I'm looking to get a travel credit card to use for upcoming honeymoon (international) and hoping to get thoughts/advice from this group. Venture X and Sapphire preferred seem to be some of the most popular and best rated but unsure which to pick. I was kinda looking at the CSR too but those seem to have fallen out of favor.
​
For context: I've had previous credit cards for years but just pay it off each month and use cash back/general points so not familiar with ins and outs of different perks. I love to travel but have really been focused on saving recently so don’t expect to do a ton other than the honeymoon, maybe some long weekends more locally. Is it even worth opening one for a single large trip?
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Didn't use the template because most of it didn't seem relevant but feel free to ask questions if needed. TIA

Hi! I just got my credit card for 1 year and is still unfamiliar with it. I have a question about my credit score. My FICO score has been 711 for the past 5 months. It doesn’t bother me as much and I always paid off my balance before the due date. This month, I paid off my balance before the due date but I have to use my credit card before the closing date. This puts a balance statement on my credit card that needs to be paid off next month. The problem is when I checked Credit Karma, it said that my credit score got -12 due to balance increased. Am I not supposed to use my credit card before the closing date? And if I pay off everything next month, will my credit score goes back up again? Please excuse my bad English as it is my second language. Thank you very much for reading and responses!

So, my parents are considering Bankruptcy. They have had a consultation with a lawyer, but are unsure if or when they will proceed yet, as my Dad has some surgeries on the horizon he wants to have done before starting the process. If they do it, it would likely be several months from now, maybe August or September. Having said that, there was one thing they were a bit unclear of when speaking to the Lawyer.
The Lawyer told them they will need to be careful about spending, both on their credit cards and from their Bank Account, in the months prior to filing Bankruptcy. He said they could get in trouble or even be sued for fraud if they racked up Credit Card debt, or spent all the savings in their Bank Account in the months prior to filing. However, he apparently didn't go into a great deal of specifics on this point. My parents wanted to know specifically how careful they need to be, and for how long prior to filing.
For example, my Mom needs a new Laptop (her old one is a Chromebook approaching end of life), which she primarily uses to bay bills and the like. It's pretty much a necessity for them, and would cost about $200-300. Additionally, my Dad has severe Parkinson's and is pretty much bedridden due to walking/balance issues, so watching TV is all he has. His old TV has died, and he would like to get a replacement, again probably something in the $200-300 range. They would be using money from their Bank Account (specifically savings, I'm not sure how much they actually have, but I think it is around $1000) for these purchases, not Credit Cards. Would these kinds of purchases be alright right now, several months before filing, or would they present a problem in Bankruptcy?
Also, they were advised against using Credit Cards prior to Bankruptcy. However, they rely on them for many things, from groceries to bills and utilities, food, etc. My Mom also subscribes to a couple streaming services for my Dad. They're going to try avoid spending what they can with the Cards, but also depend on them for so many things.
So, will any of this get them into any trouble, or have them sued for fraud? Will the Trustee come after them? They're pretty concerned and confused on this particular point. Again, this is all prior to Bankruptcy. They have not done anything yet. They've signed nothing, started no process, paid no lawyers, etc. They're unsure how they should be managing their purchases, both with Credit Cards, and with their Bank Account, several months prior to starting the Bankruptcy process?

I have a bunch of $25 prepaid credit cards, but can't seem to figure out how to use them with PayPal. Is this still something you can do to amalgamate multiple cards into one spendable sum?

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I just got tricked into making a purchase on a duplicate of a legitimate site. The real site is formatted as storename.com, the scam site is storenameus.com and has all the products from the real store duplicated.
I checked out via paypal using a credit card and somehow got charged multiple duplicate transactions all to different sellers.
What do I do here? Will paypal reverse these charges, or should I report my card stolen with my credit card company?

