Hi! I have a question po regarding sa RCBC Digital App.
Matagal po ba talagang mag-update ‘yung app sa recent transactions? ‘Yung “Available Credit”, nag-uupdate agad every transaction (I used my card for online payments) pero ‘yung “Outstanding Balance”, ‘di agad nag-uupdate. Hindi din agad lumalabas sa “Recent Transactions”.
May gusto po kasi akong i-try sa app, ‘yung gagawing installment ‘yung isang purchase ko na hindi pa nagre-reflect sa app.
Billing Date ko na po kahapon and ‘yung ibang transactions ko, wala na din sa app. Hindi ko na po ba pupwedeng i-change to installment ngayon any purchases bago ‘yung Billing Date ko?
Saka wala din pong lumabas na Statement of Account sa app saka sa email ko.
Thank you!

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Wondering if I have to take action here. My nephew used my credit card to start a gym membership without my knowing. After finding out, I claimed fraud on the visa and had the card replaced, statement refunded, etc. But the gym keeps emailing me with "past due" charges and won't let me cancel unless I pay a cancellation fee and the past due payments. Will ignoring the charges (keeps getting denied by the outdated card) have any unforeseen consequences? Or do I really have to pay the fees.

Hi! I’m going to have some additional questions I’m sure but my credit card debt has snowballed - I wouldn’t mind paying the minimum payments for a long time but I may be getting laid off from my job and unemployment wouldn’t cover the payments. If I got a personal loan to pay off my credit card bills, would that affect my credit? Would it increase my credit score because my credit utilization has gone down? Also, are pre approval numbers accurate? Discover gave me pre approval for 20.99% - this isn’t good but my credit score is around 660 right now so it’s probably the best I can do. If this is accurate, my payment would be around $550 a month instead of the $750 I pay for my cards now. Also, I know I need to change my spending habits - I’m planning this for a worst case scenario situation.
Thanks!

Bottom Line Up Front, Cheaper Than Dirt is bad, but is anyone else as bad?
So looking for a third mag to try a P10M in a match at the end of the month, only place I can find that has them in stock in the US was CTD. I had been getting their (physical printed) junk mail and emails for years, so I assumed I'd bought something and had a non-negative experience. Found out yesterday that shortly after placing the order, a "dry run" charge to the CC was made to look like an apple purchase - these are quite common and used to validate the stolen CC info is valid. Within a few hours multiple three figure purchases were made from Ebay, Wish, and Temu of all places. The credit card company caught the first one after the fake Apple charge and texted my wife, and we got everything rolled back. Current assache is changing out the credit card number on all recurring payments.
I put some time into Google and found that I probably should not have been surprised about this experience with CTD. This brought up a question in my mind: Are there any other ecommerce shooting outlets as bad as CTD? I know there are some legit looking CZ-* fakes, and the CZ-Parts thing in EU that is legit but looks sketchy. Anything as prominent as CTD yet as bad in terms of customer experience?

I am planning on filing for Chapter 7, but I will need the funds to hire an attorney. The only way I can think of this working for me is to stop making my credit card minimum payments and use that money for the attorney. Is there a downside that I'm not seeing? My thinking is my credit is going to suck in the future anyway, so it may as well start sucking now?

Just got an email saying my bill will go up $5 unless I switch away from credit card payment to bank account payment!
A CC transaction costs y’all what? Half a cent?
Did anyone else get this email?

Long story short I had some learning experiences with a credit card. Owed some $ and it got sent to collections. Collections filed a lawsuit and now randomly today they took everything I had left after paying my bills on the week.
It was a garnishment. This whole situation has been a headache. I take full accountability for my unpaid debts. I really should’ve done better. Today my bank account was garnished leaving me with 0.00.
In my defense The notice of lawsuit wasn’t received until 2/12 to which the next day the law firm told me I needed to cough up a 2k down payment by 2/25 when I called them. Got 2k around and called them on 2/23,2/24,2/25 and not a single call was connected. I never received any mail or anything after that until AFTER the final document was signed on 3/13
I contacted national debt relief and they told me I have to wait until 6 months after the final signing on 3/13 per the document before they can help me.
What are my options? Are there any or am I just gonna have to take this L on the chin?

