Cimb credit card auto-payment

I’ve never been a business owner but recently have looked into starting a small business. The one thing that would like a straightforward answer on is business funding.
If I start an LLC and go to the bank, and they give me a loan, line of credit, credit card, etc for my business, I can obviously use those funds to grow my business. Marketing, research, acquiring assets, etc. But growth isn’t guaranteed. My questions are:
1) If my business fails and I can’t repay the debts, does the LLC protect me from being impacted personally?
2) Does the bank just eat those losses?
Business funding prevents many people from getting started, but am I right that I shouldn’t fear using the banks money to take the necessary risks to grow?

I’m looking to book a big trip this year with very expensive and long flights. I’ll be booking hotels as well. I have just 1 pretty basic credit card with points but it’s not travel focused. I’m not rich by any means but I enjoy traveling. Should I get a travel credit card to put all these charges onto? If so, which one is best right now? Is there anything I should be aware of?

Hi all. I went through some time of financial instability and had a couple of credit cards end up in collections. Being stable now, I’m trying to get everything in order and fix my credit. However I’m confused because my credit score isn’t nearly as bad as I expected, and both Credit Karma and Experian are saying I have zero accounts in collections, and simply reports those credit cards as “closed.” These accounts went to collections in the last year so I wouldn’t have expected them to drop off. Should I be… worried? Should I be doing something?

I (31F) am having a daughter. For some background, I’ve had 13 losses and my last one was also a girl. I was 19 weeks along then and prior to losing her, my mom had begged me to name after her. I wasn’t sure after I had my daughter if I’d ever get pregnanct again or if I’d have another girl, so I gave her my mom’s middle name. She asked why I had done that after the fact and I didn’t think much of it, but I wasn’t mentally there if you get me.
Now I’m pregnant again a year later. I didn’t want to tell anyone the gender but she begged me for 10 minutes and manipulated me. “I’m your mom” “I’m special” “I thought we were best friends” etc etc. I finally blurted out I was having a girl and told her the name I picked out, her middle name being after my grandmother who helped raise me. My mom is insecure of my grandma and constantly has made it clear she’s jealous of the relationship I have with her.
Anyways, she got really quiet and then asked why I wasn’t naming this baby after her. I told her I already did that and she said something along the lines of “I know, but it would be something special between me and this baby”. I’ve been really upset since because I feel like she’s blowing off my other daughter, who died.
I’m now considering cutting her off. It’s been a week and I can’t get over it. For more context, my brother died 5 years ago and I’m her only child now. She’s waiting on disability and relies partly on me to pay her bills. She lives half the year with me and half the year with her sister. I feel like she will lose her will to live if I back away, but for my sanity I might have to. Is this just pregnancy hormones? Or is she truly being disrespectful?
For more context. She abandoned me and my brother when I was 18 to live with a boyfriend. This massively strained our relationship. For my daughter’s death anniversary, I received a text for money. No mention of my daughter. Her sister texted me a few days later and said my mom was depressed and I needed to call her. I did and brought up how I was upset she didn’t call and she said “you weren’t the only one to lose someone.” I call her every important day for my brother.
She’s very selfish. Has no money coming in except from me and her sister, yet she smokes, has a new car because “she needs a new one to turn her head because shes disabled”, goes on trips with her sister all the time and uses credit cards. She lied to me and said she won a free cruise next month, she’s using a credit card. Is looking at buying her 3rd dog, has the newest iPhone.
AITA if I cut her off? It’s been over a year of giving her money. She’s gone to Canada, Lake Tahoe, three cruises. A part of me doesn’t want to speak to her ever again and I’m definitely not naming my daughter after her. Hormones or am I in the right for this?

I am an American planning to get my masters in the UK this fall. My education will be funded via Federal Student Loans, and I am hoping that I can utilize some of that money to pay off credit card debt. I have about $14,000 that I will need to be down and am going to be applying to scholarships to try and get my tuition fees down. I just want confirmation that I can utilize my federal loans to pay off debt and that there will be no consequences for this. Thank you!

I'll start by saying I've got no experience with crypto, markets and crypto wallets.
I want to buy some things with crypto and I understand Monero is the safest to use. After reading a bit about it, I understand I've got to get Bitcoin (or smtn else) first, then exchange it to Monero. Now this Bitcoin is bought with my credit card, which is linked to me, of course.
If I get Bitcoin into a crypto wallet with my credit card, then transfer that bitcoin to another wallet, which is on another laptop used just with TAILS in which the Bitcoin will be exchanged for Monero, and then from that second wallet I pay the market, is that still traceable to me or was my trace lost when I transferred the Bitcoin to the second wallet?
Is this safe enough, am I going too far or not far enough?