Just wanted to throw this out there. The /Colorado subreddit doesn't allow text posts for some reason so I figured I'd share this to my local community instead.
I signed up for Medicaid last week after being unemployed for a while. I was approved for coverage less than 15 minutes after submitting my application. I had been having serious wisdom teeth issues and needed to get it taken care of ASAP, so applying for Medicaid was my last ditch effort to find some way to afford it.
I was fully ready to pay out of pocket due to the severity and urgency of having the procedure done, but it ended up lowering the price from $4,300 to $0, including general anesthetic. If I had to pay out of pocket, it would've gone on a credit card and I would have been absolutely fucked trying to pay that back with no steady income. I walked out of that office without even having to pay a co-pay. Medicaid legitimately saved my ass.
I wanted to let people know in case you weren't aware this existed and you also have some medical issues that need attention. It's definitely worth spending the 25-30 or so minutes it takes to submit an application.

Finally got my USA Refugee Travel Document yesterday after 16 months of my asylum approval. I would like to visit Canada and Spain this summer. How to obtain a visa with this document? Do I have to apply for a re-entry permit card that is valid for 2 years? I only received the passport that is valid for 1 year. Should I ask my lawyer for the re-entry permit card and how long it will take to come? If so, how to use that card and the travel document at the same time?
I went to some visa agencies, but they were unable to help since I don't have a green card yet. I called the USCIS number and it does not allow me to speak with any agent. I googled and there's not much information. I would like to know all of your visa processes with this document to travel to other countries. What type of questions were you guys asked in the airport with this travel document? Do I have to take my original country passport as well?

TLDR because I realized after finishing that this is absolutely massive; Pucci with MiH has means to defeat his top tier contenders like Josuke, Johnny, Valentine and Giorno and it isn't that farfetched to believe he's a top 3 in the verse.
The top JoJo's characters have been pretty much common sense for a while now. Wonder of U, GER, Tusk, SnW:GB, D4C:LT, MiH, Heavy Weather,... (these are not in order, I just named them off the top of my head). I agree with the lists most times, except for many times where Pucci is placed. What if I told you Pucci can realistically be top 3 at least, if not top 2 (very situational)? Stay with me now. It is currently 00:32 AM, bored out of my mind with the Bleach OST blasting in my ears, so I decided fuck it, let me write this up as it's been on my mind debating myself for a couple days now. So to break this down, I'm just going to go over some general basics like who and why the top is well... the top.

Who are the top JoJo's characters? And why?