Hey fellow Redditors,
TL;DR: Applied for a Sephora credit card, but Comenity Bank messed up my address and created an account without my knowledge. Despite multiple calls, they failed to resolve the issue promptly. Now they're expecting me to pay a penalty fee for their mistakes. Stay away from Comenity Bank if you can!
------
I wanted to share my frustrating experience with Comenity Bank, specifically regarding their handling of my Sephora credit card application. Brace yourselves, because this is a tale of incompetence and unfair penalties.
It all started when I applied for a Sephora credit card in-store. The sales associate mistakenly entered the wrong address initially, but upon realizing the error, I promptly asked her to correct it. Unfortunately, despite her assurance that it was fixed, I never received the card within the promised 10 business days.
Confused and concerned, I received a mail from Comenity Bank stating that my account had already been created. The problem? I had never had any previous dealings with this bank! Alarmed, I called their customer service to resolve the issue.
The first representative I spoke with told me to be patient and wait. I obliged, hoping the situation would be rectified soon. However, after 15 business days had passed and still no sign of the card, I reached out to Comenity Bank again for an update.
This time, I spoke to a different representative, and you won't believe what she told me. Apparently, the address on file was incorrect! How could this happen when I had explicitly requested the correction previously? Frustrated, I asked about the late penalty fee for the delayed payment.
To my dismay, the representative informed me that I would indeed be slapped with the penalty fee, and there was no way for her to waive it. This added insult to injury, as I had been diligently trying to resolve the situation and was being punished for Comenity Bank's mistakes.
So here I am, stuck in a frustrating limbo. I've been asked to wait another 7 business days to receive the card, with no guarantees that everything will be sorted out properly. Meanwhile, I am expected to pay a penalty fee for a situation that was completely out of my control.
I'm sharing this story to warn others about Comenity Bank's incompetence and their unfair penalties. It's disheartening to see a financial institution treat its customers this way. If you're considering applying for a credit card with them, I urge you to think twice.
Has anyone else had a similar experience with Comenity Bank? How did you resolve it? I'm open to any advice or insights you might have. Let's share our stories and help each other navigate these frustrating situations!

Hi, a little info on me. I’m early 20’s and earn just shy of 50k a year salaried. I’m currently saving around £1200 a month but generally I end up saving £700. With £200 going to a H2B ISA and the other £500 into premium bonds. I know I should probably save more, but I also enjoy, enjoying my life, I do pay to rent my family who I live with and a car payment (PCP). I’ve just taken out a credit card strictly for fuel which I pay off in full every month to help assist in building my credit score. I guess I would like to start looking at moving out within the year. My girlfriend is at uni but is also managing to save into a H2B. She has one more year to go so moving out would probably line up with this time next year once she’s finished uni. Is there anything I should be doing differently? Am I being a dick with my money could and should I be saving more? Should I be utilising different accounts? I don’t really have anyone in my life to speak about financial advice so obviously I turn to Reddit. Would really appreciate peoples thoughts ok the matter. I know I find myself in a very lucky position for my age but I have worked hard for it. I just feel worried that I’m not doing what’s in my best interests regarding savings, investing and buying a house!

When I was 18 and went to school out of state, I took a perkins loan and my (now deceased) father’s ex girlfriend at the time (who was like a stepmom) was my guarantor.
I never received anything that my debt was in repayment, presumably because the letters and bills went to her house. I assume she either returned to sender or chose to never tell me about them because we don’t speak anymore.
debt collector called today and said my options are pay in full, rehab it or consolidate. I already struggle with credit due to a shopping issue in my late teens, early 20s and am paying off credit card bills slowly but surely. I’d much rather rehab in order to avoid it going on my credit history.
I said they could call back next week to discuss and I’m going to a) ask for validation b) tell them to only contact me in writing, is there anything else I can do to put this off for a minute to save? I messed up my withholding last year so I also owe the IRS $1500 by October. I am drowning and my money’s gonna be next to non existent so any wiggle room is needed. I know I’m lightly hosed and looking for no comments on credit cards, taxes, etc. just the loan.
My monthly payment will be about $280 when federal loans come back in late august so I’m trying to figure out what the fuck to do to stay afloat.
thanks for any insight

And I’m talking about everyone?? Like a big fuck you. You’re going to garnish everyone’s wages? Okay do it , see what happens. Between people not being able to make car payments, rising inflation, higher rent, and maxing out credit cards… I don’t know how the majority will get through.

