[Tikva]

As title says im a banker i work with bank accounts, certificate of deposits, and credit cards. Im fairly knowldgeable on banking regulations and budgeting that may or maynot assist you all for your personal finance questions... ask me anything.

I of course will not give out customer info or name of where i work.

So then you’ve seen all the credit card/cheque scams? What do you think about it… like a certified cheque being deposited in a random account

[noEsc]

It's crazy I made this thread so long ago. Anyone have any new questions?

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So then you’ve seen all the credit card/cheque scams? What do you think about it… like a certified cheque being deposited in a random account

I must've forgot to reply my bad.

But yes I don't think I've seen a 'new' scam in years.

[noEsc]

I haven't been on in awhile, feel free to ask questions again!

[W1NK1LL3RX]

Do banks secretly have a 'just because' fee? 😂

Sorry, dad joke!

Anyway, I was at 895 and now I'm down to 887 even though I've been paying my credit cards on time, not overspending, and keeping everything tight. Why would it drop like that? And how do I max out to 900 on my credit score? I can provide screenshots if anyone thinks I'm making it up, lol.

[noEsc]

Do banks secretly have a 'just because' fee? 😂

Sorry, dad joke!

Anyway, I was at 895 and now I'm down to 887 even though I've been paying my credit cards on time, not overspending, and keeping everything tight. Why would it drop like that? And how do I max out to 900 on my credit score? I can provide screenshots if anyone thinks I'm making it up, lol.

No, unless you consider 'maintenance' a just because. Some banks charge fees just to have an account which honestly is crazy. Should only be for high value profiles.

Credit scores fluctuate. It's likely just your credit and debt ratio and will probably change again next month. A big purchase or lower spending can cause that to happen. Your score isn't really a big deal though it's what's in your history that's important. I've seen people with 850 credit scores get denied a credit card just because they have too much credit from other banks.

As far as maxing it out I honestly don't know but it doesn't really matter either because like I said lenders don't look at your score they look at what credit and such you have.