Okay. This happened to me (sort of) in the fall. It’s not exactly the same situation but I highly suggest you try what I did to correct.

Backstory I dropped the caliber of CC as I wasn’t using it anymore. When I did, the card # remained the same. I was also told everything would remain the same (IE auto pay). I stopped using the card but a singular 4$ ish charge remained after the swap. Unfortunately the auto pay turned off. I didn’t know. That was septemberish. November I get a credit alert and discover it.

Calling them didn’t help as they must tell you they can’t adjust accurate credit score stuff. I wrote a letter to all the high level emails I could find on their home page (this was chase I believe). There is a letter format and you plug in your details/story. I was lucky and received a response within a week that they understand what happened better (they may have called me back actually) and they would fix it. 1 month later and my 140ish points returned.

My situation involved a bit of an error on their part, but def an error on my part. I wish you luck!

Okay well maybe not compact but there's definitely some good spacious cars that tend to be smaller. In my experience, SUVs are pretty massive with less interior space than a minivan and without as much safety for you or other drivers. This is true about the light truck category in general actually which encompasses SUVs as well. Hatchbacks or station wagons tend to be pretty dang spacious and honestly even sleepable if you really want to.

Capitol One and AMEX has no physical location. PNC does

Thanks for the comment. To go in more depth of why it’s between those two; the space is pretty important. I had a Jeep compass then got the Pontiac G5. I don’t like sitting low on the road, it’s sketchy taking left turns and the amount of times I’ve had a hard time packing the smaller car when I go to the lake or anywhere have made things very inconvenient.

Graduate first and don't make any big unnecessary purchases for at least 3 months. Set a budget of expenses and try to live like a poor college kid and see how much cash you can save up. It sounds like you want a lot of toys aka depreciating assets and those should be purchased with as little debt as possible after setting a good foundation of needs like emergency fund, housing, etc.

I have a HYSA with PNC and I believe it's right at 4%

My PayPal is showing 4.13% with a savings acct. I don’t like PayPal as a company unfortunately.

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Don't go SUV or truck tbh. Like why? Yeah I saw the boat and camper mentions. Ideally go for more compact and fuel efficient.

Yeah but there are still multiple savings accounts offering over 4%. Including Wealthfront at 4.3 with no hoops to jump through.

So why go with a CD at 3.5?

As mentioned, most CCs have some forgiveness policy assuming you have a history of on time payments. I have missed a couple over the years, usually for auto pay reasons, and didn't even pay a late fee after making a phone call to explain.

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Next time call them up and ask them to waive the last one and you’ll pay the two missed payments (and one late fee) and the current payment due. That’s pretty standard and they’ll do that like once a year. A 200pt drop seems extreme. I’d do some careful looking and make sure that was the event that caused the drop.

Are you really willing to barrow the loan for a down payment under the CalHFA Ca Dream for All Program.

You have to repay the loan eventually at sale/transfer or after 1 refinance or when the loan is paid off at end of term and then you have to share appreciate.

That shared appreciate can cost more than PMI.

If you live in a HCOL city than it may be worth it if houses will just appreciate and appreciate you will keep the house for a long time

Happy with mine.

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You should be able to get 4+% right now if you look. Search for "best high yield savings accounts"

Dude you're my hero. Had no idea PNC had these. I've had a virtual wallet account with them for 15 years and assumed the "growth" account (0.00whatever%) was what they called their HYSA. I've been doing external transfers to a local credit union for their HYSA but if PNC has an actual HYSA offering 4% that's so much more convenient. It's available in my state too. Signing up now. Thanks and cheers!

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Yep if you're sincere and have good history they'll definitely reverse at least 1

It’s a credit card… the problem is the missed payments.

Not much to be done except explain to capital one that they messed up but it was an autopsy issue, not a credit worthiness one, and MAYBE they would take pity and make adjustments to their reported missed payments.

You should def start with calling your card. My long past experience of missing many payments on lots of different cc is that they all have some forgiveness policy that may help.

paid it off? like the whole loan? if so, nothing.

If you just paid the two months you missed, I'd make a bigger payment next month to bring your score up or pay early.

Came here to say this. Brokered cds have better rates without the banks hassle. (Short grace periods to do something with it) Just set up a Fidelity account for my daughter for this purpose.

Also, the cash sitting In Fidelity’s invest accounts makes 4.4% currently. Varies slightly by the day.