u/ItsThePhoenixClub

I moved to the US from the UK in 2023. As many of you probably know, when you move countries your credit rating basically resets to zero. I'm still trying to build some semblance of a decent credit rating, but it's taking longer than I anticipated (more of a longevity issue in my case). However, I do have a long history of good relationships with landlords, both in the UK and, for the past three years, the US. Never been behind on rent.

Just wanted to get a landlord perspective on whether or not this would be enough in most cases, without the credit check element. I'm assuming I'd have to avoid agencies as credit checks are an integral part of their vetting process. But if you're an independent landlord who doesn't use agency management, what do you prioritise with a prospective tenant in terms of checks?

I guess this is more a "heads up" to other creators than a rant.

I ran a promotion for 50% off annual top tier membership to my email list. What I didn't realise is that existing lower tier members would not be able to see the discount code option at checkout. That's not a huge issue - I was mainly trying to get brand new members anyway.

One lower tier member emailed me and raised the issue of not being able to use the discount code. I remember in the past I was able to offer partial refunds to annual members through the Relationship Manager. So I offered them a partial refund, in line with the discount (plus a little extra for their trouble) if they upgraded.

Turns out the partial refund option was no longer available in Relationship Manager. It was nowhere to be seen. So I just ended up refunding the full amount and offering a gift link to the higher tier. The member has paid a lot over the years so I'm not too concerned about the free upgrade.

Is there anything I'm missing here? Where has the partial refund option gone for annual members? I only used it once before, but now it appears to be full refund or nothing.

I tried to donate at CSL in 2024. Like many, I was deferred because I had been resident in England from 1984 to 2023, even though the FDA had removed the CJD related guidelines in 2022. I'm guessing there's a delay in centers changing their rules in line with the FDA.

Just wondering if it's worth trying again in 2026? You can't get a straight answer on the phone, which I understand. I just don't want to waste time only to be deferred again if this particular question is still on the screening.

Cheers my dears.

I thought I'd opted out of this when I opened the account because I didn't fully understand it and couldn't see anything on the app to suggest I was enrolled - just looked like regular checking. But today I received an email saying I have a credit card balance due. It's only $27 so not a big deal, but I don't understand where this bill comes from.

I only spent within what I deposited for the past three months of having the account and every purchase was deducted as expected from that deposited balance. So where does this statement bill of $27 come from?

There's something I'm clearly missing here in how Chime works. I got the new account bonuses (really impressed with how quickly they came through) so I'm not so bothered, just curious about how you can be billed when not in debit.

Edit: this thick head is now around it thanks to an esteemed commenter!