Citibank really, really, really sucks!!!

[timwhit]

I've been pretty happy with CapitalOne 360 (formerly ING Direct). It's all internet based, no branches.

 

[LunarMist]

I prefer local/regional banks with humans, but I only have reason to visit every couple of months.
If you bank online, where are your safety deposit boxes?

 

[ddrueding]

I have never in my life had a safety deposit box.

 

[Stereodude]

I have never in my life had a safety deposit box.

You clearly don't have documents that are as important as Lunar.

 

[timwhit]

I have never in my life had a safety deposit box.

I don't either.

 

[jtr1962]

I don't either.

My neither. I just don't have anything important enough that it needs to be stored offsite. That includes my data. My rationale with my data is I'm almost always home. In the unlikely event something destroyed the house it would most likely kill me. If I'm dead, it doesn't matter if my data survived or not. If there's something like a fire, I have more than enough time to grab the metal box containing my thumb drives. Heck, I might have enough time to grab my entire PC. Or more likely, I would be able to contain the fire before the fire department comes.

Based on what I see, most of the time safe deposit boxes are used for storing valuables like jewelry, gold, or lots of cash. I don't have much of any of these things at home.

 

[LunarMist]

My neither. I just don't have anything important enough that it needs to be stored offsite. That includes my data. My rationale with my data is I'm almost always home. In the unlikely event something destroyed the house it would most likely kill me. If I'm dead, it doesn't matter if my data survived or not. If there's something like a fire, I have more than enough time to grab the metal box containing my thumb drives. Heck, I might have enough time to grab my entire PC. Or more likely, I would be able to contain the fire before the fire department comes.

Based on what I see, most of the time safe deposit boxes are used for storing valuables like jewelry, gold, or lots of cash. I don't have much of any of these things at home.

Would you if you were away for months and/or and relocated from time to time in and out of country?

 

[jtr1962]

Would you if you were away for months and/or and relocated from time to time in and out of country?

I'm not, nor would I ever see any scenario where that would happen.

 

[LunarMist]

You clearly don't have documents that are as important as Lunar.

Maybe you have a little bullion?

 

[ddrueding]

I have a fire safe, and every document in it has been scanned and encrypted copies of those folders exist in different systems around the globe. The cash would likely survive, and the jewelry sure would. Removing the safe would require demolition of the house; it was put in first

 

[LunarMist]

Sure, that works.
BCH

 

[sechs]

I have a fire safe, and every document in it has been scanned and encrypted copies of those folders exist in different systems around the globe. The cash would likely survive, and the jewelry sure would. Removing the safe would require demolition of the house; it was put in first

So, if your house burns down, you're fucked?

 

[Stereodude]

So Citi apparently can't send me the final statement on my account either. It's been two weeks and I still don't have it. This is more than slightly ironic since I skeptically asked the call center idiot if they could actually get it to me due to their address incompetence. Of course they assured me they could.

 

[LunarMist]

So, if your house burns down, you're fucked?

I'm sure that would never happen with all his electrical stuff and home repairs.

 

[LunarMist]

So Citi apparently can't send me the final statement on my account either. It's been two weeks and I still don't have it. This is more than slightly ironic since I skeptically asked the call center idiot if they could actually get it to me due to their address incompetence. Of course they assured me they could.

What if you tell them you moved again? Maybe that would trigger a change?

 

[ddrueding]

So, if your house burns down, you're fucked?

Not sure how you came to that conclusion. You know what a fire safe is, right? Particularly effective if set into concrete, which is set into the ground.

 

[LunarMist]

It would have to be a damned major conflagration. :lol:

 

[ddrueding]

The large LiIon cells are in their own fire safe in the garage

 

[LunarMist]

What could go wrong?

https://www.youtube.com/watch?v=UxJBRK2EXFc

 

[jtr1962]

Not sure whether to put it here or in the something random thread but I hit the magic number on my FICO score:



I had been hovering near this mark for a while but never quite reached it. I figured it was unreachable. I guess not.

 

[snowhiker]

Not sure whether to put it here or in the something random thread but I hit the magic number on my FICO score:

View attachment 1153

I had been hovering near this mark for a while but never quite reached it. I figured it was unreachable. I guess not.

You have me beat. Perhaps your new 6-figure salary has something to do with it?

 

[jtr1962]

You have me beat. Perhaps your new 6-figure salary has something to do with it?

View attachment 1154

Maybe that's a factor. I have a very low credit utilization rate and I always pay my balance in full each month. I've been doing that since I've had credit cards. Also, I've had most of my cards for years. The oldest was issued in 1989. I guess as my income increased my credit utilization relative to my income dropped to levels where I wasn't considered a risk at all.

 

[LunarMist]

My credit keeps dropping, though my income is increasing overall.

 

[Stereodude]

You have me beat. Perhaps your new 6-figure salary has something to do with it?

Uh, how would they know? Who reports your salary to the credit reporting agencies?

 

[LunarMist]

Uh, how would they know? Who reports your salary to the credit reporting agencies?

Perhaps he applied for a loan to get the Escalade.

 

[sechs]

Not sure how you came to that conclusion. You know what a fire safe is, right? Particularly effective if set into concrete, which is set into the ground.

Even assuming that your safe survives the fire (most aren't designed as such), it's now buried in the ruble that was your home.

 

[ddrueding]

Loss of the safe isn't relevant, and they are designed to preserve the contents. I have easy access to bulldozers.

 

[jtr1962]

Doesn't your company sell these?

https://3sr05l2l7ihe1u4u613nqp53-wp...tent/uploads/2016/03/Schaufelradbagger_01.jpg

 

[ddrueding]

Those are awesome. But I did just climb out of one of these:

http://www.cat.com/en_US/products/new/equipment/dozers/medium-dozers/18580079.html

 

[jtr1962]

Cool. That looks like it could level a house in seconds.

 

[sechs]

Loss of the safe isn't relevant, and they are designed to preserve the contents.

Well, if you lose the safe, you lose the contents. Few fire safes would last through a fire that takes down a house.