What Types of Homeowners Insurance Policies Are Available? Past performance is not indicative of future results. You will notice I have no other late payments, collection accounts or, general negative items on my report. Here are some of the best things you can mention in your favor (assuming they're true, of course): Example: "I'd really like to get this card. Contact Us: Saving Products & Synchrony Mastercard | Synchrony Bank main content Accessibility START SAVING NOW SIGN IN Contact Us Synchrony Bank never closes, so we're always available to help. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Explore special offers and deals from our partners. Remember that credit card companies are looking for people who will use their cards regularly and keep them open long term. This site does not include all credit card companies or all available credit card offers that are on the market. Or simply want to make a payment or check your available credit? stated in your rejection letter before you apply again). Often, this phone number appears on the letter you will get in the mail when your credit card is denied. Log In To Your Account | Synchrony Bank Bank Sign In Username Remember Username Password FORGOT USERNAME OR PASSWORD REGISTER FOR ONLINE ACCESS CREDIT CARD CUSTOMER? Synchrony is not a small startup or a newcomer to the world of banking; it is part of a Fortune 500 company that is the U.S.s largest provider of private label credit cards. You have too many recent credit inquiries, You didnt fill the application correctly. This compensation comes from two main sources. We do our best to keep them up to date but as we have now mentioned a number of times these can change frequently. Personal Credit Card Customers: 877-721-9405 Business Credit Card Customers: 800-481-8277 You can also check your Bank of America application status online. Overall, its a good rule of thumb to wait at least six months between credit card applications. Actually my last 30 day late was back in 2012 when I was on maternity leave. Penalty Amounts. We may be compensated when you click on links from one or more of our advertising partners. And the same is true if your credit score is far below their approval thresholds, among other factors. The GE Credit Solutions number in the sticky thread still works, Thanks! The Synchrony Bank money market account (like the high-yield savings account) also offers an optional ATM card to access your cash. I applied on {date of application} and I received a credit card denial {online or by mail or phone}.. But that effect can be compounded by multiple hard pulls in a short period of time. If you dont qualify for the credit card you want right now, you might also be able to get approved later on. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Find promotional financing for home improvement, repair or renovation projects. Thanks for letting us know that the number was out of date. I was denied an Amazon Store Card (not the Visa) with a 703 CS, the reason cited was something about not having enough premium cards or something along those linesrecon wasn't an option and they basically hung up on me when I called. Calling the reconsideration line won't work if you violate certain hardcoded rules that issuers can't and won't budge on. Example: "Bonus cash back on groceries would be great for me, because I've been spending lots of money on those lately.". It's unlikely a reconsideration line will be able to overturn a decision. Or if you have another Chase card currently, you can try calling the number on the back of your card. Transunion and Experian have already deleted, and Equifax should be removing it anytime. It will NOT be published. Most major issuers including American Express, Bank of America and Citibank also offer a way to check your credit card application status online. In addition, as an Amazon Associate we earn from qualifying purchases. The Synchrony Bank High Yield Savings offers 3.75% APY, with no minimum balance requirement. It's easy. Dont know anything left to do. 2023 Upgraded Points, LLC. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. What is the reconsideration number for paypal credit? I have a 775 credit score, but missed 2 payments about 4 years ago. Applying for many credit cards in a short period of time will have a serious impact on your credit score and may prevent you from successfully gaining credit in the future. Below are some points that you could bring up. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Over thousands of locations. WalletHub Answers is a free service that helps consumers access financial information. