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You're probably right. I advocate for the world I want and sometimes forget where we [collectively] stand. :) I would hope financial institutions would at least start offering the option to opt out of physical cards, similar to the way most already allow you to opt out of physical account...

I agree and it scares me.

I think physical cards are basically on their way out anyway. My Citi Visa [from Costco] just introduced an electronic version that gets me into Costco [satisfying their ridiculous requirement to prove membership just to enter] and also allows me to pay for my items at the register via a QR...

It's been about as long for me but I actually worked one of his live shows and that's how I met him. I never needed his advice but appreciated his brutally honest approach on the radio as compared to Clark Howard, another nationally syndicated host based here in ATL. Touch'e and I couldn't...

Dave Ramsey is heavily involved in Real Estate and has been for a long time so he actually should know the relevant facts. If he's telling folks otherwise I would suspect it's intentional and designed to steer them to his preferred lender as they are also a sponsor of his radio show. I met him...

I may have been misinformed but it's not altering how I live my life one bit. I do exactly as you suggested and have for years. I have a single credit card which I use for all of my larger purchases. I have automatic payments setup and pay the full balance every month. If I go a little crazy...

I'm never offended when presented with factual information that contradicts what I thought I knew. :) That's called "learning." I'm not in the industry so I was just repeating what I've read. My wife did once work for Carmax as an underwriter. She said this was done for certain applicants...

Most lenders will not do manual underwriting. They're set up to process the masses. I sort of think you already understand this so I'm a bit confused.

I'll say this. I owe no one anything at this point. When I did, I generally "paid as agreed." My FICO score dropped [significantly] when I paid off my house. It's creeping back up now but will eventually drop again unless I take out more loans. I have zero debt but am considered a lower...

Yep yep!

Why would Apple [or any other Mega Company] offer it's "own" credit card? Easy money of course. Although Apple possibly could, they're not interested in actually carrying the debt. No. Like others before them, they'll leave that to the Alpha Predators of this industry like Capital One and...

I'm surprised it took Apple this long as this is definitely low hanging fruit for them. Personally, I have no interest in this or anything else from Apple. I have an iPhone only because my job requires me to. Credit score are a funny thing. I'll admit, I like a high score too but I am no...