Hey everyone,
I am looking for a 2nd CC that pairs well with my CSP.
My considerations are:

• Current cards: CSP, 5k, opened October 2024
• FICO Score: 710
• Oldest account age: October 2024
• Chase 5/24 status: 1/24
• Income: $80,000
• Average monthly spend and categories:
• dining $400 (+drinks and fun)
• groceries: $600 (online; CSP 3x)
• gas: $0
• travel: $200 (Uber mostly)
• other: $500+
• Open to Business Cards: Not yet
• What's the purpose of your next card? Building credit, Travel, Cashback; optimizing rewards
• Do you have any cards you've been looking at? Chase Freedom Unlimited (CFU), Chade Freedom Flex (CFF); Amex ecosystem
• Are you OK with category spending or do you want a general spending card? Open to both.
  
• Domestic travels 2024: 9 (6 work, 3 private)
  
• International travels 2024: 4 (2 work, 2 private)
  

For my private travels I rarely have to pay for accommodations (hotel, etc.), so it's only the flights usually.
I am going to increase my limit soon but am preparing for a second CC after the 1 year mark. Looking for a CC to maximize the rewards system for flights and expenses not captured well.
I believe one of the trifecta might be a good pick, but open to other suggestions and recommendations.
Thank you!

Hi,
I’m using this package size: 25x25x5cm. It works for every single product in my shop but I also sell some small stuff. Imagine a credit card, about that size.
I will give it some fancy packaging, bubble wrap and a nice little letter but there will still be so much space left.
Do you think this is bad? Should I organize smaller boxes for this product or just stick with the larger ones for everything?

Goodness, I thought 100% approval if wala ka namang deliquent cards or issues sa bank na to? Currently waiting for my debit card (they open a savings acc for me) and to deposit the hold out amount they require. They are asking me for COE and a business phone number daw ng company. I work for a US-based startup, and to think na tatawag daw sila sa boss ko to confirm my employment is a bit weird for me. (Embarrassing din na malalaman ng boss mo ganap on your personal life or maybe ako lang?)
Meron nga pong hold out amount dba? Why do they need these requirements pa as if I’m actually applying for a regular CC? Is my rant not valid.

Hi there! I am an American resident who is planning to study Wildlife Conservation in the UK or Ireland. I have been accepted into a number of master's programs and am unsure which route to take. My goal is to utilize some of my federal loans to pay off credit card debt, so scholarships and a decent cost of living are definitely a factor. My top choices right now are Cardiff University, University of Glasgow and University of Bristol. Cardiff is the only one that has granted me a scholarship simply for being an international student, although I am waiting to hear back from UoB. I find Glasgow to be an absolutely stunning University and honestly would consider it my top choice if not for cost. I want a University that is open to American students, has a good cost of living, strong nightlife, and an overall welcoming atmosphere. I also want a University that will provide me with a strong network so that I have job prospects once I complete my masters. Any advice on which school I should choose would be greatly appreciated. Thank you!

I was just browsing the Chase App looking at my CSP and noticed a targeted offer for 5k points if I set up auto payments. Since I had already activated this offer for my CSP through email, I figured I would just select another card and the offer would still be there. It wasn’t. If you see it, don’t screw up like I did. Click on it and you will probably be able to select which card you want to activate it on. Guess I’ll have to go on the App multiple times a day and hope it shows up again. I had gotten the email for my CFU but used it on the CSP and that was a few weeks ago so it was definitely a different offer. Be on the lookout

I have a joint checking account and 3 authorized cards that I am using for the last three years. I am expat and currently I have only ITIN number is there a way to build credit for me or I need to have a SSN?
Thanks

Hi everyone,
I’ve been trying to purchase 2 tickets to USJ but I’ve been getting payment errors. Everyone says to use Apple Pay, but I don’t see that option appear at checkout on any of my devices (only credit card and alipay). Any advice?