FirstNext
Well, it only took Canada burning and the East Coast turning into smoky rendition of a Mexico filter for this chapter to finally reach completion. Regularly-scheduled programming should hopefully resume after July 4th. Until then, drink some water, don't do gender reveals in the forest, and hang in there, guys!
Pursuant to Imperial Decree 10928, and in recognition of the reservist nature of the unit, the 1st Rocket Artillery Regiment has been found to satisfy the standards outlined in the Decree. However, in light of the significant budget and nonmaterial resource allocations that were required to bring the aforementioned unit up to levels considered satisfactory by existing standards, additional considerations beyond readiness and training levels must be taken into account.
Throughout the appeals process, you have repeatedly indicated that you believe rocket artillery to still have a place on the modern battlefield, citing recent reports from the Terran Planetary District command of the Sol System sector, as well as early after-action reports from the Intervention on Raknos, which you claim to support your argument. However, further investigation into this claim by independent analysts on behalf of Armored Warfare Command has found it to hold no merit in light of the recent restructuring outlined in detail in prior communications. Simply put, neither the Empress, nor her advisors, believe that the maintenance and garrisoning of units intended strictly for low-intensity counter-insurgency operations remains doctrinally viable.
Additionally, the excessive monetary and nonmonetary resources you requested in preparation for the evaluation, in light of the on-par, verging on substandard performance of the 1st Rocket Artillery Regiment, even accounting for the large number of fresh troops that needed to be drawn down from other posts to fill out its ranks, is highly suggestive on the part of you, the honorable Ashira Rakishal. This discrepancy is of high importance, and you may rest assured that it has already been publicly filed by the time this letter appears in your inbox.
Such a discrepancy is indicative of either incompetence or corruption on your part. Commanding officers may face demotion or a possible dishonorable discharge for the former, or, for the latter, a fine totalling no more than one-and-a-half times the estimated sum of the damages assessed, guaranteed dishonorable discharge and a potential prison term of no more than four years. Due to there being no evidence to suggest the latter, the former approach has been suggested by the Armored Warfare Command. Effective fourteen (14) days after this order is signed, your rank will be reduced and you will be relieved of commanding the Regiment. You may be restationed at this time, and your government-issued devices may be deactivated to facilitate this restationing. The 1st Rocket Artillery Division, in accordance with Decree 10928, will be dissolved and its assets relocated to other units wherever possible. Any remaining property will be auctioned under section 12.57.3(g) of the Naval and Marine Surplus Handling Act of 651 at the Val’tira Central Forwarding Depot.
Ashira finished reading the letter, but the words meant nothing to her. She hadn't slept in half a week, if not longer, in anticipation of the results from her hearing. In fact, she'd hardly gotten up from her desk; the 1st RAR was on leave until the final verdict would be announced publicly, and it was all she could do but to refresh her inbox every few minutes and watch mindless clips in the background that she hardly heard and never managed to remember a word from.
She tried reading it again, but the letters seemed to float off the screen, each one wrapped in a halo of bluish white screen glow. Nothing made sense.
'We were found to be satisfactory, but then… why does it talk about my rank? Am I getting promoted? There was something about dishonorable discharges, too, so… are some of my girls getting let go? I guess I will have to break the news to them. And it said something about budget overruns… well, mom still owes me from when she forgot to get me anything for my eighteenth last month, so I guess she can pay them back for all the equipment and training I had to authorize…'
Her thoughts were already drifting off into a vague haze when her stomach made a low noise, reminding her of the fact that she hadn't eaten in hours, mostly because her supply of food had run dry. Almost in a trance, she rose from her desk and, almost on autopilot, set about getting ready to go out and do some shopping, as she always did. The floor of her living quarters was almost entirely hidden by weeks-old discarded packaging, mountains of dirty clothes, and bottles half-filled with liquid that was either expired juice or urine. Narrow paths snaked through the mess; one to the bathroom, one to her bed, and one more still to the door, which she now slowly shambled towards.
Ashira pulled a pair of battered combat boots over her bare feet - she'd run out of socks that didn't offend her senses some weeks prior - without bothering to lace them, shoved her wallet into the front pocket of the fireproof jumpsuit she wore with absolutely nothing underneath and hadn't changed out of all week, and shoved the door open to head out. Immediately, the smell - or, perhaps, a lack thereof - of the corridor hit her. All the sleeping quarters were locked. It was quiet. Though her boots were heavy, her footsteps barely made a noise as she plodded along the thick, purple and topaz-blue carpet that lined the floor.