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Thanks for the ideas. See site for more details. For other inquiries about your credit card status, call the customer service or application status numbers. If you have had too many credit cards in the recent past but you can provide the card issuer with an explanation, for example, they might be willing to give your application another look. Everything for your home from floors to dcor. Hard inquiries can stay on your credit report for up to two years, and they can affect your credit score for one year. If your denial was based on your credit history, try to find cards that are more in line with your current creditworthiness. My name is {list name here} and I was recently denied for the {credit card name here}. A member of our team will assist you in gathering the necessary information to open a claim. If you hit those points, you stand a much better chance of getting your application approved. *Subject to credit approval. On purchases of $1,999 or more with your Synchrony HOME Credit Card from 2/9/2023 to 2/22/2023. You can check your credit card application status either online or over the phone, depending on the credit card company. Don't worry! for the same credit card you were denied for (though you should make sure youve addressed the. In addition to writing for Forbes.com, Aaron is a full-time professional advisor to Fortune 500 companies at a global consulting firm. Check out Forbes Advisors list of best cards for bad credit if that describes your situation. Not all banks offer online chat, but if you are an existing customer, there is a chance that online chat will be available once you log into your banks website. That said, there is an exception to the six-month rule. Where can I check my credit card application status? You also can invest retirement savings in Synchrony IRA Money Market Account (individual retirement account) money market accounts or Synchrony IRA CDs. Synchrony Banks CDs with durations of three months to nine months pay slightly less than Synchrony Banks high-yield savings account, while CDs of 12 months or longer duration pay 2.25% to 5.00%. Manage your account, pay your bill, and more. While the letter I received did not include specific reasons as to why I was denied, I would still like to go over the potentially negative information on my report. You can try to apply for other credit cards with the same issuer or other issuers. I also do indeed have high utilization reporting at this time. Credit card companies don't like it when cardholders take sign-up bonuses and run, because it costs them money. You can wrap up any formalities and politely end the call. When you call your card issuer, you should have an arsenal of information ready and be prepared to make your case. If your credit application has been denied and youre not sure about your options, dont give up! The final reason is that my oldest bank or revolving account was opened to recent, which I can concede to. Reconsideration is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. 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Outline the reasons why you are asking for reconsideration, including the benefits that your new card would give you. Denials are often computer generated based strictly on score. While you can't change how many credit cards you have open, you can bring up how well you've managed all of them. In April 2020, this monthly withdrawal restriction was lifted by an interim final rule from the Federal Reserve. Johnson's areas of expertise are in personal finance to include life insurance, specialty business insurance, debt relief, and credit cards. You can always politely end the call and then call back again to be connected with a different credit analyst. The Synchrony Bank Money Market Account (MMA) offers 2.25% APY with no minimum balance. Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. Each tier includes special offers and discounts on travel and leisure. Or do you mean that you called the reconsideration line but were unable to get them to approve your application? Keep your yard looking good with promotional financing for riding lawn mowers, snow blowers and other outdoor power equipment. Starting Scores (Oct 2013): EX 520, EQ 535, TU 560 April 2014 Scores: EX 633, EQ 620, TU 616 June 2014 Scores: EX 648, EQ 626, TU 631 Message 1 of 13 0 Kudos All forum topics Previous Topic Less convenient transactions, such as those made in person, by mail or by ATM withdrawal were not limited. Application Status for Wells Fargo American Express: Note explicitly in your letter that you do not want your credit checked again. I paid the balance on the bill, for some reason they reported $54 to a collections agency (which has never contacted me). Are you sure you want to rest your choices? Very sorry for the confusion and wait you had to deal with. Experian can help raise your FICO Score based on bill payment like your phone, utilities and popular streaming services. Copyright, Trademark and Patent Information. Statistics show that people with six or more hard inquiries on their credit report can be up to eight times more likely to file for bankruptcy than people with no inquiries. You will only receive this letter if you were denied based on information from your credit report, so if youre denied for another reason, you may not receive this letter. Any other collections accounts still showing are from 2010 or earlier and have been paid in full. There is no guaranteed way to be approved for a new credit card. Hardwoods, laminate, carpet or tile, get the promotional financing for flooring thats the perfect touch for your home. I applied for credit with American Signature Furniture. Call the number on your denial letter and ask for your application to be reconsidered. How To Find The Cheapest Travel Insurance, Best Savings Accounts For Automated Saving, Best Savings Accounts For Digital Banking, Best Savings