CWCki Forums posts (other users)

This page is an archive of other users' key posts about Chris on the online forum CWCki Forums. Posts are sorted by date.

Chris and his finances: An in-depth review of his debt

4 June 2014, by Sage of the Desert

I’ve been lurking and watching the sagas of Chris since 2010, but during the last month or so I got bored and decided to do some data gathering from the forums, public records, online, and from various other sources pulled with valid permissible purpose to create a rough idea of just how deep Chris is in debt. I hope to keep the data I present as free from bias as I can. It will be up to you all to interpret what any of it means. The following is what I have found. Disclaimer: All numbers are rounded or approximate. Information was gleaned from multiple sources, some of unverifiable veracity. While I have done my best to make sure all information here is TRUE and HONEST, the intent is to get a general picture of Chris’s financial habits based on his credit card spending, not to be a comprehensive list of his finances. If I have missed any data you feel is relevant, or if you have updated data to add to this list, feel free to mention it. The data: Credit Cards Capitol One – Limit ~$3000 - Current status: Maxed out - Min payment: ~$80 Target – Limit: ~$2000 - Current status: Maxed out - Min payment: ~$60 Walmart - Limit: ~$1300 - Current Status: Maxed out - Min Payment: ~$40 Toys R Us - Limit: ~$1100 - Current Status: Maxed out - Min Payment: ~$40 Bank of America - Limit: ~$200 - Current Status: ? - Min Payment: ? (To my knowledge, this card is not closed, but is not being used.) The cards listed as maxed out have reached the limit, and very often have gone over that limit by almost $100. These statuses are at least a month old as of this writing. Closed Cards Best Buy – Limit: 2500 - Current Status: Closed - Min Payment: ? 2nd Capital One – Closed First Premier Bank – Closed before 2010. Shared with parents. Sam’s Club – Seems to have been shared with his parents. Now closed as of 2013. Paypal – Chris had at least 2 of these accounts. Both of them were closed before 2010. TLDR version: Chis has at least $7300 of unpaid credit card debt to his name that I can confirm. He likely has much more. He must be spending at least $220 a month in order to keep up with the minimum payments alone. As far as I know, the 4 cards with the most debt do not have any co-signers. Most of the closed cards did. As of this moment I do not know how much he has in his bank/paypal accounts, as this data is difficult to acquire legally. One thing to take into consideration is that he always manages to make the minimum payments every month, which explains why he has credit to begin with. Very few of his accounts are being reported with any late payments or other derogatory information. On an odder note, at least one of his creditors has him listed as Christia Westonchandler.