I apologize in advance as i believe this might be in breach of the group rules.
I recently applied for a credit card on RinggitPlus and the application guarantees a gift upon meeting certain requirements. I have met the requirements but i didn't receive any confirmation from the bank/RinggitPlus on whether I've met the requirements. How do i confirm this? Do i call the bank or ringgitplus

Hello Reddit. I could really use some help.
I’m posting this to PersonalFinance DaveRamsey financialindependence Fire
I am just starting my financial independence journey. I am 23 and am going full throttle.
I just discovered most of my mother’s financial situation. She is in her early 60s.
She has an estimated $43,000 in different bank accounts, a total of $150,000 invested across a few different retirement accounts that she just learned about. She has nearly paid off our house that is worth an estimated $300,000. There may be some more money ~10k to 20k in other places, details private…
Her spending habits are poor, but fixable. I plan to make a number of changes in regards to how she spends money and how my sibling and I can relieve her of our shared expenses that she has been paying for.
Here’s the kicker… The last time she filed taxes was 2018. It is late April 2024 as I write this. That means she owes 5 years of back taxes not including 2024. From what I understand she has made at most $70,000 a year as an independent contractor (physical therapist in the public school system). Yearly income may vary widely… maybe 50k to 70k. From my estimations the most she would have owed in a single year would be $16,215. Worst case she owes $81,075 for 5 years of back taxes not including interest.
So… debts include a max estimate of $81,075 in back taxes (interest not included), $31,498.50 owed on a car (~8% interest rate), $3,678.79 owed on a new AC/heater for the house (~12% interest rate starts August 1st), and $2,907.78 owed on a credit card.
Total debt (worst case, not including back tax interest): $119,160.07
Any advice on how to proceed. Please. Any and all strategies welcomed and appreciated.

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Hello Reddit. I could really use some help.
I’m posting this to PersonalFinance DaveRamsey financialindependence Fire
I am just starting my financial independence journey. I am 23 and am going full throttle.
I just discovered most of my mother’s financial situation. She is in her early 60s.
She has an estimated $43,000 in different bank accounts, a total of $150,000 invested across a few different retirement accounts that she just learned about. She has nearly paid off our house that is worth an estimated $300,000. There may be some more money ~10k to 20k in other places, details private…
Her spending habits are poor, but fixable. I plan to make a number of changes in regards to how she spends money and how my sibling and I can relieve her of our shared expenses that she has been paying for.
Here’s the kicker… The last time she filed taxes was 2018. It is late April 2024 as I write this. That means she owes 5 years of back taxes not including 2024. From what I understand she has made at most $70,000 a year as an independent contractor (physical therapist in the public school system). Yearly income may vary widely… maybe 50k to 70k. From my estimations the most she would have owed in a single year would be $16,215. Worst case she owes $81,075 for 5 years of back taxes not including interest.
So… debts include a max estimate of $81,075 in back taxes (interest not included), $31,498.50 owed on a car (~8% interest rate), $3,678.79 owed on a new AC/heater for the house (~12% interest rate starts August 1st), and $2,907.78 owed on a credit card.
Total debt (worst case, not including back tax interest): $119,160.07
Any advice on how to proceed. Please. Any and all strategies welcomed and appreciated.

Hello Reddit. I could really use some help.
I’m posting this to PersonalFinance DaveRamsey financialindependence Fire
I am just starting my financial independence journey. I am 23 and am going full throttle.
I just discovered most of my mother’s financial situation. She is in her early 60s.
She has an estimated $43,000 in different bank accounts, a total of $150,000 invested across a few different retirement accounts that she just learned about. She has nearly paid off our house that is worth an estimated $300,000. There may be some more money ~10k to 20k in other places, details private…
Her spending habits are poor, but fixable. I plan to make a number of changes in regards to how she spends money and how my sibling and I can relieve her of our shared expenses that she has been paying for.
Here’s the kicker… The last time she filed taxes was 2018. It is late April 2024 as I write this. That means she owes 5 years of back taxes not including 2024. From what I understand she has made at most $70,000 a year as an independent contractor (physical therapist in the public school system). Yearly income may vary widely… maybe 50k to 70k. From my estimations the most she would have owed in a single year would be $16,215. Worst case she owes $81,075 for 5 years of back taxes not including interest.
So… debts include a max estimate of $81,075 in back taxes (interest not included), $31,498.50 owed on a car (~8% interest rate), $3,678.79 owed on a new AC/heater for the house (~12% interest rate starts August 1st), and $2,907.78 owed on a credit card.
Total debt (worst case, not including back tax interest): $119,160.07
Any advice on how to proceed. Please. Any and all strategies welcomed and appreciated.

I bought myself an annual pass and I’m checking on a way to cancel the auto renewal of it, but it requires me to log into my account. That’s fine, the problem is that I bought someone else an annual pass, but they used their own account but with my billing information. We aren’t in contact anymore, so what can I do to prevent their account from just forever auto renewing on my credit card info?