The door to the lobby was propped open by a cleaner's cart, and a heavy perfume of chemical detergents wafted through the opening as she approached. In the lobby was a small, older Helkam male, with his long and, in places, graying hair tied back with a beige bandana that matched his civilian contractor's coveralls, just as his green noise-canceling headphones matched the company logo on his uniform. He was dutifully mopping the already nigh-spotless polished stone floor, and there was only a narrow dry strip connecting doorway to doorway.
“‘Scuse me,” she mumbled, tapping him on the shoulder to alert him to her presence. “Coming through.”
He flinched away from her touch, and she flinched away from him, as though his own shock was contagious. “The fuck, you touch me!?” He exclaimed, whipping around to face her, mop at the ready like a Turox-prod. His face burned a pale but furious violet, contorted with fear and a readiness to fight. But, just as suddenly as he’d come to face her, his expression became one of confusion. His mop dipped down, and they stood in silence for a split second that seemed to drag on for entire minutes. Then, he made an odd face, as if of disgust or contempt, and stepped aside, motioning for her to pass by him.
Ashira would have been puzzled by this, if only she were not so frazzled and caught up in her own thoughts. She stepped outside and was immediately hit by a cool breeze; it was night out, and the wind blew in just as it always did. Not that it bothered her much; over the previous months, she had found that it didn’t seem to affect her very much. The only reason she wasn’t feeling the full brunt of the evening gales was that the buildings around the officer’s quarters were mostly two- and three-story affairs, their height and old, weathered stone cladding the last specters of the prominence and prestige the base enjoyed in the long-before times. Before the Unification Wars were but a distant memory. Before the Periphery had become the final, unconquerable frontier. Before the Empress-damned mess that was Raknos. Before Rocket Artillery had become hopelessly obsolete.
The wind blew, relentless and steadfast, as she trudged towards the only place on-base that still had its lights on. The general store. She didn’t know what she wanted to buy there, nor if there would indeed be anything on the shelves that she’d want to buy, but she felt she had to try, anyway. The only rest she could get now was chemically-assisted, either through over-the-counter sleeping pills, or copious volumes of booze, or, when the going got particularly rough, a combination of both. She was vaguely aware of the damage she was probably inflicting upon her organs, but she figured that they were a worthy sacrifice. Still, some days she couldn't fall asleep, even boozed up and medicated as much as she would dare, so she would lie in bed, staring at the ceiling, hoping that the splitting headaches she would get from that chemical cocktail would make her ears ring loud enough to drown out her intrusive thoughts.
The store wasn't particularly warm when she entered, and it reeked of cigarette smoke and mildew as always. The nearest set of shelves to the door were stocked with bags of some sort of imported breaded meat snacks labeled Pufriyah - Ancestral Recipe, Modern Taste! across the top shelf and cases of Red Grains across the bottom, as if some long-forgotten planner had seen into the future and anticipated Ashira's shopping habits exactly. Without much thought, she pulled a case of the Reds off the bottom shelf, her back, which had been sore for months by then, crying out in pain that just barely cut through her apathy. She threw a few bags of the Pufriyah snacks on top of it, entirely indifferent to their name, slogan, and brown-furred chibi mascot that spoke to their Rakiri intended consumer base.
'It's all just carbs and protein at the end of the day,' she figured. It wasn't like she could taste much of them anyway, had she really cared to learn their flavor. It was close to a month prior that she'd caught a nasty cold, and her constant sleep deprivation and stress hadn't lent themselves to it clearing itself up on its own. Her senses of taste and smell were unnecessary to her whipping her unit into shape, she'd decided, once she learned that the antivirals she needed to take to make her symptoms clear up would need her to be on bed rest for three straight days. She could always take them later, anyway.
The bottles of Red Grain clanked against each other as Ashira heaved the case onto the checkout counter. The bags on top of it slid off, and she only just caught them in time. The noise awoke the lone cashier, another civilian contractor, from her nap atop her wobbly three-legged stool. She quite inelegantly hopped off of it and came to lean against the counter with one hand, the other lazily waving the scanner of a specialized Data-Slate over the merchandise.
"ID for the Reds," the cashier groggily slurred out, patting down her many pockets in search of a cigarette box. "Standard procedure, nothing personal against you."
Ashira stared at her, dumbfounded, for a few moments too many, before it hit her that she needed to pull up her Marine Profile on her Slate. Mumbling an apology mixed with an excuse, she reached into one of the few - albeit cavernously huge - pockets of her fireproof suit and produced the grimy government-issue device in question. The lock screen was set to her ID, just to make such common interactions go by quicker.
