this post was submitted on 25 Jul 2025
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Ye Power Trippin' Bastards

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This is a community in the spirit of "Am I The Asshole" where people can post their own bans from lemmy or reddit or whatever and get some feedback from others whether the ban was justified or not.

Sometimes one just wants to be able to challenge the arguments some mod made and this could be the place for that.


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I saw this post titled "Scratch a anti-harm reductionist and a fascist bleeds" (https://lemmy.world/post/33320759)

I commented that "harm reduction" apparently means sending billions in weapons to israel while they commit genocide and shutting down campus protests speaking out against that genocide. I said that seemed pretty fascist to me.

Within an instant, they downvoted my post and banned me. Guess it's my fault for posting in a circlejerk community, but I'm still scratching my head on how that makes me a tankie. Something tells me this mod would be calling in the tanks to suppress any dissent if they could.

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[–] subignition@fedia.io 12 points 1 week ago (1 children)

This tangent you've been dragged on is so, so irrelevant to the thread, but I wanted to chime in with a couple bits of info that might be genuinely helpful to try to counterbalance the "lmao u doin it wrong and lyin" troll

First - Even if you pay your statements in full to avoid interest charges, the amount of utilization on the card at the time the report is made to the credit bureau is what affects your score. As silly as it seems, even 10% utilization can bring your score down. I have seen it recommended to stay under 8% or around 6%. So one thing you could do is make a payment a couple days before your statement period ends to fine-tune the balance down to something that will look attractive on your credit report. If you are already able to pay things off in full, this should be doable with minimal shuffling around. Utilization doesn't have "memory" so one bad month is not going to drag your score down for a long time.

Second - If you have or can get a credit card with a decent cashback or rewards program, you might be able to put some of those larger transactions on the credit card and come out ahead even with the fees. This is going to be highly sensitive to the specifics though and the card usually needs to have no annual fees or it eliminates the possibility.