There are still ongoing debates on where some characters place specifically. Wonder of U is unanimously agreed on being the strongest stand in JoJo's and I agree. The debates come later though, like who is top 2? Can Tusk Act 4 bypass RTZ? Can Go Beyond kill Giorno before Giorno gets Gappy? Can Love Train contest with Wonder of U? All of these are valid topics people use to debate who deserves the top 2 or top 3 spot.
Wonder of U is unanimously accepted to be THE strongest stand due to the many statements behind it in part 8 that justify its abstract existence, dura neg, logic manipulation and just its overall insanely powerful hax ability and it was only barely defeated in a 3v1 (in which 1 of them had A LOT of knowledge and prep time) with the need of an ability that completely defied all laws of physics and universal logic. It worked because it logically should never work.
Go Beyond has arguments towards being the strongest since well... it beat Wonder of U. But then come the arguments that Josuke simply had a lot of help to barely pull it off to begin with, let alone doing it solo. So Go Beyond is already not above Wonder of U, but what about everyone else? I mean, it's an ability that doesn't exist but exists at the same time. It doesn't make logical sense, and that's what makes it so powerful. It has no logical counterplay to it and general defenses like RTZ (will come to it later), Love Train (will also come to it), infinity, GGGH,... just cannot negate and these are abilities the characters that use them rely heavily on to be threats. GER wouldn't be what it is without RTZ, same for D4C, Gojo and the Green Baby, so that makes Go Beyond pretty strong and a very big threat by default. the one issue with it is it's just way too unreliable to pull off consistently. It took Josuke the help of Yasuho and Paisley Park to guide his bubble to WoU, and then a direct point blank shot to WoU's face to finally put it down, even then he had to tank and push through many calamities sent towards him. So Go Beyond just simply isn't reliable enough to justify it being that strong, especially when the other stands just have more consistently strong abilities.
Tusk Act 4. This stand basically does everything you could ask. Basically unrivaled offensive capabilities with the infinite rotation, very flexible range with the wormholes,... The one thing holding it back is the setup it needs to be pulled off. Johnny NEEDS to ride on a horse and reached the perfect sync state between jockey and horse to form the golden ratio and channel the infinite rotation. This is a prerequisite that cannot be argued. Johnny had to use Slow Dancer against Valentine and then had to do the same thing to save Jorge from the misfortune put upon him when Johnny wished to save his wife. What makes Tusk so powerful is the IF it lands aspect. The only counterplay to the infinite rotation is simply cutting your affected limb off before it spreads, and Diego only managed to do that thanks to prior intel and the insane resolve it took to chop his leg off with no regret. The other counter to it is if Johnny himself decides to spare you, so I can't really count it as counterplay. The infinite rotation has been shown and stated to have the strongest gravitational influence in the JoJo's verse since it has unanimous control over the entire multiverse purely through gravitational influence. MiH only has universal influence, C-Moon's influence is way more personal.
D4C:LT. Only the greatest defensive ability in the JoJo's verse. A power able to redirect any misfortune towards the user to any timeline in the multiverse and attract fortune to the "center" (in this case, Valentine). This ability has caused massive scale environmental destruction, basically colliding the forest with the sea purely through attraction, while also killing Gyro simply by rejecting any potential dangers. The only way this ability was defeated was by having an attack that can affect the entire multiverse at once hit it, basically preventing it from redirecting the attack to another timeline since the attack already exists in these timelines to begin with. Love Train is one of these "just because A beats B and C is stronger than A, doesn't mean C beats B". There are legitimate arguments to believe Love Train can redirect all of WoU's calamities. The corpse has shown direct fortune manipulation in part 8 when Johnny prayed to the corpse to cure his wife from her illness, only to redirect the misfortune to his son, then redirected the infinite rotation back to Johnny when it was struck when Johnny used it on Jorge to cure him, only for calamity to strike Johnny later on very Wonder of U like when the boulder crushed him. The corpse has shown direct manipulation over the concept of fortune and misfortune, which is the foundation that built the calamities Wonder of U uses (calamities are basically misfortunes specifically targeted towards someone). Yet Love Train lost to Tusk, so does that make Tusk stronger than WoU? No.
GER. The previously believed to be strongest stand in the verse. Maybe it could've been sheer popularity since the part 5 anime garnered a lot of hype, which attracted a massive amount of people, spawning many misconceptions, highballs,... that simply do not make sense and well, many fans just weren't familiar with the manga, where most of the truly OP stands were invented. RTZ is what made GER what it is in the powerscaling scene today. A very strong ability that will revert and nullify the will and actions of any person who poses a threat to Giorno, no matter Giorno's physical state. The issue is, unless you're posing a direct threat to kill Giorno, RTZ will not activate (no, doing things like exploding the planet will not work since that technically still counts as a threat that can harm or kill Giorno, in this case kill). Now, the only form of counterplay we've seen for GER isn't even canon since it came from the Eyes of Heaven game where Over Heaven DIO rewrote GER's reality and made it that it can't nullify DIO's attacks (this happened the moment TWOH and GER clashed fists), but due to the canonity of the feat being all over the place, we just can't take it as fact, but by following general rules like the fact RTZ works through the manipulation of cause and effect, then by logical construction, forms of acausality bypass RTZ, so there's the counterplay, which is by no means an easy or accessible way to beat someone. so GER is indeed pretty strong and a very strong contender.
MiH, the main contender of this post and the whole reason I'm making it. Now, many people like to downplay MiH by saying it needs to speed up to be a threat, which I disagree. Pucci was speedblitzing Jotaro very early into time's acceleration and by comparing the watch's seconds arm to the moment on the rooftop compared to the moment in the ocean, the speed difference was MASSIVE. By that we can already say base MiH is at least FTL+ so no, in a lot of cases, Pucci does not have to play the waiting game (yes many characters are way faster than that, but many aren't. FTL+ is pretty fast for most verses if we're sticking to the action-adventure shounens). Now, of course, it still means you should try to deal with Pucci as soon as possible because the longer you wait, the bigger his advantage becomes. MiH has shown virtually no weaknesses other than large scale environmental manipulation to disrupt Pucci's bodily functions. MiH's base speed is already faster than most, if not all, of the stands I mentioned above (the only arguable ones would be Tusk and GER). Now, for me what makes MiH so strong and I don't know if it's overlooked or not, but it's the fact Pucci has complete control over the timeline once the universe resets.