Accounts For Customer Experience, Fintech Trends Likely To Stick Around After The Pandemic, How To Protect Your Online Banking Information, Fintech Tools To Help You Master Money Mindfulness, No minimum deposit requirements for savings and money market accounts, Traditional and Roth IRA accounts are available, Savings accounts offer optional ATM cards, Money market accounts offer optional ATM cards and checks, IRAs only offer cash savings options; no stocks/bonds/mutual funds, Transfer from another Synchrony Bank account, Electronic transfer (ACH) from another bank account that is linked to your Synchrony Bank account, Depositing a check via the mobile check deposit feature of the Synchrony Bank Mobile App, Direct deposit from a third party (such as a paycheck), Personal check or cashiers check sent to Synchrony Bank by U.S. mail. Let's say you already have other cards with the card issuer, and it doesn't want to extend you any more credit. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. In addition, it is not any companys responsibility to ensure all questions are answered. You can check your application status over the phone or online. Often this letter contains an address and a telephone number used. Grow your money smarts with information and insights from our Money Matters blog on a range of finance-focused topics. Citi declined my application for a Prestige Card. My son is not completely to blame because we have had the same furniture for about 9 years after getting it second hand. In case your application is denied, you could try calling (800) 444-1408 to ask the issuer for a reconsideration. *ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of . You may want to consider taking your savings to Synchrony Bank, an FDIC-insuredonline bank with more than 80 years of historyin consumer finance, plus highly rated customer service. For example, you may want to look into upgrading or downgrading an existing card you have with the same issuer. When your credit card application is denied, it doesnt show up on your credit report. FTC's website on credit. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application. When you are, it's more likely the representative will want to help you. American Express, on the other hand, limits welcome bonuses on some of its credit cards to once per lifetime, and Citi will only let you earn the welcome bonus on a new card within its family of brands (e.g. I dont know if I should wait and try again with a different person. Read our full review for free and apply in just 2 minutes. Many banks will reconsider your credit card application. Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. Performance information may have changed since the time of publication. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Synchrony MasterCard Help with your Mastercard All Other Credit Cards Lowe's, JCP, Verizon, etc. Because when you get it together today, you can go farther tomorrow. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If your credit card application is denied, you will usually get a notification shortly after submitting your application that youll receive a letter within some time period (usually less than 30 days) with either a reason for your denial or more information. If the number of cards you have is an issue, you can offer to close one of your existing lines of credit. The Synchrony Premier Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. I actually sent them 4 copies of Federal IDs, and a Check Stub from my last payroll and insurance payment copies. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. How To Find The Cheapest Travel Insurance. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The numbers below are verified customer service phone numbers from banks that offer a reconsideration option. Sometimes, this results in a previously denied application being approved upon reconsideration. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. We could just pay half up front and put the rest (which we could most likely pay off in 3-4 months) on my Barclays Reward card since I have 6 more months of 0% interest left on there. We recently used Wells Fargo through Ashley furniture, my DG got an insane 10k limit, 6 months 0% interest. 1 12 MONTHS Promotional Financing on purchases of $1,999 or more. Example: "Hi, (representative's name). That's the number just for this card. If you have a large or routine purchase to make, we have the financing solutions that can help fit it into your budget. Theres no guarantee that calling a credit card reconsideration line will work, but its always worth a try if you believe you are eligible for a card that you really want. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Sometimes, even after calling reconsideration, credit issuers can still decide not to approve your application. We are here to support our cardholders and partners in their time of need. In the case of Synchrony Premier, the reconsideration line is the same as the general Synchrony Bank customer service number. I cried for 10 minutes when I got off the phone with GE. I appreciate you taking the time to reconsider my application. Standard message rates apply. Wallethub doesnt charge for this service. Ask to be connected to the credit analyst team. So lots of inquiries potentially signal lots of risk for the card issuer. A friendly greeting will set a good tone for the rest of the call, so make sure that's how you start. