I don`t use checks. I pay all my bills online. I still use those old handwritten registers to keep track of how much money is in the account, though. What... Who's Online | Find Members | Private Messages
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From the Journal of CuckingFunt | mood: Good

Checkbook registers??

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14 days ago - Sunday 11/5/17 - 3:05:37 PM EST (GMT-5)
On Sunday 11/5/17 - 3:02:18 PM FoolsConvert wrote:
I'm gonna hijack this thread just a bit. Does anybody else feel like they have an absurdly high credit limit on credit cards? One of mine is $13,000 and I just don't know how that's a thing that can happen. Like I hope I never use that because that's just an insane amount to pay in interest if you can't pay it off.

Re this - you can call the company and request they lower it again if you're not comfortable/feel like it shouldn't be that high.

I have no idea how high ours are. We don't use 'em, generally, however.
14 days ago - Sunday 11/5/17 - 3:10:31 PM EST (GMT-5)
I mean definitely not complaining about the limit, just wondering how they got that number. They know how much I make a year. I also wouldn't ask for a decrease because that lowers your credit score if you have any kind of carryover debt at all. Credit utilization and whatnot.
14 days ago - Sunday 11/5/17 - 3:14:45 PM EST (GMT-5)
Cuck - prepare to lose your sh*t
I occasionally glance over my transactions online. When I say 'occasionally' - it's probably not even once a month
Still catch every wrong charge though
14 days ago - Sunday 11/5/17 - 3:15:12 PM EST (GMT-5)
No idea how all that works. I mean, I do know how credit works, but I know that some of my friends way-back-when had like 15 credit cards and made zero money.
14 days ago - Sunday 11/5/17 - 3:15:32 PM EST (GMT-5)
On Sunday 11/5/17 - 3:14:45 PM hamletsghost wrote:
Cuck - prepare to lose your sh*t I occasionally glance over my transactions online. When I say 'occasionally' - it's probably not even once a month Still catch every wrong charge though

Hubs would run screaming into the dark.
14 days ago - Sunday 11/5/17 - 3:15:45 PM EST (GMT-5)
Nekkid
14 days ago - Sunday 11/5/17 - 3:30:44 PM EST (GMT-5)
On Sunday 11/5/17 - 3:02:18 PM FoolsConvert wrote:
I'm gonna hijack this thread just a bit. Does anybody else feel like they have an absurdly high credit limit on credit cards? One of mine is $13,000 and I just don't know how that's a thing that can happen. Like I hope I never use that because that's just an insane amount to pay in interest if you can't pay it off.


I have the same credit card that I had back in college. It had a $500 limit back then. After I got a job, I only increased it to $1500. I think I specified the amount to them.

I keep getting letters encouraging me to increase my limit but I'm fine.

Before I moved to Japan, I tried to increase the $500 limit but they turned it down because I wasn't officially working yet.
14 days ago - Sunday 11/5/17 - 3:51:39 PM EST (GMT-5)
Card companies are happy to over-extend credit to an extent. After all, if you spend to that insane limit, you'll pretty much definitely carry a balance from month to month. The higher that carryover balance, the more $$ the card issuer makes off you due to interest.

It's an arguably predatory practice, but it's common.
14 days ago - Sunday 11/5/17 - 5:22:34 PM EST (GMT-5)
On Sunday 11/5/17 - 3:14:45 PM hamletsghost wrote:
Cuck - prepare to lose your sh*t I occasionally glance over my transactions online. When I say 'occasionally' - it's probably not even once a month Still catch every wrong charge though



14 days ago - Sunday 11/5/17 - 6:19:49 PM EST (GMT-5)
I check my bank and credit card apps at least twice every single day and if I spent money or had a bill that day, I'll look up to I'd say oh maybe 100 or so times in a day.
I also look at my calendar at least twice every day also. Also, I just used the word also one too many times.
14 days ago - Sunday 11/5/17 - 6:51:38 PM EST (GMT-5)
I use am app called Checkbook free version by Digital Life Solutions.
14 days ago - Sunday 11/5/17 - 7:55:11 PM EST (GMT-5)
I honestly do not pay as much attention as I should my husband had cheques he uses to pay the rent- I don't think he ever keeps track...

