Recent content by StarlightScape

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    Should I refinance my mortgage? Comparing current rates and LVR

    So the mortgage is $1,685 a week. That's at 80% LVR when we bought it, and the rate's now 6.19% after yesterday's hike. The property settled less than six months ago, and now the LVR's down to around 73%, with about $150k in equity.
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    Why did Chase lower my credit limit with an 835 credit score?

    Yeah, that’s nothing new. Happens all the time, for all sorts of reasons. Chase and Citi? They’re pretty notorious for that.
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    Should I use snowball or avalanche to pay off $35k credit card debt?

    I'd probably run the numbers for both options myself and then just pick whichever one feels right for me.
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    Why did Synchrony lower my credit limit with good payment history?

    Yeah, they did the same thing to me too. They lowered my husband's Care Credit limit and just straight up closed my TJX card and that one was already paid off! Honestly, it’s so ridiculous.
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    Will my wife be affected if I don’t pay my charged-off Capital One card?

    Nope, if she's an authorized user, she can just say that's not mine and it'll get taken off her credit report.
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    GWM Utes worth it for $20K-$25K? Are repairs expensive?

    Buy a later model Triton or n70 hilux for that money
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    How do I stop relentless Indian telemarketers calling my work number?

    Remove the number from any google maps business or if its under any abn
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    Stepdad raised her 15 yrs—now bio dad’s child support goes to her, not us. Wrong to be pissed?

    I'd be wondering if it's been paid the whole time and she just didn't tell you seems kind of odd that it only shows up in pieces, unless he only works like every seven years.
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    Other driver at fault has no insurance—my car’s a write-off, what now?

    If you don't have insurance to cover these costs, you can always do the repairs yourself and then take legal action against the other party to try and get your money back in court. There’s a chance you might not get anything, and honestly, it could turn into a big hassle but next time, it’s...
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    Which credit card has the lowest interest rate in 2024?

    Honestly, if you're trying to snag a low interest credit card, you might just be better off using your debit card instead.
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    What can I do if Synchrony Bank/Care Credit closed my account for returned payments?

    This is brutal, and it actually happened to my mom too. She had an account for 10 years, always paid on time, no issues whatsoever. Then my sister, who was helping manage the account, changed her bank account and totally forgot to update the payment info. When she tried to pay the balance on...
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