Edmunds Members - Cars and Conversations (Archived)

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  • driver100driver100 Member Posts: 32,594

    I already cleaned out my desk and e-signed my exit documents, so not sure what, if anything, is going to happen on my last day.
    It will be my 25th anniversary with the company.
    Hope my manager doesn't assign me some work. :D

    So, I gather this is retirement, not the old boot.
    Are you at the age limit or the number of years/age limit?
    Are you looking forward to the big R?
    Good luck in any case.....if bored you can do more posting here all day.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • explorerx4explorerx4 Member Posts: 20,777
    @driver100,
    Job was offshored but I've been thinking about retirement anyway.
    Still get paid pretty much through the end of the year, so I'll have a guilt free summer off.
    Big one is, I have to get healthy but that is going well.
    I can finally be around other people.
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • houdini1houdini1 Member Posts: 8,351
    jipster said:

    driver100 said:

    Reaction Time Test

    This simulates you in the driver's seat of a car. You're driving down a road, when you see a big red hand flash in front of you. You have to put on the brakes.

    Then, the Reaction Time Test tells you how old you are, when it comes to driving.

    The test is based on reaction times of 2,000 people ages 18 and over. The Reaction Time Test plotted their reaction times by age; it matches your reaction time to those averages.

    Some of their results may surprise you. The Reaction Time Test found that left-handed people and men have slightly better reaction times than the average person.

    Bet you try it more than once!

    https://www.justpark.com/creative/reaction-time-test/

    https://eur06.safelinks.protection.outlook.com/?url=https://www.justpark.com/creative/reaction-time-test/&data=02|01||1a734affece94189a6a708d8018e8ce1|84df9e7fe9f640afb435aaaaaaaaaaaa|1|0|637261059043764154&sdata=5GKcDM+tISCyhPvDuulVCEooPoJCzBO4yG0Liqen3z4=&reserved=0

    First.try was a 33, best was a 28, most in mid 30's....and one "We're not sure if you're human", as I jumped the gun and tapped the screen a millisecond after the stop signal came on.
    I got one of those "we're not sure you are actually a human" also.

    2013 LX 570 2016 LS 460

  • andres3andres3 Member Posts: 13,938
    I think 18 is the best you can do before you become a "we're not sure your actually a human" comes up. Keyboard is a bit faster than my optical wireless mouse.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • dino001dino001 Member Posts: 6,191

    Here’s a what would you do question.

    I have a Chase Visa card which I’ve had for close to 40 years. A few years ago they jacked my interest rate up to 21% for no reason. Didn’t bother me financially since I never carry a balance but it irked me that they would do that to long time customers.

    As a result I started using the Visa card less and less, favoring the Master Card I got from my credit union. Evidently I haven’t used the Chase card in a year.

    So today I get a letter from Chase saying that because I haven’t used the card they are reducing my credit limit by half ($16,700 to $8,300). Huh? Sounds like a bully tactic to either make me cancel the card or start using it more but who knows what is their true motivation.

    So what would you do? I’ve got an $11,000+ limit on my other card so I don’t really need the Chase card. The only thing I would buy for more than the limit would be a car and most dealers won’t let you charge the full cost. My only concern would be a ding to my credit score for canceling a card with a 40 year history.

    I’m down to deciding whether to just ignore this and continue to make them service my account just for spite or to cut up the card and send it to Chase with a nasty letter about where to stick it.

    Regardless how you feel, keep the card. Rebuild the limit over time by charging here and there and requesting a raise every 6-9 months, or better yet call them now and ask to reverse the decision. There is no need to obsess over the credit score if you don’t want to borrow too much money any time soon, but 40 years card is a good positive.

    BTW, don’t take the whole too personally, banks can only lend so much by regulations, that includes potential credit, too, so they’d rather give more to people they think are likely to use it than freeze the money on people who don’t. No need to become overly indignant over business decision.

    2018 430i Gran Coupe

  • dino001dino001 Member Posts: 6,191
    edited May 2020

    stickguy said:

    My boss would send a nice email out but the company would do squatola.

    My school district went one step further and used some arcane rules to screwed me out of about $6500 in unused sick leave pay.
    Sick leave is not earned time, so it is use it or lose it. Vacation is earned, so they have to pay it, but they can do all kind of things, like cap the year over year rollover and forfeit the rest, if not used in that year.

    2018 430i Gran Coupe

  • dino001dino001 Member Posts: 6,191
    edited May 2020
    abacomike said:

    Finally Broward County Florida is opening up to just about everything except suntanning and swimming on the beaches and I am stuck at home because I have Shingles. Something reeks of "irony" here, don't you agree?