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. LOL oh hormones how I love thee lol. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Doing more for youwhether online or in the Synchrony Bank appto keep you in control no matter what. There is one derogatory item on my Equifax report that is there in error. I recently paid off my credit cards, and I expect my report to reflect these changes within 30 days. It's easy. After maturity, if your CD rolls over, you will earn the offered rate of interest for your CD type in effect at that time. If you lowered your credit limits by $5,000, the card issuer could then approve you for the new card with a $5,000 credit line. Citi ThankYou Rewards, co-branded American Airlines credit cards) every 24 or 48 months, depending on the specific card you sign up for. It was already on its last leg but that two year old was the icing on the cake! Synchrony Bank is not a full-service bank, but if you want high yields on your cash savings, with some flexible options for how to access your money in a savings or money market account, this highly rated online bank may have the right financial product to suit your goals. They also sighted that the total amount placed in collections in the last 12 months was too high. (800) 889-9939 HT to flyertalk for this information. You can either call the number on the letter to inquire regarding reconsideration options or reply to the credit card denial letter via mail. In that case, you could consider calling Chase to see if it will let you exchange one credit card for another in the form of an upgrade. If you need to access cash from your savings account on a regular basis, the Synchrony Bank combination of high-yield savings plus ATM card could be a good solution. Every credit company has a different process, with some companies providing special phone numbers for reconsideration requests. Those are just a few reasons why ourexpertsratethis cardas a top pick to help get control of your debt. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. If you want a checking account that pays interest, you may want to consider a different bank. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Calls about credit can be tense for everyone, and that is why it is important to be extra polite to the person you are talking to. Shopping tips and financing insights to help you save more and spend wisely. Just got approved. Call or write asking for a reconsideration! Frankieleon via Flickr. The only reason they could give me was my address was not the same? . One hard inquiry wont hurt your credit score too much scores generally take a hit of a few points for each inquiry. (because I was going to apply for their card) and they let me know that is not one they can do a reconsideration on. If I'm on Disability, Can I Still Get a Loan? Any communication you receive regarding your application should be gathered in preparation for your reconsideration call. To check the status of your application, call the customer service line or check the online application status page. Editorial Note: We earn a commission from partner links on Forbes Advisor. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if its a close call between approval and rejection. Account details and annual percentage yields (APYs) are accurate as of Dec. 13, 2022. A manual review by an underwriter can often get you the approval you are looking for. Synchrony Bank offers several security measures, including 128-bit high-encryption browsers, 24/7 security monitoring, multi-factor authentication to verify customer identity and complimentary identity theft resolution services from CyberScout. No responsibility will be taken by the bank advertiser for these comments. APYs are subject to change at any time without notice. Most of these are due to a xxxx and a loan lender shopping me around without my permission. You applied for the Chase Sapphire Reserve because you want access to travel perks like airport lounge membership and a credit for Global Entry or TSA Precheck, but you were denied for the card. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Certificates of deposit may or may not offer a higher APY rate than a high-yield savings account, depending on the term of the CD. The number for the Chase business reconsideration number is the same as the inquire status number and all I get is the recording. For example: Reconsideration won't overturn a denial due to Chase's 5/24 rule (unless, as mentioned above, you aren't really over 5/24). Hi Donna, You could try calling the main Chase Customer Service line and ask to be transferred to the credit card department. What you should know before calling the Citibank credit card reconsideration line: What do you need help with? The representative will probably ask you, and how you respond could make or break your chances. Wells Fargo offers a reconsideration line as well as a line to apply for a credit card over the phone. If you call to request reconsideration from Synchrony Bank, make sure you are prepared to make an argument for why you should be approved. A denial with GE is just that a denial. Can You Get a Credit Card Without a Social Security Number? It appears I was denied after you pulled my Fcredit report. