Why should I use a mosfet if I can get the exact same result with a far more tactile switch ? <| sep |> just for the record . Jammer was up . I just hadn ' t waited for their cyno to go down . Which was my big mistake among others <| sep |> Tried switching in an out of Google play . even reconfigured my account settings just to make sure I am using the same mobile number , and it ' s billing that said number . So far the problem still persists . I ' d like to think this is an issue on Smart ' s side . <| sep |> whosampled . com didn ' t help , you might need to look for a similar sound in other songs <| sep |> I like money <| sep |> Are you buying a car or a house this month ? Are you leasing an apartment or applying for a new job ? If not , don ' t worry about your score . Arrange your finances so that your credit history , from this point forward , doesn ' t get any hits . YNAB is your tool to help do that . Pay all your bills , like you have been . Then put a bit in a buffer savings goal , but devote most of the ' extra ' to paying down your cards . Start with one . Pay minimum on any others and devote as much as possible to the one you ' re paying down . Research debt snowball or debt avalanche . Also , look for places in your spending which are beyond your means . You mentioned streaming subscriptions and eating out . Places where we as Americans have been conditioned to spend more than we should cars , mobile phones , cable , gadgets , entertainment . There ' s some good info about frugal living in the FIRE community . rfinancialindependence .