I have a crazy amount of credit on my credit cards, even when I first got it (considering how much I made at the time). It doesn't bother me, I wouldn't never use that much!
14 days ago - Sunday 11/5/17 - 7:55:30 PM EST (GMT-5)
Would never*
14 days ago - Sunday 11/5/17 - 8:45:35 PM EST (GMT-5)
I keep mental track.

I also get a notification on my phone for any charges to my account.
14 days ago - Sunday 11/5/17 - 9:06:18 PM EST (GMT-5)
My credit card limits are $2,000 and $3,000.
14 days ago - Sunday 11/5/17 - 9:22:59 PM EST (GMT-5)
On Sunday 11/5/17 - 3:02:18 PM FoolsConvert wrote:
I'm gonna hijack this thread just a bit. Does anybody else feel like they have an absurdly high credit limit on credit cards? One of mine is $13,000 and I just don't know how that's a thing that can happen. Like I hope I never use that because that's just an insane amount to pay in interest if you can't pay it off.


Yes, actually.

I always refuse them when they offer to increase my credit limit.
14 days ago - Sunday 11/5/17 - 9:25:24 PM EST (GMT-5)
I have three credit cards that I use regularly that total to $19,500 in credit limits.
14 days ago - Sunday 11/5/17 - 9:57:32 PM EST (GMT-5)
I guess I don't worry so much about having a high credit limit- - I figure if I never charge to the limit anyhow, it really doesn't matter...
14 days ago - Sunday 11/5/17 - 10:04:43 PM EST (GMT-5)
On Sunday 11/5/17 - 8:45:35 PM EmptyMisty wrote:
I keep mental track. I also get a notification on my phone for any charges to my account.

Oooooh I would love this!
13 days ago - Monday 11/6/17 - 2:06:53 AM EST (GMT-5)
I don't have a checking account...I have an account my pay goes into, and all my bills are paid from, and then an everyday account I transfer a set amount of money into for groceries etc, and an investment account I transfer chunks into as they build up...and a christmas club account which you can only access Nov/Dec that I transfer money into every week..all the same credit union..

I have 2 credit cards, each with an $11,000 limit...one I don't use at all, but keep in case of emergencies...and the other I use for online shopping etc..but I never spend more than I can afford to pay off....you can lower the limit online if you choose to...

I check my accounts online every night...I've been caught before with dodgy transactions so I like to make sure things are fine..
13 days ago - Monday 11/6/17 - 2:23:39 AM EST (GMT-5)
i use the banking apps. i do have a spreadsheet on how much i have left to save to put down payment on a house.
13 days ago - Monday 11/6/17 - 2:26:49 AM EST (GMT-5)
On Sunday 11/5/17 - 8:45:35 PM EmptyMisty wrote:
I keep mental track. I also get a notification on my phone for any charges to my account.
On Sunday 11/5/17 - 10:04:43 PM luckystar107 wrote:
Oooooh I would love this!


It's awesome since my two checking, and three of my credit cards are all the same bank. So anything is used I know immediately.

I don't have huge credit limits yet. Still rebuilding after divorce. But Target raised my limit 3x in the last year.
And I charge my rent/utilities on AmEx to get the points. (Like tons of points)

Though I'm not sure how charge cards help credit scores since it's paid off every month.
13 days ago - Monday 11/6/17 - 8:02:45 AM EST (GMT-5)
On Sunday 11/5/17 - 10:53:23 AM CuckingFunt wrote:
I don't use checks. I pay all my bills online. I still use those old handwritten registers to keep track of how much money is in the account, though. What do you guys use? Excel spreadsheet? Some kind of hipstery app on your phone? If any of you say "nothing, I just know roughly how much money I have" I'm going to lose my sh*t.


I log on to my account and look at the balance. It has all transactions listed there. No need for me to do it too.
13 days ago - Monday 11/6/17 - 8:11:33 AM EST (GMT-5)
Wtf is a check book register? I don’t know what this conversation is about but I’ve never paid for anything on credit. I just buy stuff and look at my bank statement to see that all outgoings are legit.
13 days ago - Monday 11/6/17 - 8:13:31 AM EST (GMT-5)
On Monday 11/6/17 - 8:11:33 AM kateummslala wrote:
Wtf is a check book register? I don’t know what this conversation is about but I’ve never paid for anything on credit. I just buy stuff and look at my bank statement to see that all outgoings are legit.

Grid lined paper like a computer spreadsheet for doing math with a pencil because cuckingfunt is 90

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