8558th poster gets a cookie (cookie thread (Part 7)) (Part 9)

General
#6583

@Marshal We have become mortal enemies

3 Likes
#6584

:facepunch:
(nose punch)

1 Like
#6585

my mom said she was gonna put me on the discover card she has rn that my dad doesnt have access to but i do want my own acc and card not linked to family spending in any way.

6 Likes
#6586

I think chase has a spend 500 get 200 dollars deal

4 Likes
#6587

so violent and rude

1 Like
#6588

i will look into it

2 Likes
#6589

Also a year of no interest. Discover charges interest in line 3 months after. No interest is helpful when you are right on money but need to spend a lot of money at once but never again so you can just do minimum payments

3 Likes
#6590

Nose thwack

2 Likes
#6591

What is your dad doing

1 Like
#6592

1 Like
#6593

i dont know, we dont really talk anymore. He’s unemployed and spending thousands a month on something.

my mom says he has a new family, which i think is code for hes staying with his guy friend/lover.

4 Likes
#6594

in the process of this he is tanking the fuck out of my credit

4 Likes
#6595

i hope he gets better and sober but i genuinely dont see that happening ever.

4 Likes
#6596

ive not had a great week if you couldnt tell

7 Likes
#6597

I use Flagstar

3 Likes
#6598

their online offering (under the name MyBankingDirect) gives a top-tier interest rate on savings with no excessive requirements or fees that would realistically bother me

and there are also branches all over the country (not everywhere but there are locations near both my home now and back in Michigan)

they’re actually originally from Michigan

if there are locations near you maybe give it a look and see if it would work for you?

4 Likes
#6599

you can find better interest rates, but usually you’ll have to deal with one or more of the following downsides

  • rando silicon valley startup that could just vanish or be sold off

  • no brick and mortar locations anywhere, making it hard to visit in-person should an emergency ever force you to

  • high requirements to access the highest interest rate (such as a high minimum amount of cash they need to hold)

  • hidden BS fees that hit your account for relatively normal usage

Flagstar (specifically MBD) has none of those downsides (at least for where I live and how I use my accounts) and so it’s a pretty good option imo

4 Likes
#6600

I love you so much mwoah

1 Like
#6601

dont think they are anywhere in WA thanks for the rec anyways

1 Like
#6602

I use Bank of America, and that’s been quite reliable.

1 Like