She pushed the Slate across the counter, expecting to get it slid back to her in a few moments, and maybe a manufactured smile and a nod if the cashier noticed the Rakishal House crest in the corner and realized she was of noble blood. But this time, none of that happened. The woman across from her frowned, squinting as she analyzed something about the ID, her face no more than perhaps a few centimeters from it. She looked up at Ashira, then back down at the ID, then back at her, and then all of a sudden her confusion melted into some odd mixture of shock and disgust. She wordlessly pushed the Slate back across the counter, scanned the case of Red Grain, and then motioned to a now very baffled and somewhat offended Ashira that she was free to leave.
In her sleep-deprived state, Ashira had barely the mental capacity to remember where the door was, much less to ponder the deeper meaning behind what had transpired. Vowing to come back the next day, after getting a good night's sleep, and get the insolent cashier fired, she trudged out of the shop, back to the officers' quarters, where the Helkam man was still toiling away in the lobby, now wiping down the Turox-leather seats, and into her own suite.
She brushed the most egregious of the trash from her bed, with the arm that wasn't clutching the spoils of her trek to her chest, and allowed gravity to gracelessly guide her into its soft, fitted-sheet embrace. With a sigh of barely-felt relief, she cracked the cap off her first bottle with her tusks and took a long, well-earned swig.
The next thing she knew, it was morning.
Everything hurt. Ashira's muscles all ached like she'd run every Deathshead Commando bootcamp course, back-to-back, without stopping. Her head felt like a bloated, rotten gourd, ready to burst at the slightest touch. Even though her eyes were closed, what little light made it through them felt as though it was piercing straight through her eyeballs and into her brain. However, through it all, she noted an odd, almost pleasant sensation that she hadn't felt in so long, she'd almost forgotten the word for it.
'Empress all-powerful, this must be the first time in almost a year that I've had a full night's sleep!'
Ashira would have kept laying there, exactly where she was. The room was quiet. No one needed her. Her unit was stood down for another few days. She could just stay in bed, in peace, and wait for the pain to subside. But the very second she considered that possibility, her bladder cried in agony, and she simultaneously came to the realizations that she would not be able to hold it in for even a minute longer, and that she was wearing her only set of relatively-clean clothes.
She pushed herself up and onto her feet, and that motion sent showers of sparks cascading through her vision, even as her eyes stayed firmly shut. Her ears rang from the pain as though she'd stuck her head between the prongs of a colossal tuning fork, her limbs felt numb as she stumbled through her room, and the only way she could tell up from down was from the direction gravity kept pulling her every time she lost her balance.
She hit the door frame to the bathroom by chance, only recognizing it as the right one by the light switch her elbow painfully caught. From there, she went entirely by feel. There was the sink, the towel rack, the soap dispenser, the shower door… and finally, having run out of wrong things to blindly grope around for, her hand bumped into the tank of the toilet. Even bending down made her head fill with the pounding beat of her heart, every pulse seeming to try and push her brain out of her skull through her eyes and ears. She nearly blacked out as she sat down.
The next thing Ashira knew, she was doubled over her sink, dry-heaving, her fireproof pants pulled back up around her waist but neither zipped shut nor clipped together at the front. She knew for certain that nothing had come up, because she was newly aware of the desiccated dryness in her mouth and throat, as if all her flesh had been replaced with fine-grit sandpaper. Still lacking the resolve to open her eyes, she blindly clawed at the knobs of the sink until water began to pour, and then began scooping handfuls of it into her mouth.
After a few gulps, she began to feel a bit better. Her mouth, though it still felt dry as ever, was at least now rid of the horrible, sour, metallic taste that she hadn't registered until it was gone, and the unintentional splashing of water onto her face did wonders in helping her start to truly wake up. The very next instant, though, a numbing pain spread across her hands and face, and down her throat. The water was freezing cold.
That didn't deter Ashira, though, and she kept drinking until she knew that she would not be able to swallow a drop more without throwing up. Her hands were numb from the frigid water, as was her face. Icy rivulets streamed down her chin and throat and under her unzipped collar, leaving cool, glistening trails across her breasts and stomach.
Somehow, this numbness that spread across her fingers and cheeks seemed to have carried over to her hangover, as well, though whether it was the rapid cooling, or the much-needed hydration, or both, she neither knew nor cared. Her head now hurt with the intensity of just any old headache, her skin did not feel two sizes too small for her organs, and her muscles and joints barely ached with any more intensity than they usually did.
She opened her eyes for the first time since she'd gotten out of bed, ready and eager to take full advantage of her hangover cure while its effects still lasted, and almost fell over as she stumbled away from the mirror in shock. The reflection in the mirror was decidedly not her.
