Credit card interrogatory

Hello all, I have several credit cards with an unused balance of 93,000. I’m trying to figure out whether this has an impact on my borrowing power.
I want to buy a second home sometime in the future and just wondered if this would have a negative impact.
I like to have a lot of unused credit as no one knows the future but I technically don’t need this amount.
In the event I would like to buy a second home home, would I need do decrease my limits? Not even sure how this works. My thoughts is if I have not used that credit it shouldn’t matter but I don’t know.

Basically when I was in high school, I worked in a fast food chain so my mom opened a bank account with me in person. I don’t exactly know what type of bank account it is, but my mom has access to it as in she can see my transactions and stuff.
My mom gave me a credit card to use for my daily expenses that I’ve been using since she gave me a few years ago. The physical credit card has my name written on it and in the Chase app, there’s a credit score provided. My mom has access to all the credit card stuff and in the Chase App, it says something that my card is an authorized user. Will the credit score in the Chase app be my credit score?
I want to have my own stuff soon where she doesn’t have access to anything, so idk how applying for a new credit would work since the credit score on my Chase app went down.
Edit: In the Chase app, there’s something that says “Chase College”

I bought something online and I used PayPal and I didn’t have a balance so it took it from my debit card. I don’t have a credit card. Is that still safe I didn’t put my debit card details onto the site it’s just bc I didn’t have a balance.

I'm looking into the best credit cards from studying abroad. I've seen that American Express has some with no exchange fees (I’ll be in Europe). If you have any suggestions on which card i should get or any i definitely shouldn't that would be amazing.

My ex wife ran up all my credit cards (20 some thousand worth) before we got divorced leading me to face financial ruin.
I know of someone with a 500 credit score who has burnt up $1,500 in application fees trying to find a place to rent. My lease is up in 3 weeks and my current place I am renting has become overgrown with crime.
I make good money, in fact if my credit was good, I would be looking at buying a house right now.
I understand credit is a qualifier for the majority of rentals, but credit does not always define a person. People get ill, get laid off, or face other financial disasters that can tank their credit, and these situations be completely outside of their control and occur with little warning.
I've seen places want 620 Fico, I've seen places want 660 and 720 Fico. A 30yr FHA fixed only needs 580 Fico at 3.5% down, and 10% down at 500 Fico.
I've seen a huge rise in homelessness in my city to the point the city is spending millions building tons of warming shelters.
I've offered to pay several months of rent in advance. I've offered 4-5 times the deposit being asked, but they will not budge.
So many I talk to are in the same situation I am in.

Hello everyone,
How can I sell cryptocurrencies in my web app? For instance, in binance, you choose the amount of a certain cryptocurrency and proceed to the payment gateway where you enter your credit card information and then you get your coins. What resources can I check?
Thank you very much.

TLDR: I listened to my T14's Financial Aid Office, shouldn't have, and now need ideas for employment.
This is a throwaway account because I think I'll probably reveal enough about the school to out what school it is.
After doing great in undergrad at keeping my debt down, I got relative pennies in financial aid coming into law school. Like, enough that they said "we didn't forget about you, but don't you go spending this nickel in one place!"
I spoke with FA about it, and they advised me that I should focus on my grades in 1L and not worry about cost so much, and then in my 2L and 3L years, I could be a TA for an undergrad course, which comes with a full tuition waiver and a monthly stipend. Cool deal, right?
In 1L, I experienced two separate family emergencies and a medical emergency of my own. It drove my student loan debt alone from like $25,000 out of undergrad to about $120,000. In 2L, I did as they said, and got a TA gig. It was not nearly as easy as they made it out to seem, but I got one, and 2L was much easier for me. After interest, I'm hovering around $130,000 in debt and was financially stable for 2L, which I could not say for 1L.
Now, the Department that I am TAing in is firing all law students (rather, they're "not renewing our contracts") because we cost too much in our tuition waiver. Never mind the number of law students who specifically swallow the sticker price because they are told that they can just TA. So I'm now staring into the barrel of another $90,000 year, with no income, and graduating with over $200k in debt. Which I really don't want to do. Our union is grieving this, as it is a pretty clear violation of our contract, but the union seems more preoccupied with fighting for divestment from Israel (which is never going to happen) than actually helping student workers with out actual problems, so I am not holding my breath.
I'm trying to make the best out of a bad situation. I'm planning to live very cheaply next year, and I've taken an internship for credit in DC that I wouldn't have been able to do as a TA (because I would have had to be in-person). But I really need a job. It's never going to give me a tuition waiver, but it could at least bring my debt down. I'm working as a summer associate at a large firm this summer, but that money is almost all going to paying off $25k in credit card debt that I accumulated during 1L.
So I'm looking for part-time remote options that are flexible with my internship schedule. Any ideas? I've thought about tutoring, but I don't know what the remote options for that look like.
Lesson to 0Ls: don't trust financial aid.

