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Topics - Nate!

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Destination Guides And Trip Planning / Passaic Clifton Master Thread
« on: January 13, 2020, 11:42:53 AM »
Putting up this thread as a resource for Passaic people to ask/answer questions and add to the wiki.

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Credit Cards / Credit Utilization Questions
« on: January 30, 2015, 11:00:04 AM »
Hi everybody, I am kind of confused about credit utilization. My understanding is that the broad sugya of utilization is responsible for 30% of your credit score, and that this utilization is measured both as a function of individual credit cards, as well as your total credit limit. However, I have the following remaining questions:

1. I think the way it works is that whoever is deciding credit scores takes random snapshots of your account during random points of time, and it doesn't boil down to just paying off your bill in full by the time your statement is due. Is that correct?

2. Is it okay to max out a credit card multiple times a month and just pay it off ahead of time so you never have usage on the card lemaisa? The way this will really work is if I have a checking account affiliated with the credit card (same company) so the transfer would be instant, thus minimizing the chances of a snapshot getting me.

3. That being said, are pending charges part of utilization or does it have to clear first?

4. How important is the individual card ratio vs. the overall ratio? Does anybody have more detailed info into how the formula works?

I think that's it for now. Thanks!


3
Up In The Air / Fake location to get cheaper tickets?
« on: December 10, 2014, 10:11:46 AM »
Has anyone heard of this before? Time Magazine had an article about how if you change your point of search you can save a ton of money on airline tickets. Dan, do you know about this?

http://time.com/tag/travel/#tag/travel/

If you get a different article then they must have updated it but you should be able to find it.

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