    My doctor said that when you have an active case of the Shingles, you could give the chicken pox to someone who hasn't had them yet and who did not have the chicken pox vaccine. So I am doing the world a big favor by staying home an extra week. :disappointed:

    My doctor told me that shingles are only contagious by direct skin touch (unlike chicken pox, which is extremely contagious through the air), not even through clothes. I got it couple of weeks ago, probably not a first flare up. Also, it is contagious only in stage when the rash is filled with fluid, once it crusted, it’s no longer contagious.

    2018 430i Gran Coupe

  • tjc78tjc78 Member Posts: 17,051
    Keep the card. If you need it they will increase your line.

    I have an open card with a 30k limit that we really don’t use but every two months I do use it for something and always put larger purchases on it.

    2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart

  • ab348ab348 Member Posts: 20,335
    edited May 2020
    Up here Chase had a credit card business (among other things I presume) for a while. When Sears was still operating here they took over (or bought) their credit card business a couple of years before the company went broke. They also were the provider of Amazon Canada's Visa credit card. I got one of those; it was good because you got 2% cash back at Amazon and foreign exchange was done at very favorable rates. I liked the card.

    Suddenly they announced they were closing it out, and it was discontinued as of a certain date. I duly paid off my small balance and switched my Amazon account to a different card.

    Many months go by and suddenly there is a news story one morning about how Chase had forgiven all balances outstanding on cards that people had not paid off. One person in the story was ecstatic at how they had a 5-figure outstanding balance just written off.

    Another item in the @ab348 Book of Grievances.

    2017 Cadillac ATS Performance Premium 3.6

  • ab348ab348 Member Posts: 20,335
    stickguy said:

    my company would laugh if I asked for unused sick or vacation time.

    At the last place I worked it had been an old and time-honored tradition among some that if you had a large bank of sick time prior to retirement you went off on stress leave for that number of weeks/months prior to your planned retirement date and then signed the retirement papers when it ran out.

    2017 Cadillac ATS Performance Premium 3.6

  • imidazol97imidazol97 Member Posts: 27,689
    The STOP game had me at 19 a few times, a 20, and some 30's. It can't be right...
    I sure dont' feel 19.

    2014 Malibu 2LT, 2015 Cruze 2LT,

  • imidazol97imidazol97 Member Posts: 27,689
    I've tried to research how long the "science" says Shingrex is effective and if it needs a booster shot after a while.

    The numbers come up that it's 85% up to 4 years. I'm wondering if a booster shot will be needed if I reach the 4 years from my injection date which I think was 2017.

    All this shingles talk is scaring me. More than the other stuff.

    2014 Malibu 2LT, 2015 Cruze 2LT,

  • jmonroe1jmonroe1 Member Posts: 9,379
    driver100 said:

    andres3 said:

    driver100 said:

    Reaction Time Test

    This simulates you in the driver's seat of a car. You're driving down a road, when you see a big red hand flash in front of you. You have to put on the brakes.

    Then, the Reaction Time Test tells you how old you are, when it comes to driving.

    The test is based on reaction times of 2,000 people ages 18 and over. The Reaction Time Test plotted their reaction times by age; it matches your reaction time to those averages.

    Some of their results may surprise you. The Reaction Time Test found that left-handed people and men have slightly better reaction times than the average person.

    Bet you try it more than once!

    https://www.justpark.com/creative/reaction-time-test/

    https://eur06.safelinks.protection.outlook.com/?url=https://www.justpark.com/creative/reaction-time-test/&data=02|01||1a734affece94189a6a708d8018e8ce1|84df9e7fe9f640afb435aaaaaaaaaaaa|1|0|637261059043764154&sdata=5GKcDM+tISCyhPvDuulVCEooPoJCzBO4yG0Liqen3z4=&reserved=0

    Since I'm left handed I'm exempt from taking the test, you already know I'm better than average.
    You can take it with your right hand. It sounds suspicious to me, not taking the test because you know you are better than average......sounds like a cop out!
    With the speed you drive you should be able to do it in 8 seconds!
    At the speeds that @andres3 drives, too much ground is traveled at those speeds, so even an amazing reaction time ain’t good enough on a public highway.

    jmonroe

    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • sdasda Member Posts: 7,600
    We made a quick 130 mile round trip this afternoon. I was amazed at the traffic and crazy drivers that think they’re on the autobahn or cutting in and out, threading the needle type maneuver. Really? The Q5 was a delight to drive. It is so composed at all speeds and road types. It registered 28.5 mpg on the first leg, and 30.5 mpg on the return trip.

