BF2S Forums First World Problems

wow that sucks, where do you live again?

How much damage has it done to the car? Surely you can get it resprayed for less than $15k?

Dilbert_X wrote:

Someone at work was saying he heard a complete shipment of 100 brand new Subarus sitting at a dealer has been wrecked.
Maybe the dimples will make them go faster - who knows.

that reminds me of what happened at my job when hurricane sandy hit. about 20 brand new cars were flooded when the local river overflowed. they had to total all of them.

Made a purchase a few months ago on my 2nd Capital One card at McDonald's and I forgot that Capital One only allows you to do automatic bill payment on one card(which wasn't that card) so the balance sat there unpaid for two months until I got a credit report change notification in my e-mail just now.  Turns out that late and unpaid balance took 80 points off my credit score.  Fuckers

_j5689_ wrote:

Made a purchase a few months ago on my 2nd Capital One card at McDonald's and I forgot that Capital One only allows you to do automatic bill payment on one card(which wasn't that card) so the balance sat there unpaid for two months until I got a credit report change notification in my e-mail just now.  Turns out that late and unpaid balance took 80 points off my credit score.  Fuckers

get a credit monitoring app like credit karma.  Also, set up bill pay reminders.

Cybargs wrote:

do you guys still pay bills by check and cash?

cos everything is pree much direct debit here.

I had to write out a check to pay a bill for the first time ever in my life a few months ago. Who doesn't have a website?!?

KEN-JENNINGS wrote:

I write a check for rent on my apartment.  Everything else is direct pay.  However, some credit cards charge you for setting up automatic bill pay.  Fuck that.

Oh yeah, my rent was a monthly check, forgot about that.

SuperJail Warden wrote:

How does automatic bill pay work? I never used it because I don't trust automated stuff with my credit score.

Does it pay a certain amount each month or does it pay off a total balance?

Usually the minimum on credit cards and the entire bill for things like your cell phone. It's better to set then up through your bank rather than on the bill side because you remove the chance of overdrafting.

Cybargs wrote:

SuperJail Warden wrote:

How does automatic bill pay work? I never used it because I don't trust automated stuff with my credit score.

Does it pay a certain amount each month or does it pay off a total balance?

two ways to do it here in aus

you set up your own periodic transfer, or you sign a 'direct debit form' allowing vendors to directly deduct money from your account (most common with non-rent).

do you have to mail out or fax a direct debit form or can you sign up with e-mail or through your bank's online system?

A friend of mine had a pacemaker fitted - the latest super-modern wireless enabled gadget.

Some ass-clown has leaked the access codes online and now he'll likely have to get it replace or risk being hacked.

Cybargs wrote:

SuperJail Warden wrote:

Cybargs wrote:

two ways to do it here in aus

you set up your own periodic transfer, or you sign a 'direct debit form' allowing vendors to directly deduct money from your account (most common with non-rent).

do you have to mail out or fax a direct debit form or can you sign up with e-mail or through your bank's online system?

generally you do it at the store when you get your phone plan or whatever.

you don't give the form to your bank, generally the company that's deducting money out of your account does that.

but a lot of service providers website allow you to enter your bank details to direct debit and it's really easy peasy.

we have this glorious thing in Australia called BPAY where you can set up your own automatic payment to a business (and it's all registered so you know who you're sending it to).

Every American bank does the same thing through their website or app and has for a very long time.

SuperJail Warden wrote:

You have two capital one cards? A debit and credit I assume.

I did think about switching to Capital One because they have a better savings account interest rate than most banks, but no I do actually have two credit cards from them.  My Platinum card from them was my very first credit card that I just sort of used to build credit until I had better options, which eventually lead me to my primary card through them which is also my favorite one, the Quicksilver which gets you 1.5% back on everything.  I've been thinking about just calling and asking them to maybe raise my credit limit on the Quicksilver to add in what's on my Platinum and then cancel the Platinum but it's also one of my oldest lines of credit which helps a lot when you've only got about 2 years average.

KEN-JENNINGS wrote:

_j5689_ wrote:

Made a purchase a few months ago on my 2nd Capital One card at McDonald's and I forgot that Capital One only allows you to do automatic bill payment on one card(which wasn't that card) so the balance sat there unpaid for two months until I got a credit report change notification in my e-mail just now.  Turns out that late and unpaid balance took 80 points off my credit score.  Fuckers

get a credit monitoring app like credit karma.  Also, set up bill pay reminders.

Even Credit Karma didn't tell me until after Capital One's own credit tracker told me first only once it was too late, I got no other alerts in the 2 months I've had that balance because they just forgive you for the first month and then charge you interest, then the 2nd month late fucks your credit up.  It's kind of my fault for forgetting they don't let you set up auto-pay on more than one card but I hadn't used that one in almost a year or more because the other one actually has cashback

Last edited by _j5689_ (2016-11-17 09:08:41)

I hit the maximum limit of paid time off I can accrue, so now I've got to start taking some more time off. I work 7 days a fortnight, 12 hours a day and our limit is 240 hours. We accrue 6.something every two weeks and I've been taking about a day off a month to stave off the limit. However, it's rather difficult to dig out of the hole on my schedule when I've still got projects to work on. I'm in a good place at the time being, so I'm looking at taking the entireity of February off, which'll rid me of just under half my hours. Now the question is what to do with that time since it would be a crime to just sit at home and fap all month.

Sounds like this was all your fault