Why I believe Made in Heaven is consistently stronger than most of the stands I mentioned above.

Pucci simply has ways to defeat many of the stands that are in the top 5 purely through the fact he can go to the moment where they're weak and beat them. The catch is, Pucci needs to play his cards right for him to be able to pull it off, but I personally don't think it's a stretch that he can pull it off if we go by his BIQ feats in part 6. Pucci is a fighter that plans ahead. He's been building up to the Heaven Plan ever since he heard news of DIO's defeat and learned he'll have to take over DIO's teachings and pull it off himself, he is the successor, the one that inherited DIO's heaven, the resolution of one's destiny. Many of the stands I have noted above have a prerequisite of getting attacked or having a direct threat posed onto them to trigger, like GER and Love Train; or they're simply too situational and unreliable to consistently pull off, like Go Beyond.
Other than WoU, the only legitimate threats I see for Pucci are Tusk and GER. Now, because Tusk exists in every timeline all at once, you could argue the infinite rotation will just ignore the universe's reset but that's taking into account if you believe the parts 1-6 canon has a multiverse like the parts 7-9 canon, yet stating so is headcanon since both canons are completely unrelated to each other so there is no legitimate proof the original JoJo's canon has a multiverse for Tusk to exist in. In fact, a singular universe cosmology is more favored thanks to the universe reset visual explanation we got stating the creation of a new world that can be seen as a parallel dimension, the "start of a new world",... So tusk's threat now mostly relies on the conditions behind the fight. Where does it take place? A vacuum? The original canon? The new canon?
Now GER on the other hand is where it gets tough for Pucci because whether he wins completely relies on if he attacks Giorno or not. If Pucci decides Giorno is too big of a threat to let move on to the new universe, then he'll attack Giorno and trigger RTZ, effectively losing to Giorno. But if he doesn't attack him, then this will allow him to reset the universe then go back to where Giorno doesn't have Requiem and fight him then. This enters way too much into speculation and I would like to believe that by default, Pucci will most likely look into disposing of Giorno before moving on to the new universe (which won't work). Just that there is a CHANCE Pucci wins, just very unlikely.
Now, I get the arguments in saying that while Pucci has control over the timeline, he still isn't above fate or others' destinies. The reason he lost is because Emporio is destined to escape Green Dolphin St. and go to Cape Canaveral (which was heavily implied to have happened when Ermes's counterpart suggests stopping by the space station when the crew hitch-hikes with Anakiss and irene). So saying he can just go back to before they got their abilities just won't work because of their destiny, they are "fated to move on". The issue with this argument is we're already breaking "destiny" by having them fight to begin with, so anything fate related to prevent Pucci is just thrown out the window, but I can see the argument being valid in some cases.
In conclusion, I'm not saying Pucci is stronger than them in crossverse battles. I do believe he is a better contender in fights from verses like Naruto, One Piece, Dragon Ball,... since he bypasses the AP limitations GER has and the speed limitations and setup Tusk might have while Tusk and GER will stomp weaker verses like JJK and Demon Slayer where these limitations aren't that big of an issue. I'm mostly looking at this in battles purely between JoJo's characters. Anyways, the Bleach OST absolutely slaps and don't drink caffeine at 12 AM.