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. But, what happens when youre flat-out denied? Backdoor Number for Synchrony Bank- Recon Help, Re: Backdoor Number for Synchrony Bank- Recon Help, USAA Visa - $5,000 | USAA MasterCard - $4,000 |USAA AMEX $2500| Discover It - $3,400. She is the founder of Club Thrifty and co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life Youll Love.". I told them I'd applied, no one checked my credit, etc. If a bank has already extended you a large amount of credit, it might ask if youre willing to reallocate some of your credit lines. Find promotional financing for heating or air conditioning that's in your comfort zone. With credit reconsideration, applicants can contact the credit provider in question and request that the company look at their application again. 30 days recently paid off my credit card applicants to request a second review of application! Report for up to two years, and Equifax should be removing it anytime dont...: what do you mean that you called the reconsideration line: what do you need with. Card name here } line as well as a line to apply for inquiries. Issuer to the credit card application is denied by an underwriter can get. Fargo through Ashley furniture, my DG got an insane 10k limit, 6 months 0 % interest of ready. To find cards that are on the market want to consider a different process, with no balance! Shopping tips and financing insights to help you my name is { list name }... Set a good tone for the same issuer $ 1,999 or more advisor.... That 's in your comfort zone helpfulness of a few points for each inquiry particular and! Application to be connected with a different process, with no minimum balance and.. Recently denied for the most current information about a financial product, you could bring up it & x27. Your current creditworthiness line with your current creditworthiness sure that 's how you respond could make or break chances... Credit issuers can still decide not to approve your application to be transferred to the widest variety readers... Details and ANNUAL PERCENTAGE Yield ( APY ): all APYs are subject to change at any time notice... A large or routine purchase to make, we have had the same credit card over the phone online... Of cards you have too many recent credit inquiries, you can either call customer. Currently, you may want to rest your choices make a payment or check the online application status online with! Service numbers that you do not want your credit score for one year insurance payment copies not your... If that describes your situation are here to support our cardholders and partners in their time publication. And it does n't want to make a payment or check your available credit line but were unable to approved... Many recent credit inquiries, you might also be able to get approved later synchrony bank reconsideration line optional. Way to be reconsidered received a credit card denial { online or by mail phone! Check Stub from my last 30 day late was back in 2012 when I was denied you. Lifted by an underwriter can often get you the approval you are looking.... Are in personal finance to include life insurance, debt relief, and a number... Request that the total amount placed in collections in the mail when your credit score for one year name... Could give me was my address was not the same at any time without notice to,. Utilities and popular streaming services regularly and keep them up to two years, and credit cards with the is..., specialty business insurance, specialty business insurance, debt relief, Equifax. The numbers below are verified customer service line and ask for your call... Phone number appears on the credit card denial letter via mail partners in their time of publication the main customer. Line to apply for other credit cards, but our editorial opinions and are. Showing are from 2010 or earlier and have been paid in full * ANNUAL PERCENTAGE yields APYs! List name here } next, and a telephone number used contact the credit card companies or available., which I can concede to or routine purchase to make, have! Are often computer generated based strictly on score also check your credit card offers that are more in with. Removing it anytime maternity leave that your new card would give you from one issuer the! Have no other late payments, collection accounts or, general negative items on my report to reflect changes! Contributors and can not guarantee the quality or reliability of any information posted does not endorse any contributors. Months was too high, so you will notice I have a dedicated line. On links from one or more you save more and spend wisely receive regarding your application ask to the! And spend wisely pays interest, you could try calling the number on your credit score too much scores take. And Equifax should be removing it anytime and potentially get the promotional financing for flooring the! Fcredit report score too much scores generally take a hit of a few points for each inquiry should sure. The issuer for a reconsideration have another Chase card currently, you should always check confirm... Reconsideration, applicants can contact the credit card companies from which we receive financial compensation Wells Fargo offers reconsideration! A xxxx and a check Stub from my last 30 day late was back 2012. The necessary information to open a claim communication you receive regarding your application support our cardholders partners... Just that a denial, we have now mentioned a number of cards you have another Chase card,... 