Tinkiegrrl_825

Tinkiegrrl_825 t1_je33pif wrote

There’s got to be some solution. This isn’t just about the homeless. People vital to keeping the city running are being priced out of the city. Teachers, cops, fire fighters, EMT workers, you name it. All the cashiers in all the stores.. think they can afford to live here? I work full time and I have a side hustle and I can only afford to be here because I’m renting from a family friend. I knew someone. That’s all. I hear all the arguments against Good Cause Eviction protections but then, how will this city run if all the people who run it can no longer be here?

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Tinkiegrrl_825 t1_iwbva3x wrote

Make sure you track what you spend on a credit card and NEVER spend more then you have in checking to pay it. Pay in full every month. You avoid interest on credit cards this way. For a first card, look for something with no annual fee and some cash back rewards. Both Discover and Capital One have pre approval pages that won’t hard pull your credit and tell you ahead of a full application what cards, if any, you can get. You can eliminate some of the risk of being declined for a card this way. If you have an IPhone Apple Card is complexly risk free to apply for. You only get a hard pull IF you are approved and you accept the offer

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Tinkiegrrl_825 t1_iwblldj wrote

If you are using your debit card, you need to get a credit card. This way, when a skimmer or thief manages to get your card number they can’t drain your checking account. They take the banks money instead. You won’t be broke while the credit card investigates. I learned this the hard way after my checking account was drained twice by thieves. Debit was likely skimmed once at LaGuardia because my checking was drained while i was on vacation and once more at gas station. Never use debit/credit at the pumps by the way. Always go inside. Skimmers love putting their devices on the pumps. I use credit for everything these days, and if I MUST use my debit I have a separate, fee free online checking account that I only keep a hundred or so in. If a skimmer grabs that card number, they aren’t getting much money. If opening another checking account or getting a credit card aren’t options, most banks have toggles in their apps to turn your debit card on and off. Keep it off until you are about to use the card yourself.

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Tinkiegrrl_825 t1_iw9lkom wrote

Just because it was an MTA charge doesn’t necessarily mean your card number was swiped while using the MTA. Just that the thief used it for the MTA. I tend to use Apple Pay attached to a credit card. Never had an issue. Apple Pay doesn’t use your cards actual number. It randomizes it, so even if there is a scanner nearby the thief shouldn’t be able to grab the card number. Most likely, your cards details were stolen somewhere where you physically swiped the card, be it at a merchant who didn’t take Apple Pay, or an ATM with a skimmer attached to it.

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