I reached out to Yotta about their lack of transparency and requested an update on their end. This is what the said
Thansak for reahcing out. Funds are not yet moving as a result of the hearing so we have no update to share regarding the timeframe at this stage.
​ The most updated info we have for you: We are experiencing difficulties with payment processing on ACHs, Wires, and our debit and credit cards due to an outage with Synapse Brokerage’s banking processors. We are actively working on a resolution and will let you know once it's resolved. We apologize for the inconvenience. Direct deposits and paychecks The last update we had was that external deposits or paychecks would still be deposited into Yotta accounts. We are now seeing that direct deposits, external deposits, refunds, and paychecks are being returned to the sender. Please reach out to your payroll team or the individual senders or merchants of the external deposits you were expecting to see if they received notice of a return of funds. This would mean the funds were not deposited into your Yotta account and were returned. If a deposit or paycheck was deposited into your Yotta account, then access to these funds is still an ongoing issue until it is resolved. You may see funds have left other financial institutions but don't see the deposit in Yotta, and this is due to the ongoing ACH delays. External payments or transfers using account/routing numbers If you made an external payment outside of Yotta using your account and routing numbers, or if you attempted to pull funds outside of Yotta, it is possible these transactions will also be delayed or will be canceled. We do not have confirmation at this time if these transaction types will be successful until we see a status update within Yotta indicating whether they were successful or not. Any existing funds or funds that are successfully deposited are FDIC-insured. The issue is that the banking processors and networks that move money through the banking system are not currently operating. We rely on banking partners and their banking services for money movement. Unfortunately, at this time those processors and institutions have halted all fund movement and there are no alternate money movement options for accessing funds until this issue is resolved. What happened? On May 7th, we were notified that Lineage Bank, member FDIC, halted ACH processing for all Synapse Brokerage accounts and that Evolve Bank & Trust, member FDIC, would now process ACH transactions on behalf of Synapse Brokerage. Yotta customers hold accounts with Synapse Brokerage. On the evening of May 11th, we were notified by Evolve that they would be halting payment processing effective immediately. These events have left Synapse Brokerage without an ACH processor, and Evolve’s decision to freeze cards is causing all card transactions to fail. At this time there are no alternative methods for money movement. ​ How does this impact me? As stated in all brokerage account agreements, customer funds in the Synapse Brokerage Program are swept (deposited) into accounts at a network of member FDIC banks. Funds held in these accounts are eligible for FDIC insurance. All programs that work with Synapse are impacted by this. ACH transfers and card transactions will not go through until banks restore their services. What we are doing about it? We understand the importance of this matter and are working around the clock to get ACH and card processing restored, which will enable customers to transact. Ultimately, it is up to Evolve to restore card services, and Lineage or Evolve or another processing bank to restore ACH services. We are in contact with regulators to expedite a resolution, since this is unacceptable. But it can magnify the impact and expedite the resolution if complaints to regulators also come from impacted customers like you. Action you can take We encourage you to contact regulators about how this is impacting you. Your collective voices (in addition to our voice) will be very helpful in getting transaction processing back to normal on an expedited timeline. ​ Cards - Evolve is responsible for restoring debit and credit card transaction processing. Please contact Evolve’s regulator at the St. Louis Federal Reserve at 1-888-851-1920 to let them know the impact this is having on you and the urgency of the matter. You can follow the steps here to submit a complaint: https://forms.federalreserveconsumerhelp.gov/secure/complaint/complaintType.html. ACH It would also be helpful for the FDIC to hear from you about how the lack of access to ACH is impacting you. The phone number for their complaint line is 1-877-275-3342. To file an e-complaint follow the steps here: ​https://ask.fdic.gov/fdicinformationandsupportcentes/?language=en_US. Money Movement Unfortunately, we do not have an update or ETA for any type of money movement or for ways to access funds. For the time being there is no access to funds or the ability to move money in any capacity. This includes payments, wires, checks, all types of card transactions, and withdrawals. There are no alternate money movement options for accessing funds until this issue is resolved. We do not have any estimates or updates on an ETA for resolution. Please know we are doing everything we can to get banking services restored.

Debit/Credit Cards Accepted No Closing Costs Cash Price: $1,200 Finance with $200 Down and 12 Payments of $110 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 

Not even sure it’s anything to be concerned about or not. I received junk mail from WEX with a promotional code that is asking (me) to sign up for a fleet fuel credit card. It has my business name at my home address (which is all correct) but was addressed to another person I don’t know.
A quick LinkedIn search for this person actually found this person. They have themselves listed as co-founder of a company using the same exact name as mine. But the link to the actual business seems broken or dead as it only brings up a result for some page for a product solution, not an actual company. Oddly enough this person lives geographically very close to me; I also know they can’t possibly have this business name actively registered because mine is currently active (at least in this state).
What I’m concerned about is this misinformation leading to continued junk mail for this person or other issues.
Is my concern warranted?
Is there anything else I should be worried about?
Should I call WEX and have this corrected (asking to be removed from their mailing list, etc.)?
Thanks!

