xxx

[xxx @olimpico71]

@ValentinaForUSA @LauraLoomer She is disgusting 🤮

[xxx @olimpico71]

@DailyCoachPicks @AustinChronicle @AustinFC You half brain idiot, it's a MLS issue not Austin fc issue - it's a league rule for Austin FC or any team to not make statements

[xxx @olimpico71]

@76stacc Get a job

[xxx @olimpico71]

@TizzyEnt Patriot.

[xxx @olimpico71]

@GullahCorridor @yayafrost @rolandsmartin Imagine if she just got a job. Literally anything but get a job here. Lol

[xxx @olimpico71]

@yayafrost They do anything but get a job, don't they

[xxx @olimpico71]

@DissidentDairy @HamadryasP @LeftismForU Why is it the worst housing market in the nation?

[xxx @olimpico71]

@WomenAreFedUp @BNONews Yes we do

[Brandon Walker College Football Show @BFWshow]

“He’s got oil, I’ve got chickens”

John Tyson was asked why he can’t fund an Arkansas Football team like Cody Campbell fans fund a Texas Tech team

[xxx @olimpico71]

@KVUE Already know the skin tone without even looking into who did it and who then victims were.

Can't have more than 4 in a place at a given time or else it gets dangerous

[xxx @olimpico71]

@VinnyMartorano Lol zilker park is ruined until about May of 2027. Move the festival to Cota

[xxx @olimpico71]

@_halkyofu_ Pretty good tits on her

[xxx @olimpico71]

@BarstoolCajuns what kind of loser actually 1) calls it HOCO and 2) gives the slightest shit about "HOCO" after age like 15 years old?

That's cuckery in its truest form.

[xxx @olimpico71]

@TheFalseNineTX @AustinFC @MLS Can we abolish the trans flag and all the other gay stuff as well

[xxx @olimpico71]

@OhioTate Get better mintzy

[hunter @hxxntrr]

"just pay your credit card bill on time and your score will go up"

no mf

call your credit card company right now and threaten to leave. they'll hand you hundreds to thousands in savings in 15 minutes

you're paying 25.24% APR, a $95 annual fee, and getting 1% cashback on a card you've had for 3 years

(that APR went up a quarter point this week btw. the Fed hiked, your rate is pegged to it, and they don't have to send you a letter)

meanwhile banks are spending $300-$500 to acquire each new customer

you're sitting on real negotiating leverage and you're not using it

the breakup call script:

call the number on the back of your card. say: "I'm considering closing this account. I've received better offers from other banks and I'd like to know what you can do to retain me as a customer before I make my decision"

they'll transfer you to the retention department. these people have a budget to keep you. they can do things regular reps can't:

- waive your annual fee (save $95-$895/year)
- lower your APR (average cut is about 6 points according to LendingTree)
- add bonus points or cashback as a retention offer
- wipe late fees from the past 12 months
- upgrade your card to a better tier for free

the success rates are insane. according to LendingTree surveys:

- 76% of people who asked for a lower APR got one
- 93% who asked for a waived or reduced annual fee got it
- 81% who asked for a late fee removal got it

the negotiation, in this order:

"what's the best APR you can offer me?" if they say 19.99%, say "I have offers at 15.99% from [competitor]. can you match or beat that?" they usually come down another 2-3 points

"can you waive my annual fee this year?" if they say no: "I've been a customer for [X] years and I'm looking at [competitor card] with no annual fee. I'd rather not close my oldest account but I can't justify the fee"

"I noticed a late fee from [month]. I've been a reliable customer for [X] years. can you reverse that as a courtesy?"

"are there any retention offers available on my account?" this is where the 10,000-30,000 bonus points come out just for asking

the line that finds money when they say no: "I understand. can you note on my account that I asked, and transfer me to someone who can close it?"

what you can realistically save per card:

annual fee waived: $95-$895
APR cut on a $5,000 balance: $250-$750/year
late fees reversed: $29-$40 each
retention bonus: worth $100-$300

do this for every card you have. most people have 3-4

and if they won't budge? move the balance to a 0% transfer card and leave the old card open at $0. keeps your account age, kills their interest. you weren't bluffing. you were negotiating

one call. 15 minutes. real money back in your pocket

you've been overpaying because you never asked them to stop

(if you need to fix bad credit to get the 0% transfer cards and the top cc offers, link in bio. 30-90 days)

[xxx @olimpico71]

@MollySnapped @FreddyLA7 Same.

Retard 🤝 retard

[xxx @olimpico71]

@MollySnapped @FreddyLA7 Molly I'm sorry but you are retarded

[xxx @olimpico71]

@FreddyLA7 Fuck Freddy. My best friend is from Fairhope and had done more than this Jew and he doesn't have a key