And what people will do for a save game they really care about (like childhood Pokémon carts) is back up the save onto PC, replace the battery in the cart, then put the save back onto the cart. Very clever. I want to get one of the readers that lets you back up carts, they're not that expensive
The bigger impact than credit utilization would be the hard inquiry that they use to determine whether to give you the card as well as the avg age of accounts. Low credit utilization may drop your score an extremely tiny amount (only like 1 or 2 points) but the new inquiry and lowering avg age of accounts is a much bigger impact (tens to dozens of pts drop)
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.
Oh I loved Tokyo Jungle! What a fun and delightful game. Iirc you started off as a Pomeranian and worked your way up to bigger and badder animals right?
The Rest is Science with Hannah Fry and Michael Stevens (the Vsauce guy). Their voices are great to listen to, the topics are all interesting, and the way they explain things to each other as if they're teaching them about it for the first time, even though they're well versed in the subject makes it extremely accessible. Definitely worth a watch.
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)
This is how I feel about all the subreddits and communities here that aim to post right wing content to either make fun of, get the word out, or just display the depravity of the right wing. Just because you added a title that's mocking a fascist tweet, and the community is speaking out against it in the comments, doesn't change the fact that you're increasing the spread of filth. That post is getting more and more eyes on it than it would have if nobody had engaged with it at all. We're spreading their propaganda for them.
They do this shit to "trigger the libs" and seeing their racist diatribes being spread on social media is exactly what they want. Hell plenty of news and media broadcasters do this too. Twitter posts are referenced in articles and on TV all the time.
I get it, we need to be aware of these freaks and stand up against it, but I'm conflicted because we're inadvertently helping them reach a larger audience.
They apparently had video (obviously doctored and they couldn't even hide that) after saying for years that all of the cameras malfunctioned. That video was released very recently so that leads me to believe there's more stuff that never got released.
I thoroughly believe that antiperspirant makes you sweat more. I used to constantly have pit stains, I was so embarrassed by it in high school. I even went to the doctor and was prescribed a hyperhydrosis medication which didn't work and gave me a rash. So I switched to aluminum free Deodorant and my armpits basically never sweat now. Haven't ruined a shirt with pit stains in over a decade now.
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
That happened too
Programmable Logic Controller
And what people will do for a save game they really care about (like childhood Pokémon carts) is back up the save onto PC, replace the battery in the cart, then put the save back onto the cart. Very clever. I want to get one of the readers that lets you back up carts, they're not that expensive
The bigger impact than credit utilization would be the hard inquiry that they use to determine whether to give you the card as well as the avg age of accounts. Low credit utilization may drop your score an extremely tiny amount (only like 1 or 2 points) but the new inquiry and lowering avg age of accounts is a much bigger impact (tens to dozens of pts drop)
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.
Wow you weren't kidding. That's snappy and responsive
I use Voyager. Its pretty nice, I never have any issues with it
I have them tagged as "Dumb ass AI Defender" so they must act like this all the time
Oh I loved Tokyo Jungle! What a fun and delightful game. Iirc you started off as a Pomeranian and worked your way up to bigger and badder animals right?
You guys are getting raises?
The Rest is Science with Hannah Fry and Michael Stevens (the Vsauce guy). Their voices are great to listen to, the topics are all interesting, and the way they explain things to each other as if they're teaching them about it for the first time, even though they're well versed in the subject makes it extremely accessible. Definitely worth a watch.
https://youtube.com/@therestisscience
It apparently tastes like shit so you're not missing out. Stay strong and don't fall for it!
I have a third nipple
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)
I disagree. I think OP is a switch and is struggling to find someone who is the same.
This is how I feel about all the subreddits and communities here that aim to post right wing content to either make fun of, get the word out, or just display the depravity of the right wing. Just because you added a title that's mocking a fascist tweet, and the community is speaking out against it in the comments, doesn't change the fact that you're increasing the spread of filth. That post is getting more and more eyes on it than it would have if nobody had engaged with it at all. We're spreading their propaganda for them.
They do this shit to "trigger the libs" and seeing their racist diatribes being spread on social media is exactly what they want. Hell plenty of news and media broadcasters do this too. Twitter posts are referenced in articles and on TV all the time.
I get it, we need to be aware of these freaks and stand up against it, but I'm conflicted because we're inadvertently helping them reach a larger audience.
They apparently had video (obviously doctored and they couldn't even hide that) after saying for years that all of the cameras malfunctioned. That video was released very recently so that leads me to believe there's more stuff that never got released.
Blade Runner. I recently read through Do Androids Dream of Electric Sheep and really didn't like it much but the movie is phenomenal.
I thoroughly believe that antiperspirant makes you sweat more. I used to constantly have pit stains, I was so embarrassed by it in high school. I even went to the doctor and was prescribed a hyperhydrosis medication which didn't work and gave me a rash. So I switched to aluminum free Deodorant and my armpits basically never sweat now. Haven't ruined a shirt with pit stains in over a decade now.
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