Bloodshot eyes stared out at her from dark, sunken orbits; two craters on a puffy face rendered a waxy, pale bluish lilac by months of near-total involuntary isolation from the daylight. Raven hair framed that lifeless visage, once kept neat and short, now a wild, greasy, and, above all, long Seetcha's nest. It had once had lively sun-bleached streaks where her beret and headset did not fully cover it, from when she would ride head-out in her trusty command Ishtarti-603, but they were now mere faded tips spread unevenly through the carbon-black tangle.
The rest of her was not in much better shape. Her bust, though always on the fuller size, was nonetheless noticeably larger than it had been the last time Ashira had inspected her reflection, and doubtless was the cause of her incessant back pain. In the same moment, she became aware that her breasts rested not against the top of her six-pack - which, while rarely worked out and never particularly defined, had, in its mere presence, still been a point of quiet pride for her - but at the upper limits of a beer gut, whose faint outline was visible even under the baggy suit she was wearing for the umpteenth day in a row, and which stood as a testament to the inertia she had descended into while trying to force the RAR into motion.
'Fuck, there's the evidence of my battle. Mom was right, I do eat like a Turox before the slaughter. I have no self-control. Why do I even bother with this restructuring business if I can't even keep to my own damn fitness goals?' Her gloom, though deep and all-consuming while it weighed upon her soul, dissipated just as quickly as it set in. 'But I knew it would happen, so why does it surprise me? I knew going in that I was burning myself up in the present to keep future me warm. It's just a few kilos. A dozen at most. No big deal. Just need a bit more exercise for a month or two and I'll be right back in parade shape!'
It did, however, make her think to place an order with the on-base supply depot for some new clothes. With the Unification Day festivities looming, it would simply not do for this quite temporary distortion of her Noble figure to be so brazen, she firmly decided.
The order would have to wait, however. When Ashira brought out her government-issued Data-Slate from her front pocket in a familiar motion, already compiling a list of all the workout gear, field uniforms, and parade garb she would need in a size up, the device, in an apparent bout of unruliness, first resisted her efforts to turn it on, and when it was finally made to do so, simply boot-looped endlessly on the startup screen. For all intents and purposes, it was a Slate-shaped paperweight, and Ashira didn’t even have enough physical documents in her possession to make use of this one purpose it had left.
‘First my clothes, now the one Slate mom can’t track me on. What’s next, is my ID going to expire all of a sudden? Will my physical Chit card have a bad contact?’
There was only so much she could take at one time, so she decided to do the sensible thing and get something to eat before returning to dealing with her problems. She pulled out her Slate. It was almost noon.
'No one needs to see me like this. How can I command the regiment if they see me in such a state? I'll order breakfast - well, lunch now, but who's really counting? - and I can join everyone for dinner, once I get a chance to order in some new clothes, and shower, and maybe do something with my hair.'
With a practiced motion, so automatic it was almost a reflex, she swiped through the interface until she found what she was looking for. There, between Combatters forum sites, was a saved page for the Hungry Gal's order menu. Her chit was already saved in the system. All she needed was to tap on "Large Hot Meal #5 - Drink Combo" and…
CHIT DECLINED - PAYMENT BLOCKED
"That can't be right," Ashira muttered aloud as she tapped the button again, over and over, to the same effect. "It's a government card. Unless- ah, right, it must be the new policy they were talking about! Can't believe they made food expenses count as personal expenditure only, the nerve of these credit-pinching…"
She went into the payment details section of the page, switched the number to her personal one, and selected "Large Hot Meal #5 - Drink Combo" again. This time, a new message appeared.
INVALID ACCOUNT - DEACTIVATED
The gnawing hunger in her stomach disappeared in an instant, replaced by a solid iron bar of dread. Why was her account deactivated? Who could have done it? The only other person with access privileges was her own mother, and why would she…?
Ashira knew the answer. She didn't want to know it, to acknowledge that she knew it for fear of what it meant, but she did. With shaking hands, she opened the notification screen of her Slate, and saw she had unread messages from her family group chat. She tapped that notification, expecting a deluge of fury about her weight, her spending habits, her slovenly appearance in public, or any manner of other things, but there was but one message, sent earlier that morning. It was from her mother, indeed, but it was just four words long.
I got the letter.
She wanted to protest, to scream, "What letter could you possibly mean?," but she couldn't. A memory, hazy from the fog of insomnia that had dulled her thoughts at the time, played against her volition in her mind. The words hadn't made sense to her then, but they did now. Robotically, she closed the message from her mother and searched through her inbox for one marked with a government seal. She opened it, and read it in silence. The last few lines were the hardest to read, because by then the tears had begun to well up in her eyes.
It was over. Her career, her noble status, her finances, her life as she knew it… they were all gone, and it had taken just one letter to send it all crashing down.

