Hear me out
recklessengagement
joined 1 year ago
Iirc, closing an account impacts your credit not because you cancelled your account, but because it impacts your debt/credit ratio.
You have 2 credit cards. Card A has a 10k credit and 2k balance. Card B has 10k credit and 0 balance.
So your ratio is 2k/20k or 10%.
If you cancel card B, your credit line is now 2k/10k, which is 20%. This increases your credit utilization, which impacts your score.
Opening and closing a bunch of cards without any balance shouldn't have a significant impact on your score, maybe a few points.
Hard inquiries can be bad but most credit cards use soft inquiries nowadays anyway
I made this account wanting to try to be chaotic and unhinged for a change, but I couldn't do it :c
I had to ban myself from that game as I'd fall off the face of the earth for weeks at a time
Is the TOR part optional?
Use an app with filter lists. Add american political terms to filter. Experience gets muuuuuch better.
Until I joined Lemmy I had no idea how militant vegans could be. I sorta just assumed they were a different brand of vegetarian.
I'm not opposed to their ideaology in any way, but after reading the comments on a few posts that found their way into my feed... I had to block their communities. It didn't seem likely that I'd be reading any productive discourse there.
This looks neat. Great writeup!