    2021 VW Arteon SEL 4-motion, 2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech

  • jmonroe1jmonroe1 Member Posts: 9,379
    sda said:

    We made a quick 130 mile round trip this afternoon. I was amazed at the traffic and crazy drivers that think they’re on the autobahn or cutting in and out, threading the needle type maneuver. Really? The Q5 was a delight to drive. It is so composed at all speeds and road types. It registered 28.5 mpg on the first leg, and 30.5 mpg on the return trip.

    Not many cars get better MPG when driven in reverse. :o

    jmonroe

    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • abacomikeabacomike Member Posts: 12,388
    dino001 said:

    Here’s a what would you do question.

    I have a Chase Visa card which I’ve had for close to 40 years. A few years ago they jacked my interest rate up to 21% for no reason. Didn’t bother me financially since I never carry a balance but it irked me that they would do that to long time customers.

    As a result I started using the Visa card less and less, favoring the Master Card I got from my credit union. Evidently I haven’t used the Chase card in a year.

    So today I get a letter from Chase saying that because I haven’t used the card they are reducing my credit limit by half ($16,700 to $8,300). Huh? Sounds like a bully tactic to either make me cancel the card or start using it more but who knows what is their true motivation.

    So what would you do? I’ve got an $11,000+ limit on my other card so I don’t really need the Chase card. The only thing I would buy for more than the limit would be a car and most dealers won’t let you charge the full cost. My only concern would be a ding to my credit score for canceling a card with a 40 year history.

    I’m down to deciding whether to just ignore this and continue to make them service my account just for spite or to cut up the card and send it to Chase with a nasty letter about where to stick it.

    Regardless how you feel, keep the card. Rebuild the limit over time by charging here and there and requesting a raise every 6-9 months, or better yet call them now and ask to reverse the decision. There is no need to obsess over the credit score if you don’t want to borrow too much money any time soon, but 40 years card is a good positive.

    BTW, don’t take the whole too personally, banks can only lend so much by regulations, that includes potential credit, too, so they’d rather give more to people they think are likely to use it than freeze the money on people who don’t. No need to become overly indignant over business decision.
    I have an AMEX cash back credit card with a $15,000 credit limit. I used to use it almost exclusively but I got tired of waiting 2 months before I could have access to the cash back - they withhold it for two billing cycles. So I stopped using it and now exclusively use my Chase Freedom card which credits my account on the closing date for all cash back I earned for that month.

    I am sure I will hear from them soon about not using their card but I charge my digital music purchases from the Apple Store on that card - $5.00 - $15.00 a month. I have two other credit cards I don't use, but I was told that when you close an account, credit score can drop 10-20 points depending on how much credit the card had on it.

    Now that I have a $60,000+ car loan which will affect my credit significantly, this is not the time for me to cancel credit card accounts. At least the loan balance will drop significantly over the next 3 years.

    2024 Genesis G90 Super-Charger

  • abacomikeabacomike Member Posts: 12,388
    edited May 2020
    I was researching the capacity of my fuel tank here on Edmunds. It states I have a tank that holds 21.1 gallons. After further review in my owner's manual, it states fuel capacities fo all E Class sedans:

    E350 RWD 17.4 gallons
    E350 4MATIC. 17.4 gallons
    E450 4MATIC. 21.1 gallons

    I double-checked with several sites and all showed the same.

    I do wonder why the E350 tank is only 17.4 gallons - while the E450 is 21.1.

    2024 Genesis G90 Super-Charger

  • stickguystickguy Member Posts: 53,472
    better gas mileage so doesn't need as big a tank I assume.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • explorerx4explorerx4 Member Posts: 20,777
    @kyfdx,
    Just passed 41 years working in software. Seems like plenty long enough. B)
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • abacomikeabacomike Member Posts: 12,388
    stickguy said:

    better gas mileage so doesn't need as big a tank I assume.

    I get about the same fuel economy as the 4 cylinder model. I am averaging 31.6 mpg on interstates and the turnpike at 65 mph. Remember that I have a small V6 (3.0 liter) but with two turbos. The turbos don't kick in very often - and at cruising speeds the turbos are not activated (low rpms).

    2024 Genesis G90 Super-Charger

  • imidazol97imidazol97 Member Posts: 27,689
    edited May 2020
    Some good news. Our favorite Chick Fil A was hit by the tornadoes Memorial Day last year. Reopened in 2 weeks. Then the closure for the health scare came and they've done a great job at moving lots of cars through drive-thru and app pre order service delivered out the kitchen door by the runners.