I racked up 20k in debt living with my ex boyfriend for the last three years. I was super underpaid (30-40k for first two years in Florida) and also very bad with money and saw credit cards as “free money”. Well now that my frontal lobe has clicked into place, I am realizing this is DISASTROUSLY UNTRUE.
This is what I’m dealing with: - Chase: 12k limit, card is maxed (used this card to put a downpayment on my car, 2k) - American Express: 2k limit, card is maxed - Citibank: 3k limit, card is maxed
Car loan is at 25k, I’ve owned it for a year, I’m not factoring it into the overall debt. It’s a Toyota and I plan on running it into the ground.
COLLECTIONS: 4k bill that the hospital mistakenly charged to me instead of my health insurance. I am still on my parents health insurance and it is the BEST you can have and everything is covered. I do not know what to do with this because the hospital visit occurred three years ago because of a car accident, and I only now became aware of it because it got reported as a collection on my credit. Do I pay it? Do I let it sit?
CURRENT SITUATION: - I was paying 2k in bills. - I am now paying 700 in bills for my car, car insurance, and phone. These are my only bills aside from CC minimum payments. - I just moved home 2 months ago and my parents do not want me to pay rent of any kind. I buy stuff to help with dinner from time to time but that’s about it. - I just went from commuting 2hrs/day 5 days a week, to working fully remote.
WHAT I HAVE: - Bringing home: $1900 per paycheck x 2 = $3800/month in income - $5k in the bank as we speak - $250 in stocks (lol) - nothing in savings.
I’m holding onto the 5k because I’ve never ever had that much saved ever. But please advise me on what to do best. Do I just shovel every penny towards the debt and save nothing? I cannot get a debt consolidation loan as the collection is ruining my credit. What do I do with the collection?
I am willing to do WHATEVER you all think is best so please be harsh. Thank you 🙏

So I have a poor credit score. Right now I’ve all the dues cleared. I want to rebuild my credit score. I’m planning to get a cc against fd. Tried OneCard, but they’re saying I don’t have any offers right now and I don’t want to wait for them. I’ve some 70k ready to be put into fd. My plan right now is I’ll do a fd of 50k and get IDFC wow card and another fd of 20k in paisa bazaar step up card. One is a Visa card and other is a rupay. Should I go ahead with this or get only one card? Can I get suggestions about this?

If I have a WF cash back rewards card and I pay it off, then I charge more and pay that off, do I get rewards on all points even if I theoretically went over my credit limit in one month? For example, if my credit limit is $3,000 and I make two charges of $2,500 in the same month (having paid off the card before the second charge). Will I get points for all $5,000 or is it maxed at my monthly limit?

On Saturday i applied for AU Ixigo cc through Ixigo app. Completed form then went through VKYC. I am living in a different city then my home address due to work. In VKYC, that person asked me why my current residential address is different from my home or office address.i told it is due to job and i am currently living in PG. And straight away she told me that she can’t move ahead with my application because my current address is not my office address neither my home address, for which i told is the stupidest reason i’ve ever heard. She closed the call and i thought,fuck it, anyway i didnt need that. In 5 minutes after that vkyc, i got a call from au bank. The guy in the call asked me if my vkyc was successful, to which i told him what happened .He told me to never say current address , always mention your office adress or home address during vkyc. I told him they are able to check my current location during vkyc which is different. To which he told, no one is going to ask you your current address , always mnetion ur office or address mentioned in aadhar card. He then asked to connect again for vkyc, he will take care and only mention office adress. Opened app and resumed for vkyc,different person this time and he asked for current address . I told him my office address but he told that as i can see, your current address is not that. Finally after some back and forth, i told him my current address and he didnt objected to it and said ur vkyc is done. Which was unexpected for me. In next 2 hours got message that my application is approved and at 11 PM received message that my card is dispatched. And today on sunday at 3 PM I received my credit card with such an incredible unboxing experience. I have total 8 credit cards, but have never seen such a fast approval and delivery from any bank. Maybe they have some kind of target to complete, but overall it was a good experience with any cc company and i have to tell you, the packaging for cc was so royal. Even though i have i idfc wealth ltf, but the unboxing for this cc was delighting.

I am wanting to rent a car. I would be renting in my name using my credit card. However, I'm not comfortable driving in big cities so I want to let my child who is 22 drive. Yes, he is a safe driver and has driven all over the country and in many big cities when we've driven on vacations. I've checked most of the rental car companies online and if I add an additional driver that person has to be 25. Would it be better to rent it in my child's name and just pay the under 25 fees up front?

Hi,
So I got approved for a percentage of financial aid. I wanna proceed to check out and when I do, I can only change my name and country. The parts where I enter my card number, ccv, and expiration date are just blanks that can't be clicked on. I tried it from both my phone and laptop; same results. I don't know what to do. Can anyone please help?