasuchick said:November Interest: $889.28
very nice, that's free rent where I am. well done.


alert mods    
   posted: Dec. 16, 2007 @ 1:47p

jevon90 said:kiasuchick said:November Interest: $889.28very nice, that's free rent where I am. well done.don't forget income tax


alert mods    
   posted: Dec. 17, 2007 @ 3:47a

scripta said:jevon90 said:kiasuchick said:November Interest: $889.28very nice, that's free rent where I am. well done.don't forget income tax

still free rent for me after considering the tax implications


alert mods    
   posted: Dec. 17, 2007 @ 3:50a

jevon90 said:kiasuchick said:November Interest: $889.28
very nice, that's free rent where I am. well done.

Thanks. I just wish I could keep this up after June/Oct of '08. It's helping my cash flow a lot!


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