    23 of their crew celebrated graduation from one education level or another. Their pictures are in the windows in their gowns. And then this was posted on their facebook.




    2014 Malibu 2LT, 2015 Cruze 2LT,

  • driver100driver100 Member Posts: 32,594

    @driver100,
    Job was offshored but I've been thinking about retirement anyway.
    Still get paid pretty much through the end of the year, so I'll have a guilt free summer off.
    Big one is, I have to get healthy but that is going well.
    I can finally be around other people.

    Sounds like a good deal....good luck explorer.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • oldfarmer50oldfarmer50 Member Posts: 24,252
    edited May 2020
    dino001 said:

    stickguy said:

    My boss would send a nice email out but the company would do squatola.

    My school district went one step further and used some arcane rules to screwed me out of about $6500 in unused sick leave pay.
    Sick leave is not earned time, so it is use it or lose it. Vacation is earned, so they have to pay it, but they can do all kind of things, like cap the year over year rollover and forfeit the rest, if not used in that year.
    Our union contract gave us up to 35 days pay for unused sick time upon retirement. We didn’t get any vacation pay. It wasn’t the money it was the principle. Kind of a slap in the face for being a good employee.

    That’s the great thing about being retired, I don’t have to put up with nonsense to support my family any more.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • driver100driver100 Member Posts: 32,594

    The STOP game had me at 19 a few times, a 20, and some 30's. It can't be right...
    I sure dont' feel 19.

    You are only 19 1/3rd of the time........must have multiple personalities. :p

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Member Posts: 32,594
    edited May 2020
    abacomike said:

    I was researching the capacity of my fuel tank here on Edmunds. It states I have a tank that holds 21.1 gallons. After further review in my owner's manual, it states fuel capacities fo all E Class sedans:

    E350 RWD 17.4 gallons
    E350 4MATIC. 17.4 gallons
    E450 4MATIC. 21.1 gallons

    I double-checked with several sites and all showed the same.

    I do wonder why the E350 tank is only 17.4 gallons - while the E450 is 21.1.

    Although you get unusually good mileage the E350 is rated as having higher mileage the E30 gets 23 and 32. The E450 gets 20 and 28. I am wondering if they do mileage tests with a full tank...they probably do. If that is the case, they probably prefer a smaller tank as it will weigh less and make mileage look better.

    I am also wondering, why make a different tank.....it costs more to make it different, but, maybe they don't want longer stops between fill ups on a model that costs less.....greater distance between fill ups might make someone buy the more expensive E450.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • oldfarmer50oldfarmer50 Member Posts: 24,252
    abacomike said:

    dino001 said:

    Here’s a what would you do question.

    I have a Chase Visa card which I’ve had for close to 40 years. A few years ago they jacked my interest rate up to 21% for no reason. Didn’t bother me financially since I never carry a balance but it irked me that they would do that to long time customers.

    As a result I started using the Visa card less and less, favoring the Master Card I got from my credit union. Evidently I haven’t used the Chase card in a year.

    So today I get a letter from Chase saying that because I haven’t used the card they are reducing my credit limit by half ($16,700 to $8,300). Huh? Sounds like a bully tactic to either make me cancel the card or start using it more but who knows what is their true motivation.

    So what would you do? I’ve got an $11,000+ limit on my other card so I don’t really need the Chase card. The only thing I would buy for more than the limit would be a car and most dealers won’t let you charge the full cost. My only concern would be a ding to my credit score for canceling a card with a 40 year history.

    I’m down to deciding whether to just ignore this and continue to make them service my account just for spite or to cut up the card and send it to Chase with a nasty letter about where to stick it.

    Regardless how you feel, keep the card. Rebuild the limit over time by charging here and there and requesting a raise every 6-9 months, or better yet call them now and ask to reverse the decision. There is no need to obsess over the credit score if you don’t want to borrow too much money any time soon, but 40 years card is a good positive.

    BTW, don’t take the whole too personally, banks can only lend so much by regulations, that includes potential credit, too, so they’d rather give more to people they think are likely to use it than freeze the money on people who don’t. No need to become overly indignant over business decision.
    I have an AMEX cash back credit card with a $15,000 credit limit. I used to use it almost exclusively but I got tired of waiting 2 months before I could have access to the cash back - they withhold it for two billing cycles. So I stopped using it and now exclusively use my Chase Freedom card which credits my account on the closing date for all cash back I earned for that month.