I’ve had a UB savings account for about 3 years now with roughly 400k in the account. Just wondering around when does UB usually offer you a CC? I’ve heard stories and some posts that their banks straight up offer them a credit card once they’ve had an account for long enough.

My fiance of 3 years together for 5 recently decided to end our relationship. When we first met I owned a house and had a paid off car and motorcycle. After our daughter was born in 2021 she convinced me to sell the house and move to Oregon from Kansas due to her having trauma from our daughters birth. I wanted her to be happy so I gave in. I left a good job, sold my motorcycle and we moved to Oregon in 2022. Since we've move to Oregon the money from selling the house is gone along with $30000 in a retirement fund. We bought her a 26000 truck that she wanted with loan under my name, her sister is buying the truck from us as her job wasn't enough to cover the cost. There are 2 maxed out credit cards with around 24000 total on them. We have agreed to both take a card and pay them off. She has taken multiple trips on her own as well as a stomach bypass in Mexico. Back in March I found out she had cheated on me on a family trip back to Kansas. Wish I had gotten smart and left her then. Do I have a case for filing for her paying me back some of the money that has been spent?

28m here. I will be going to MEPS here soon and was wondering will a doctor visit from when I was a kid where the doctor prescribed Ritalin one time DQ me? Or a doctor visit where I got blood work done and had low Vitamin D levels?
I had separate questions about past employment that are bothering me in regard to the SF86 and small credit card debt, there was job I had almost 10 years ago, it was a part time gig that I had for a few months. I stole something but immediately (the next day) came clean about it, no law was involved, and obviously I was fired. Ironically, the company is no longer around. I also around the same time, popped hot for THC at a different job I had just started (I was going through it)
Regarding debt: I have in total debt around $2,400 and it’s credit cards,$400 in collections, (clearing that now) the rest will be the first thing I plan to clear, preferably with the enlistment bonus but also the pay from BMT.
2 years ago I was fired from a job for “attendance” because my car was crapping out on me, I had to jump it every morning for months and also at 5:00pm to go home, I used the delivery van I was driving once I was done and after everyone left,I would hook up cables and start my car. Tried getting it repaired but was sent on an endless loop and the car ended up having major electrical issues. Eventually this wasn’t feasible, I was let go obviously.
My most recent job; it was a mutual agreement to end employment as the job wasn’t what they advertised and I got reprimanded for calling off (I requested timeoff ahead of time for it) to go to my citizenship ceremony.
I plan to disclose everything that’s needed within the time frame, it will all probably come up anyways but are these things I should genuinely worry about?

This story goes back about 5 years now. Located in the USA. All purchases were either declined or reversed immediately so I have never been out any money.
I have about 8 credit cards and perfect credit. Only one card has ever had any fraudulent purchases on it and at first I thought it was just a random coincidence. It seemed to happen about once a year. For background the card in question never left my home safe after being activated as it was only used to reoccurring automatic monthly payments.
The first two times were with the actual card number. After that the card company offered a virtual card number program linked back to the original card which I set up and thought was restricted to specific merchants.
The third time even the credit card company could not explain as the card number listed for the transaction did no exist on my account then or ever (it was different then the virtual card listed for the suspected merchant) Still not sure if this transaction was related to this story.
Since that incident last year I created a new virtual card number for every automatic payment on that card and each is limited to be used only at a specific merchant.
It took another year but finally I have proof that a specific merchant must either have a security leak, someone stealing card data or their just flat out selling peoples card data as the virtual card was declined for two purchases the other day because they were not at the correct merchant.
Curious what steps to take to report this as a bigger issue then an isolated incident? Do I just contact the card company or is their a government agency I could report it to? Searching online only showed results for how to deal with single cases of stolen cards and/or advice for merchants on how to avoid fraudulent charges. I feel like this has to be a much bigger then just one card number being stolen occasionally since its been the same merchant at least 4 times now