They Say I'm 'Exceptional'.

[Industrial Toys]

I never had an accident claim until recently. Drove into a tree on ice. So they jacked my premiums from $1100 to $1800! Fair enough, I guess. But the front page of the policy assures me that I am getting Discounts for among other things "GOOD DRIVER!" Just another case of what they say (like your call is so important to them" is different from what they do. I would have found it more appropriate if the front page, read, jacked rate on account of BAD DRIVER!

Then they sent me a FINAL notice for an account I paid in full a month early. Seems that their courier lost a bunch of cheques. Now, i don't want to spend any more time on it, or pay to have the other cheque cancelled. All such things take HUGE amounts of time and no one answers their phones any more. I asked if I can bill them my time at 90/hr and the cheque costs.

 

[k0ua]

Well, one tiny bit of good news. Our car is already paid off in full this month. One less monthly bill. Wooo.. Hooo:dance1:

 

[Bird]

Well, one tiny bit of good news. Our car is already paid off in full this month. One less monthly bill. Wooo.. Hooo:dance1:

I know the feeling. We had cars paid for totally for a good while, but I let my wife and daughters have a bad influence on me.:laughing: So now we're driving a 2017 with a 3 year lease. Another 10 or 11 months to the end of the lease and then I intend to just buy this car outright and pay if off in cash.

 

[thepumpguysc]

My service said I was "Excellent".. & "in the 2% of the American population"..
Don't I feel special..

 

[Doofy]

My service said I was "Excellent".. & "in the 2% of the American population"..
Don't I feel special..

Me too. The Wife is always threatening to have the short bus come pick me up.

 

[Industrial Toys]

If you are sitting at the back of a short bus, does that still make you cool? Maybe the cool factor is a product of the distance from the driver.

 

[Steppenwolfe]

I will say this from a different perspective. Our construction business caters to large national companies. We build in 35 different states. Every year we are required to submit full financials and our credit score. Those two items then determine how "bondable" our company is. That along with exceptional insurance coverage gets us where we need to be.( of which the rates are also tied to our credit rating). Many guys can build, few have the ability to build with the big boys without the credit ratings.

 

[thepumpguysc]

I keep getting notices of "Credit limit increase" ALL I have to do is submit my income to them..
HE!!, If they didn't know what it was, how did I get a C, Card in the first place.??
& if my wife doesn't know how much I make, why in the world would I tell a stranger..??
& why in the world do I need an "increase" if I'm in the top 2% of the U.S. population.??
Its just stupid people, wasting stamps.. Lol

 

[LittleBill21]

There seems to be this common notion that you need to be in debt to have a good credit score. Honestly I'm not sure where that came from.

I have never paid a cent of interest in my life. Period.

i bought my cars out right, my house outright, everything.

i use credit cards for every single purchase i can and pay the bill in full every month.

my credit score has never been under 800 except when i get a new credit card.

and for those of you saying cash is best. if you can control your spending you can make the 5 figures in cash back rewards i have since i was 18, and I'm under 40.

 

[atsah]

if you can control your spending

That's the key, some people can't. I use cash, the only thing I use the CC for is fuel, only because I don't feel like having to go inside to give them money to turn the pump on and then again to get my change.

A lot of people spend a lot more money on things if they are using a card than they normally would if they didn't have the card.