    I am sure I will hear from them soon about not using their card but I charge my digital music purchases from the Apple Store on that card - $5.00 - $15.00 a month. I have two other credit cards I don't use, but I was told that when you close an account, credit score can drop 10-20 points depending on how much credit the card had on it.

    Now that I have a $60,000+ car loan which will affect my credit significantly, this is not the time for me to cancel credit card accounts. At least the loan balance will drop significantly over the next 3 years.
    A 10-20 point drop wouldn’t worry me at all. I’m pretty far into top tier credit.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,252
    edited May 2020
    abacomike said:

    I was researching the capacity of my fuel tank here on Edmunds. It states I have a tank that holds 21.1 gallons. After further review in my owner's manual, it states fuel capacities fo all E Class sedans:

    E350 RWD 17.4 gallons
    E350 4MATIC. 17.4 gallons
    E450 4MATIC. 21.1 gallons

    I double-checked with several sites and all showed the same.

    I do wonder why the E350 tank is only 17.4 gallons - while the E450 is 21.1.

    Weight savings I’m guessing. My Mustang has a 17gal. tank but the Kia only holds 12.
    The cargo van holds 30. I haven’t seen a plus 20 gallon tank in a car since the 80s.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • abacomikeabacomike Member Posts: 12,388
    driver100 said:

    abacomike said:

    I was researching the capacity of my fuel tank here on Edmunds. It states I have a tank that holds 21.1 gallons. After further review in my owner's manual, it states fuel capacities fo all E Class sedans:

    E350 RWD 17.4 gallons
    E350 4MATIC. 17.4 gallons
    E450 4MATIC. 21.1 gallons

    I double-checked with several sites and all showed the same.

    I do wonder why the E350 tank is only 17.4 gallons - while the E450 is 21.1.

    Although you get unusually good mileage the E350 is rated as having higher mileage the E30 gets 23 and 32. The E450 gets 20 and 28. I am wondering if they do mileage tests with a full tank...they probably do. If that is the case, they probably prefer a smaller tank as it will weigh less and make mileage look better.

    I am also wondering, why make a different tank.....it costs more to make it different, but, maybe they don't want longer stops between fill ups on a model that costs less.....greater distance between fill ups might make someone buy the more expensive E450.
    The E53 AMG and the E63 AMG also have 21.1 gal fuel tanks.

    2024 Genesis G90 Super-Charger

  • abacomikeabacomike Member Posts: 12,388

    abacomike said:

    dino001 said:

    Here’s a what would you do question.

    I have a Chase Visa card which I’ve had for close to 40 years. A few years ago they jacked my interest rate up to 21% for no reason. Didn’t bother me financially since I never carry a balance but it irked me that they would do that to long time customers.

    As a result I started using the Visa card less and less, favoring the Master Card I got from my credit union. Evidently I haven’t used the Chase card in a year.

    So today I get a letter from Chase saying that because I haven’t used the card they are reducing my credit limit by half ($16,700 to $8,300). Huh? Sounds like a bully tactic to either make me cancel the card or start using it more but who knows what is their true motivation.

    So what would you do? I’ve got an $11,000+ limit on my other card so I don’t really need the Chase card. The only thing I would buy for more than the limit would be a car and most dealers won’t let you charge the full cost. My only concern would be a ding to my credit score for canceling a card with a 40 year history.

    I’m down to deciding whether to just ignore this and continue to make them service my account just for spite or to cut up the card and send it to Chase with a nasty letter about where to stick it.

    Regardless how you feel, keep the card. Rebuild the limit over time by charging here and there and requesting a raise every 6-9 months, or better yet call them now and ask to reverse the decision. There is no need to obsess over the credit score if you don’t want to borrow too much money any time soon, but 40 years card is a good positive.

    BTW, don’t take the whole too personally, banks can only lend so much by regulations, that includes potential credit, too, so they’d rather give more to people they think are likely to use it than freeze the money on people who don’t. No need to become overly indignant over business decision.
    I have an AMEX cash back credit card with a $15,000 credit limit. I used to use it almost exclusively but I got tired of waiting 2 months before I could have access to the cash back - they withhold it for two billing cycles. So I stopped using it and now exclusively use my Chase Freedom card which credits my account on the closing date for all cash back I earned for that month.

    I am sure I will hear from them soon about not using their card but I charge my digital music purchases from the Apple Store on that card - $5.00 - $15.00 a month. I have two other credit cards I don't use, but I was told that when you close an account, credit score can drop 10-20 points depending on how much credit the card had on it.

