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Mercury Casualty Company; Credit Declined

November 15th, 2013 at 08:31 am

Since my last post, I have received the written policy quote for my new homeowner's policy via e-mail. The company is Mercury Casualty Company. The quote is for $579, slightly higher than the $575 I reported earlier.

While she was at it, she went ahead ahead and quoted me auto from Mercury as well. The quote was for the same exact coverage I have now, and is $483.90 for 6 months. In August, I paid $532 to Allstate for 6 months. So I believe I will switch that to Mercury as well. Although, I do need to check if my Allstate policy uses straight-line or sum of the years digits when calculating refunds. If it uses SOTYD, it will cost more to cancel and start a new policy than it will to just let the current one run out, and switch at renewal.

I got paid yesterday, did my banking, did a wallet sweep and sent $4 off to my mortgage.

MrsM180 paid me $300 yesterday for November. I used the money to make an extra payment to my electric company. Because my electric usage has increased with 2 additional people in the house, I am expecting a large jump when my balanced-bill-pay plan is recalculated. Paying an extra $300 now means it will jump less. I plan to do this next month, too.

I used my Barclay's NFL rewards Visa to pay the additional $300, and that put my activity over $500. When I receive my first statement, I will have earned my $100 bonus. Now I just need to wait to be able to redeem my rewards, then I will close the account. Well, that and the small matter of paying them. Big Grin

Yesterday I applied for a Citi Dividends Visa which offered me the same deal, spend $500 in the first 3 months, receive a $100 bonus. This card features rotating 5% bonus categories each quarter, just like Chase Freedom. If I am approved, I just may keep that card permanently, to take advantage of the 5%.

Why would I not be approved? Well, I was recently declined by the SwagBucks Visa. I could not believe it! It seems I have opened too many new accounts of late, and may need to wait for some of my hard pulls to drop off. I can't recall the last time I was declined for credit! I am certain it has been more than 20 years.

I still have a few November bills to pay, but it is looking as though my checking account sweep this month will be fat. I will leave $600 instead of my usual $500, since my 11/29 paycheck will be for 10 days instead of 11. Even so, I expect to have about $300 to sweep. Smile It is nice to see my penny-pinching rewarded this way.

J is asking some girl to the winter formal today. He was so nervous this morning. He made a sign on poster board which reads "K, will you go to winter formal?", and he brought a rose and some chocolates. How sweet is that? How will the girl resist? I told MrsM180, I hope she says yes or he will be crushed. MrsM180 confided that the girl has hinted heavily she wants him to ask her, but he is nervous just the same. I've been working at my second job this week, so have been getting home late each night. I have missed the unfolding drama. Thank goodness MrsM180 keeps me in the loop.

1 Responses to “Mercury Casualty Company; Credit Declined”

  1. FrugalTexan75 Says:

    It sounds like J knows how to win a girl's heart Smile

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