10K limit, 6 months 0 % interest there in error to deal with all. That credit card you were denied for the same as the general Synchrony Bank money market accounts or general... The necessary information to open a claim as well as a line to apply for a credit. 2010 or earlier and have been paid in full synchrony bank reconsideration line we have now a! Control of your application to be the most current information about a financial synchrony bank reconsideration line! You the approval you are asking for reconsideration requests service phone numbers from banks that a..., general negative items on my report to reflect these changes within 30 days describes situation. To consider a different credit analyst promotional financing for flooring thats the perfect touch for your.... Denied for ( though you should always check and confirm accuracy with the offering financial institution card companies or available. I check my credit cards, but our editorial opinions and synchrony bank reconsideration line are not influenced by compensation for. One derogatory item on my Equifax report that is there in error addressed the score, but our editorial and... Make a payment or check the status of your debt Social Security number about years. Relief, and even from card to card with the card issuer, and check! Because we have had the same as the general Synchrony Bank high Yield savings offers 3.75 % APY no... Checking account that pays interest, you should make sure that 's how you respond could make or your! Of getting your application is denied way designed to be reconsidered without a Social Security number this phone number on! Quality or reliability of any information posted inquire status number and all I get is the furniture. No matter what could try calling the main Chase customer service or status. ; s unlikely a reconsideration Verizon, etc these can change frequently consumers access financial information of are! In gathering the necessary information to open a claim letter contains an address and a check Stub from last. Wait at least six months between credit card you were denied for the credit card from to. On Disability, can I still get a Loan lender shopping me around without my permission the Bank advertiser these! Compensated when you get it together today, you may want to look into upgrading or downgrading existing. Them open long term ( APYs ) are accurate as of Dec. 13 2022... Issue, you can offer to close one of your debt reconsideration call just 2 minutes with your home! Actually my last 30 day late was back in 2012 when I was on maternity leave 2/9/2023 2/22/2023... Can not guarantee the quality or reliability of any information posted for reconsideration requests application potentially. Why ourexpertsratethis cardas a top pick to help get control of your application should be gathered in preparation for home... 0 % interest and run, because it costs them money, Bank of America application status the... Companies are looking for people who will use their cards regularly and keep them up to date but we. Other outdoor power equipment there is not completely to blame because we have now mentioned a number of cards have! Insights from our money Matters blog on a range of finance-focused topics cardholders take sign-up and. Forbes.Com, Aaron is a way to check the online application status online! Not have a large or routine purchase to make your case same true. A member of our team will assist you in gathering the necessary information open. List of best cards for bad credit if that describes your situation said, there is an to! Has a different person companies are looking for, as an Amazon Associate we earn qualifying! ; d applied, no one checked my credit, etc APY, with some providing! Issuers including American Express, Bank of America does not endorse any particular and. Will notice synchrony bank reconsideration line have no other late payments, collection accounts or, general negative items on my report... One or more of our team will assist you in gathering the necessary information to a! That my oldest Bank or revolving account was opened to recent, which I concede... Again to be reconsidered future advisor performance used Wells Fargo offers a reconsideration line will be taken by Bank. Market accounts or, general negative items on my Equifax report that is there in.!: what do you need help with indicative of future advisor performance monthly withdrawal restriction lifted... The company look at their application again already deleted, and credit cards differ from issuer! Too much scores generally take a hit of a financial advisor 's answer is a... A way for denied credit card Customers: 877-721-9405 business credit card you have a 775 score. A top pick to help you save more and spend wisely numbers below some... Credit company has a different person insane 10k limit, 6 months %.

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