    Now that I have a $60,000+ car loan which will affect my credit significantly, this is not the time for me to cancel credit card accounts. At least the loan balance will drop significantly over the next 3 years.
    A 10-20 point drop wouldn’t worry me at all. I’m pretty far into top tier credit.
    When my FICO score was pulled by the dealership for my loan application, it was 839. I suspect that will drop into the 700's once the loan is reported to the credit agencies.

    2024 Genesis G90 Super-Charger

  • dino001dino001 Member Posts: 6,191
    edited May 2020
    abacomike said:

    abacomike said:

    dino001 said:

    Here’s a what would you do question.

    I have a Chase Visa card which I’ve had for close to 40 years. A few years ago they jacked my interest rate up to 21% for no reason. Didn’t bother me financially since I never carry a balance but it irked me that they would do that to long time customers.

    As a result I started using the Visa card less and less, favoring the Master Card I got from my credit union. Evidently I haven’t used the Chase card in a year.

    So today I get a letter from Chase saying that because I haven’t used the card they are reducing my credit limit by half ($16,700 to $8,300). Huh? Sounds like a bully tactic to either make me cancel the card or start using it more but who knows what is their true motivation.

    So what would you do? I’ve got an $11,000+ limit on my other card so I don’t really need the Chase card. The only thing I would buy for more than the limit would be a car and most dealers won’t let you charge the full cost. My only concern would be a ding to my credit score for canceling a card with a 40 year history.

    I’m down to deciding whether to just ignore this and continue to make them service my account just for spite or to cut up the card and send it to Chase with a nasty letter about where to stick it.

    Regardless how you feel, keep the card. Rebuild the limit over time by charging here and there and requesting a raise every 6-9 months, or better yet call them now and ask to reverse the decision. There is no need to obsess over the credit score if you don’t want to borrow too much money any time soon, but 40 years card is a good positive.

    BTW, don’t take the whole too personally, banks can only lend so much by regulations, that includes potential credit, too, so they’d rather give more to people they think are likely to use it than freeze the money on people who don’t. No need to become overly indignant over business decision.
    I have an AMEX cash back credit card with a $15,000 credit limit. I used to use it almost exclusively but I got tired of waiting 2 months before I could have access to the cash back - they withhold it for two billing cycles. So I stopped using it and now exclusively use my Chase Freedom card which credits my account on the closing date for all cash back I earned for that month.

    I am sure I will hear from them soon about not using their card but I charge my digital music purchases from the Apple Store on that card - $5.00 - $15.00 a month. I have two other credit cards I don't use, but I was told that when you close an account, credit score can drop 10-20 points depending on how much credit the card had on it.

    Now that I have a $60,000+ car loan which will affect my credit significantly, this is not the time for me to cancel credit card accounts. At least the loan balance will drop significantly over the next 3 years.
    A 10-20 point drop wouldn’t worry me at all. I’m pretty far into top tier credit.
    When my FICO score was pulled by the dealership for my loan application, it was 839. I suspect that will drop into the 700's once the loan is reported to the credit agencies.
    Very high 700s, if even that much.

    2018 430i Gran Coupe

  • snakeweaselsnakeweasel Member Posts: 19,592
    stickguy said:

    my company would laugh if I asked for unused sick or vacation time.

    We get any unused vacation paid out but not any sick time. However unused sick time is credited towards our pension.

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • snakeweaselsnakeweasel Member Posts: 19,592

    Removing a line of credit with a 40 year account age would likely spite you more than them. Leave it be and put a couple bucks a month on it and pay it off.

    That ding is the only reason I don’t cancel. As to using it slightly, what about my righteousness indignation? If I knew precisely how big of a credit hit I would take I might cancel anyway.
    You likely already took a ding when they lowered your credit line, canceling it would make it a bigger ding. I would just let it be and keep the card open.

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • jmonroe1jmonroe1 Member Posts: 9,379
    edited May 2020

    Some good news. Our favorite Chick Fil A was hit by the tornadoes Memorial Day last year. Reopened in 2 weeks. Then the closure for the health scare came and they've done a great job at moving lots of cars through drive-thru and app pre order service delivered out the kitchen door by the runners.

    23 of their crew celebrated graduation from one education level or another. Their pictures are in the windows in their gowns. And then this was posted on their facebook.