So it’s my first time buying from YesStyle, I bought for $116 and my order is still on hold after 2 weeks and I was very excited until I saw a few posts on here of people who nearly got scammed from YesStyle. Then they send me a message saying this:
“To help speed up the process, please provide the bank name of your card issuer and the country in which the card was issued. This information would help your order be approved and fulfilled faster.
In addition, please provide screenshot of payment details which could be obtained from your bank account. It contains the transaction date and amount for your order.”
I already payed using my credit card so why would they need to ask this? Or maybe it’s cause it’s my first time buying from here…I don’t know whether they ask everybody this, so please let know if this is normal, other sites have never asked for this and I was just wondering and I really don’t want to get scammed.

I had never taken out real credit until my thirties and ran up some credit card debt when my son was born. I neglected to pay it and forgot about it. It had gotten charged off and they are offering me different payment plans. I am sure they are going to want to collect on it at some point and I was unsure what I should do here. after doing my budget I feel like 30$ a month for it is something I could manage for the 7 or so years it takes to resolve it.
​
Are their better options? Should I look out for crazy fine print or something. I don't want to jeopardize my house or mortgage.

​
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So, small back ground: I have been working for this company for nearly 4 years. It used to be a small construction company with a few branches around South East US. It is the best workplace environment I have ever had (until recently). Everyone is very close and it really is like a family here. You can say whatever, joke around, and just have a great time. Most of the time. That ended with a merger we had about 4 months ago.
Recently we were bought out. With that came many changes, but the most glaring change was my workload. Many operational duties were handling by a corporate office out of state. Since the merger all of those extra duties were shifted onto me. This used to be split between 3 people (for our branch), but now their workload has been added to mine, on top of everything I had done before.
Now I handle all warranty claims, accounts receivable and payable, all job data entry (including inventory management, applying this inventory to the job, closing the job, and invoicing the customer). I also handle all cash, check, and credit card payments, as well as being responsible for making sure we secure payments from our customers. I handle the safety side of things, fleet management, payroll, and HR.
All of this combined has led me to work 50+ hours weeks with no rest. I have no life anymore. I get home, eat, then sleep because I'm so exhausted from work. I have even started using my lunch breaks as naps, because I feel so exhausted. I can't take any time off without my work stacking up because there is no one else to take it up. And I have to choose days I do take off carefully because of inventory counts, weekly payroll submission, and end of the month closing.
So that brings me to the final straw. After everything I have sacrificed for this company, I overheard a meeting between my branch manager, regional manager (our new company is one of the largest nation wide construction companies), and a new hire sales man. This new hire was hired a week or two before the acquisition at a base salary HIGHER than I make. He has been a failure. His measurements are off, so items need to be re-ordered often to complete his jobs. He does not sell very much, making him almost COST the company to keep, vs making the company money, and worst yet he was an installer just a few short months ago.
Now they bring him into this meeting, and I over heard them going over a management role they want him to take over for our branch. Now from how they described it, this manager would have direct control over many of the responsibilities that I have listed, that I do. Meaning he would have DIRECT AUTHORITY over me. Because keep in mind, despite all I do, they have refused to give me a manager title. I am an "Operations Specialist". This means that this guy, who was clearly failing at his own job, is being given a promotion over me, despite having ZERO qualifications. He has no certifications, no degrees, no licenses, no prior background experience, NOTHING.
So after all I have done to prove myself as someone willing to go over and beyond what is required, I have been passed up on promotion to someone infinitely less qualified.
I am done with this place. I'll hate to leave the people behind, but I refuse to work here any longer.
Sadly due to them never giving me a title appropriate for my job responsibilities, my resume will not reflect my actual qualifications. So, finding another job of similar pay and rank is going to be difficult.
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Anyways if you actually read all of this, thank you. All of my friends work here and everyone has big mouths, so I've kept this bottled in for days.

