Spyke

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business is business

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I remember eBay used to let you view items that have actually sold that way you could see the actual price an item moves at. Haven't used it in a while but if that's still there I would show them what price the card has sold for in the recent past

news

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HOA fines man over handing out water in heat

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On some of them you can just let the air out of the tire and slip them off the wheel. I did that at a parking garage one time and left the boot in the parking spot.

They found me later and said I stole it, I told them to check the camera footage and they saw someone else carry the thing off. I don't know how I got out of that one but I guess they just went after the other guy instead of me lol

games

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How do platforms like Patreon and OnlyFans circumvent this? I know OF had issues with payment processors in the past but I'm not sure what changes they implemented to stay compliant. There must be some way for itch.io to keep these things on their platform while not pissing off the payment processors (who can go fuck themselves btw, this is completely unnecessary)

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I think the issue there is the tech in EV batteries is constantly changing due to miniaturization, battery chemistry advancements, etc. There has to be some point where the cells are "good enough" to become a standard though. I just don't think we're there quite yet.

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Credit score is a poorly implemented modern invention.

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The hard inquiry for opening that new card lowers your score. The avg age of accounts drops with the new card and that also lowers your score. The $1k credit limit doesn't raise your credit enough to offset the drops but over time the impact of those will wear off and your score will go back above 600.

What the OP in the image probably means is that paying off a non-revolving account (not credit, something like a personal loan or car loan) can drop your score. It will drop more if its a large account because it drops the total value of all accounts or the total value of non-revolving accounts you owe on (not the remaining value, it uses the total for some reason afaik) + your credit limits from cards.

The best way to raise your credit is to just have an assortment of different credit cards, continually pay them off in full, and have some other type of account in the mix like an auto or personal loan that you continually pay off.

Opening all of those at once will tank your credit for a bit because "credit seeking behavior" is a ding against you. That's not an actual term I don't think, but opening a bunch of credit lines at the same time is a bad look and could be a sign of financial distress that scares off lenders. So just start with 1 card and 1 loan then open a new card every 6 mo to 1 yr. Then when you eventually pay off the loan your score may drop anyways so use that time to open a new loan so you offset the impact of the drop.

The system is dumb but it isn't incomprehensible and it's actually possible to game the system a bit. There are companies that offer pre-paid debit cards but they report to the credit agencies as if you have a credit card with like a $1200 limit and they always report that you have a 20% utilization and always pay on time. That way you build credit without ever actually using credit or racking up debt.