    I mentioned in a previous post how long the drive thru line was at the CFA near me. About a week later when I went by it was the same length but it was now 2 lanes that time. As good as CFA is I’d never wait in a line that long and they’d never even miss me either. As for the people that work at the CFA near me, both the kids and adults, they seem to really want to please the customer which is very refreshing in this day and age. I don’t know how they train their people but they do it right as far as I’m concerned. I wouldn’t be surprised if it is a corporate thing with them.

    jmonroe

    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • snakeweaselsnakeweasel Member Posts: 19,592
    driver100 said:

    abacomike said:

    I was researching the capacity of my fuel tank here on Edmunds. It states I have a tank that holds 21.1 gallons. After further review in my owner's manual, it states fuel capacities fo all E Class sedans:

    E350 RWD 17.4 gallons
    E350 4MATIC. 17.4 gallons
    E450 4MATIC. 21.1 gallons

    I double-checked with several sites and all showed the same.

    I do wonder why the E350 tank is only 17.4 gallons - while the E450 is 21.1.

    Although you get unusually good mileage the E350 is rated as having higher mileage the E30 gets 23 and 32. The E450 gets 20 and 28. I am wondering if they do mileage tests with a full tank...they probably do. If that is the case, they probably prefer a smaller tank as it will weigh less and make mileage look better.

    I am also wondering, why make a different tank.....it costs more to make it different, but, maybe they don't want longer stops between fill ups on a model that costs less.....greater distance between fill ups might make someone buy the more expensive E450.
    I am not to sure that a smaller tank would make any noticeable increase in mileage. We are talking about a difference of 3.7 gallons which works out to be an additional 22.2 pounds which is a little over a half a percent weight increase on a 4k pound car.

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • fintailfintail Member Posts: 58,483
    edited May 2020
    Yeah, the weight of 4 gallons of gas would be a microscopic difference in mileage, like a rounding error at the 5th decimal place.

    My W212 E250 Bluetec also had a 21.1 gallon tank. My wagon also has this 21.1 gallon tank. That powerful engine can also eke out respectable mileage - this trip included a mountain pass, stretches of 80 mph cruising, a couple stops, and some slower in-town driving:



    On slower local road trips, it also does fine for something of its weight and performance:



    Of course, that Bluetec could put up some impressive numbers, as it had half the hp of the wagon. I think this was the best one where I remembered to get a pic:




    abacomike said:


    I am also wondering, why make a different tank.....it costs more to make it different, but, maybe they don't want longer stops between fill ups on a model that costs less.....greater distance between fill ups might make someone buy the more expensive E450.

    The E53 AMG and the E63 AMG also have 21.1 gal fuel tanks.

  • explorerx4explorerx4 Member Posts: 20,777
    Those tank sizes would put both models over 400 miles range for their EPA city mileage rating.
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • tjc78tjc78 Member Posts: 17,051
    edited May 2020
    So my kids are 6 and 4 and know other than water or a crunchy snack there is no eating in the car. If they drop the crunchy snack I make them pick it up and toss it away.

    How in the heck do you allow this to happen. Gross.

    https://www.youtube.com/watch?v=_z9Q9X1jHFE

    2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart

  • stickguystickguy Member Posts: 53,472
    some people are pigs and shouldn't be allowed to own a car.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • oldfarmer50oldfarmer50 Member Posts: 24,252
    jmonroe1 said:

    Some good news. Our favorite Chick Fil A was hit by the tornadoes Memorial Day last year. Reopened in 2 weeks. Then the closure for the health scare came and they've done a great job at moving lots of cars through drive-thru and app pre order service delivered out the kitchen door by the runners.

    23 of their crew celebrated graduation from one education level or another. Their pictures are in the windows in their gowns. And then this was posted on their facebook.




    I mentioned in a previous post how long the drive thru line was at the CFA near me. About a week later when I went by it was the same length but it was now 2 lanes that time. As good as CFA is I’d never wait in a line that long and they’d never even miss me either. As for the people that work at the CFA near me, both the kids and adults, they seem to really want to please the customer which is very refreshing in this day and age. I don’t know how they train their people but they do it right as far as I’m concerned. I wouldn’t be surprised if it is a corporate thing with them.

    jmonroe

    The friendliness at CFA is almost scary the first time you experience it. As a New Yorker you’re always on the look out for an ulterior motive.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,252
    tjc78 said:

    So my kids are 6 and 4 and know other than water or a crunchy snack there is no eating in the car. If they drop the crunchy snack I make them pick it up and toss it away.

    How in the heck do you allow this to happen. Gross.

    https://www.youtube.com/watch?v=_z9Q9X1jHFE

    What makes you think it was really the kids who did it?

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • dino001dino001 Member Posts: 6,191
    edited May 2020


    The friendliness at CFA is almost scary the first time you experience it. As a New Yorker you’re always on the look out for an ulterior motive.