Essentially, on the FAQ, it specifically says that when paying using crypto, there will be a 10% discount. However, after I checked my order confirmation, there's a 10% processing fee? This is the biggest bait and switch if I've ever seen one. Unless there's some gross misunderstanding, I don't get how this can be a mix up.
https://imgur.com/a/FkkWEFL
On the side note, I only paid using crypto when the main payment processor is giving the infinite loop when checking out with a credit card. I just want to buy a custom cable but this has proven to be a bad experience when something simple should work.

My credit score just dropped 100 points on equifax due to a query on my account for PayPal credit. This was basically where an online seller (eBay) sold something under false pretences to me and refused a refund, which I raised with PayPal and they resolved it.
I've recently moved house and my credit score has taken a battering due to change in electoral register, hard searches for virgin media etc and some poorly timed new credit cards. I even got rejected for a new phone contract which seemed bizzare. But I have never missed a payment on any credit card, I pay them off in full every month and have a good job with and a healthy financial situation.
It seems bonkers that my score is now this low (429) despite me literally never missing a payment on multiple credit accounts and utilities over ten years, I have good credit utilisation etc.
Is it normal for such a steep drop simply for querying a transaction? Doesn't seem fair at all?

I can’t fricking get mom’s internet provider to actually give me her account info to see wtf I’m paying for. I sent them the death certificate and they put me as a user and not primary account holder. But I can’t login. Her laptop and cellphone are in another state so I can’t just retrieve password. I just can’t. I call them, they say go to the store. I go there, they say I have to call customer support. I fecking hate this. I paid $600 in mostly fecking late fees bc the bill wasn’t paid for idk how long and yet I still can’t get into the account. There is no help or guide for this bureaucratic bullshit. I was never fecking prepared for “tying up loose ends” to be so awful and expensive and gut wrenching. The emotion part is one thing, BUT then there’s the fecking banks, the probate court, the credit cards, and ffs the internet providers steamrolling you when you literally CANNOT function and bumbling around in the dark bc you have no idea wtf you’re doing.