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Messages - josh nyc

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I cancelled 7pm tix for tonight (sun) on fri at 4pm and received a full refund including the "75 upgrade charges" - I first tried to rebook for Tue or Wed night (I needed to be here on Mon, last min) and was told that "elal is not rebooking any GLITCH tickets" - was actually shocked to get any money back

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On The Road / Re: Avis Master Thread
« on: July 27, 2012, 11:52:02 AM »
K817167 AA A074800 Leisure Travel A177255 USAA

A074800 just cut my rate in half at DEN airport for a one week rental in aug - THANKS!

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On The Road / Re: Budget Master Thread
« on: July 27, 2012, 10:31:37 AM »
Chabad corporate code (BCD) U277223
I haven't used this code..- I don't rent much from Budget.
Does anyone have any experience with this code? (good or bad)

just used it. approx 30% off on the smaller cars

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Credit Cards And Finance / Re: Amex F/R Master Thread
« on: March 18, 2012, 07:08:24 PM »
well i got fried by them (at least thats the way i feel about it)

+1 :) I was going to write the exact same thing

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Destination Guides And Trip Planning / Re: Ski Deals with points?
« on: March 18, 2012, 07:06:49 PM »
Will be there this week and plan on trying the restaurant out.

make sure you try the chicken pizza! enjoy

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Credit Cards And Finance / Re: Amex F/R Master Thread
« on: March 16, 2012, 11:02:54 AM »
My wife barely survived F/R. Her business card was taken from unlimited to 3K and her personal from 10K to 1K.  I guess I shouldn't complain.

Any point in keeping these open with such small CL or should I just close once I get spend bonuses and hopefully I'll apply again in 2 months, get sign up bonus and get hopefully higher credit line?

i got fried at the end of Dec. I tried to move cl from one card to another and then shut the card down. I was told by Amex credit that no limits or CLs can be changed/moved for 6 months bc there was an "adjustment by AMEX" and there's no movement allowed for 6 months (except for closing)...YMMV but I've heard from more than one person that after a fry your stuck for 6 months...ive been keeping super quiet w amex and hitting chase and citi until my 6 months pass

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Destination Guides And Trip Planning / Re: Ski Deals with points?
« on: March 12, 2012, 08:58:27 PM »
+1, but with some limited exceptions such as the PMCO 757-200 or 777-200 that can be found on routes like EWR-IAH/LAX/SFO or the CX 777 from JFK-YVR.
Was on CX777 JFK-YVR and it was amazing. Slept like a baby in Biz. There were 10 crew members for the 44 seats. Service was incredible
Canyons is great.

Haven't been to the restaurant yet.

The restaurant was very very good. I really dont like skiing the canyons - the mtn is super disjointed and its very difficult to get from certain peaks back to the base (up one lift down a run, up a different lift, down another, up another etc) and you waste a lot of time traversing. While they do have some good terrain, esp off the 9990 lift, i think there's a lot better to ski out there

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why would it not affect your score if your utilization is higher?do you have to call lender or it just falls off ? i dont get why on your cr it should stop coming up as an obligation

A stafford student loan is not a line of credit. So utilization of what? --- When a bank is determining how much money to lend on a mortgage the two biggest factors for them are: income, and current debt obligations. If you have more debt obligations (loans, credit cards, autos, additional mortgages etc.) then your income (aka your ability to pay) is adjusted accordingly, as you have other debt payments in addition to your mortgage that you will have to pay each month. Whether to approve the loan and the rate is determined based on credit score, but not the actual loan amount.

And as far as my scenario - the broker at that particular bank told me that they would not hold it against me (meaning my income level) if I had cashed 3rd party checks that were paying my student loans (which at the time I did not - I was paying directly from my bank account). Meaning that their bank would be willing to lend me more money if i had 3rd party checks. (assume bank X will lend a person who makes 100K annually with good credit 300K at 4%. But bank X will only lend 250K to the same person if they have 100K in student loans. etc. Bank Y however, is willing to lend 300K provided there are 3rd party checks written. Make sense? These are only ballpark examples)

Of course its on your cr. But a bank can lend you as much or as little money as they feel like. There is no law that a person with income X credit of Y and util of Z gets Loan A etc

I was only discussing stafford loans in terms of getting a mortgage - I was not addressing at all how it affects your score

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It's on my credit report, but I don't know if it affects my score.

I applied for a mortgage recently, and the broker told me that I don't qualify for a loan because I already have lots of loans on my name, and lenders are reluctant to add to the debt load.

the loans do not affect your credit score. However they count as debt payment obligations thereby reducing the mortgage amount a bank will approve (you make 100K but have 10K a year in loan payments the bank will look at you as if you make 90K etc).

A potential way around this is to have loan payment checks sent to the lender that are issued by a 3rd party (parents etc) for 12 months prior and then the lender will sometimes not count the loan payments against your income (reason being that parents are taking on the obligation and that is apparent through the cashed checks). It will not work though if the money is being transferred electronically (i.e. parents making online payments from their account) This is what a mortgage broker told me when I was in a similar situation. I cant guarantee its actually true.

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Credit Cards And Finance / Re: Amex Financial Review
« on: January 02, 2012, 12:13:22 PM »

ref:
"For each of us the stated reason for the slashes was "insufficient daily balances in bank account"

did you send them your bank statements?
yes - same statements for us both, to two diff FR reps

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Credit Cards And Finance / Re: Amex Financial Review
« on: January 02, 2012, 12:12:59 PM »
did you two do it together or had separate rep?

separate reps. same info - filed in '10 jointly and joint bank account

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Credit Cards And Finance / Re: Amex Financial Review
« on: January 02, 2012, 11:26:01 AM »
Wife actually came away better from the F/R than I did and she doesnt work! She only had one CL slashed (from 18 to 12) they let her keep a 10CL and limited plat and gold to 5K each.

For each of us the stated reason for the slashes was "insufficient daily balances in bank account" -  the letter says call the # on back of cc (CSR) to discuss if I want. Should I try to get any of the CLs raised or am I supposed to move on and be happy that they allowed me to pass their FR? Giving me a 1K limit on cards is pretty worthless

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Credit Cards And Finance / Re: Amex Financial Review
« on: December 28, 2011, 12:13:36 PM »
If your 1040 shows more income the next year.
To get them to raise your CL?
exactly

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Credit Cards And Finance / Re: Amex Financial Review
« on: December 28, 2011, 12:12:20 PM »
+1.  Some people confuse the term "prepay" (bad) with "spend, then pay shortly after charges post."

exactly - did not actually mean pre-pay. meant pay as I go

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Credit Cards And Finance / Re: Amex Financial Review
« on: December 28, 2011, 11:08:44 AM »
Looks like you survived. Did they confirm the income you reported to the FR rep? Was it the same as the income stated on your most recent app?

they allowed me to send 3 months bank statements. The statements confirmed above what I stated on the app but they are statements and my 1040 from '10 had <20K on it. I also sent in an investment account with enough liquid assets to cover all of my CLs.

i guess once I file for '11 i can also call and tell them to re-audit?

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