    Sell more later? :wink: Increasing profit by better service is probably a novel concept for some. CFA is not publicly traded, it didn’t experience Wall Street analysts asking why employees are paid 10 cents per hour too much, or about costs of those people sent with tablets.

    2018 430i Gran Coupe

  • stickguystickguy Member Posts: 53,472
    impressive job. but almost seems like a waste of time since the owner and piggish kids will just trash it again anyway. Unless she was looking to sell!

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • tjc78tjc78 Member Posts: 17,051
    If you let it get that bad, do you really care? I’m thinking the same, getting ready to sell.

    2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic / 2022 Icon I6L Golf Cart

  • nyccarguynyccarguy Member Posts: 17,528

    I already cleaned out my desk and e-signed my exit documents, so not sure what, if anything, is going to happen on my last day.
    It will be my 25th anniversary with the company.
    Hope my manager doesn't assign me some work. :D

    Congrats @explorerx4

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD

  • graphicguygraphicguy Member Posts: 14,130
    I used to check my credit score about once/mo. Now, I don’t really care. I’ll know if something really screwed up happens with one of my credit cards being stolen, or someone trying to use my bank accounts. My bank has only done it twice, but they’ve caught two “entities” trying to access my bank account that were unauthorized. Both times, they called me (one was someone I knew who tried to alter one of my checks).

    I’ve moved away from my credit cards now that I don’t travel nearly as much, anymore. The only one I use consistently is my Costco credit card. And, I look at each invoice and match it to my monthly receipts.

    I’m actually thinking about dumping my AMEX instead of paying the annual fee and getting down to one credit card (Costco) for whenever I need to use a credit card.

    If I can’t walk into a dealership, with no money in my pocket, and sign for a new car, then I know something’s amiss with my credit report. So far, that hasn’t happened.
    2024 Kia EV6 GT-Line AWD Long Range
  • oldfarmer50oldfarmer50 Member Posts: 24,252
    stickguy said:

    impressive job. but almost seems like a waste of time since the owner and piggish kids will just trash it again anyway. Unless she was looking to sell!

    That van reminds me of a lease return I had to drive from Burlington VT to Albany NY. Looked like bears had been living in it.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • driver100driver100 Member Posts: 32,594

    driver100 said:

    abacomike said:

    I was researching the capacity of my fuel tank here on Edmunds. It states I have a tank that holds 21.1 gallons. After further review in my owner's manual, it states fuel capacities fo all E Class sedans:

    E350 RWD 17.4 gallons
    E350 4MATIC. 17.4 gallons
    E450 4MATIC. 21.1 gallons

    I double-checked with several sites and all showed the same.

    I do wonder why the E350 tank is only 17.4 gallons - while the E450 is 21.1.

    Although you get unusually good mileage the E350 is rated as having higher mileage the E30 gets 23 and 32. The E450 gets 20 and 28. I am wondering if they do mileage tests with a full tank...they probably do. If that is the case, they probably prefer a smaller tank as it will weigh less and make mileage look better.

    I am also wondering, why make a different tank.....it costs more to make it different, but, maybe they don't want longer stops between fill ups on a model that costs less.....greater distance between fill ups might make someone buy the more expensive E450.
    I am not to sure that a smaller tank would make any noticeable increase in mileage. We are talking about a difference of 3.7 gallons which works out to be an additional 22.2 pounds which is a little over a half a percent weight increase on a 4k pound car.
    22 pounds isn't a lot on it's own, but when you do Driver100 averaging and add 20 pounds using aluminum instead of cast iron for some part, eliminate a spare using RFTs etc...you can get up to 200 or 300 pounds. The longest trip, begins with the first step...it all adds up.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • MichaellMichaell Moderator Posts: 263,370
    tjc78 said:

    So my kids are 6 and 4 and know other than water or a crunchy snack there is no eating in the car. If they drop the crunchy snack I make them pick it up and toss it away.

    How in the heck do you allow this to happen. Gross.

    https://www.youtube.com/watch?v=_z9Q9X1jHFE

    I've been watching this guys thread for a few weeks now. He set up the garage in his house to do all his detailing; he posted a video of everything he did. Pretty cool setup.

    But, when he talks about how long some of these jobs take (that minivan was 20 hours), I realize that I don't have the patience to invest that much time into it.

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    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • stickguystickguy Member Posts: 53,472
    If you are getting paid $50/hour it’s easier.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • stickguystickguy Member Posts: 53,472
    I don’t have the patience to do something that over the top either. But of course would never let my own car get that bad.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

This discussion has been closed.