tax topic 152 refund information 2021

Your 2022 Tax Return is Not Processed Will My 2023 Refund Be Delayed? I have hidden it with yellow color in my screenshot :). My tax topic came back yesterday and my refund amount is gone, Nope it didnt.. I filed Jan 28, 2021 Dont contact the IRS unless you mailed your return six weeks ago or your e-filed return was accepted at least 21 days ago. You can find more information about ithere. Note that as in previous years, if you claimed the Earned Income Tax Credit (EITC) or the Additional Child Tax Credit (ACTC) your refund may have been delayed beyond the standard processing times due to the PATH act provisions. Im in same boat was accepted Feb 14th same day as my ex she got hers back in 2 weeks but yet Im the one who has children and they on my return. 32813 Middlebelt Rd Suite BFarmington Hills, MI 48334855-900-1040Michigan Law Office, 4005 Guadalupe St Suite CAustin, TX 78751Austin, TX Law Office, 2022 Silver Tax Group. Why Is My Refund Still Processing After 21 Days? Tax Topic 152 is related to refund timing. Tax Topic 151 vs 152 notice. Includes a claim filed for an Earned Income Tax Credit or an Additional Child Tax Credit. This question comes up a lot and I have seen a few comments on this suggesting that that if you can see current tax season processing details on your (free) transcript then your refund is on the way. Got a letter from IRS 3/11/21 saying I needed to send my 1095-A form and fill out the 8962 form. We are having the same problem. Received a ID verify letter 2 weeks ago and verified online. Now I understand why people are avoiding paying taxes period . By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. directs you to contact us. We need our money and it is ridiculous that we have to wait so many weeks for them to get their stuff together. People who file their tax returns early may have to wait until the first week of March to receive their refunds if they include an Earned Income Tax Credit or an Additional Child Tax Credit. 2023 IRS Refund Standard Processing Schedule. . Talk to your accountant, tax advocate or tax professional if you are not clear on what the IRS is asking for or you dont get an update after 21 days. Generally you will have to wait up to 16 weeks more for the IRS to process amended returns since they prioritize regular returns. The IRS began processing on February 13th and we are now at April 18th. I need that money to live on and pay my bills but evidently they dont care. When you check the online tool, the agency will inform you if you need to contact them about your tax return or refund. Please see this posthereby ToddL99 for further explanation of why returns are delayed. My federal was accepted in 2/12 via TurboTax. I filed mine on 2/6 and it still showing pending with no information. Is tax topic 152 something to worry about? Next, press 2 for all other questions. Its awful for some whom depend on it to get caught up on bills, vacay for kids promised, single moms. 161 says your refund has been . Awesome! Have gotten no notice they need anything and status still says still being processed. I am a teacher, single mom of 3 and I could really use my money to pay bills. Since then they have been in processing. I call and speak to a rep almost every other day to figure out what is going on. My return is very simple and straightforward, one person wrote. Durch Klicken auf Alle akzeptieren erklren Sie sich damit einverstanden, dass Yahoo und unsere Partner Ihre personenbezogenen Daten verarbeiten und Technologien wie Cookies nutzen, um personalisierte Anzeigen und Inhalte zu zeigen, zur Messung von Anzeigen und Inhalten, um mehr ber die Zielgruppe zu erfahren sowie fr die Entwicklung von Produkten. Use the Wheres My Refund? tool to start checking the status of your refund 24 hours after #IRS acknowledges receipt of your e-filed tax return. So Im looking at Mid May. Im here to tell you that I have already hit the point of having to use credit to pay my bills waiting for these payments. I am just glad the status changed and I was approved . Im stage 3 cancer with types of cancer and cant even get a decent insurance because I work. So what does it mean if you see Topic No. Looks like a whole lot of us are in this same boat. Im now fixing to have to deal with this all over again with these people is the way it seems. If you need to know what "Tax Topic 152" means, perhaps youre one of the taxpayers who filed early and saw a vague message on the IRSs Wheres My Refund website. Have patience you say? Ive been able to get my transcripts all along as well so thats definitely got nothing to do with there little way of holding tax payers monies! We put together a list of common errors and issues, you can check it out here: IRS Where's My Refund Common Questions. This has never happened to me. A Tax Topic 151message simply means that youre getting a tax offset which may result in your refund being less than you expected. Here we'll take a closer look at both of these options. Get the latest money, tax and stimulus news directly in your inbox. There is always the possibility that some tax returns will require additional review delaying your tax refund, especially in light of changes made to several credits for the 2021 fiscal year. Since the IRS hasnt updated my 2019 or 2020 bank information, I cant receive the stimulus. We have filed taxes for the past 9 years, and normally have our refund by the third week of February to the first week of March. Its a beautiful place affordable in this market and safe. Glad to hear that someone has progressed beyond the abyss of non information. Id like to be able to keep my home for my children, but if my refund does not come soon im looking at losing everything! Sometimes, when we are still reviewing your return, instead, it will display instructions or an explanation of what we are doing. I.e accepted by the IRS via the WMR tool and status is equal to Return Received. Topic No. Unbelievable. This is just crazy! So frustrating that they cant even give us a general time frame or update. My ex didnt even put our son on his and hes already received his return within 2 weeks and he filed 3 weeks after I did. Refunds related to injured spouse claims and tax withheld on Form 1042-S may take even longer to process. All or part of your refund may have been used (offset) to pay off past-due federal tax, state income tax, state unemployment compensation debts, child support, spousal support, or other federal nontax debts, such as student loans. And I checked my status daily it keeps saying same thing, process is passed the timeframe and I have topic 152. YES, ITS COMPLETELY FREE. Been accepted since February 13th 2021. I see Im not the only one frustrated and irritated by madness. Both my husband and Is (with Child Tax) and my sons (with EIC) returns were filed on February 2 and accepted on February 12. My apologies but where have you aliens been the past 365+ days the whole processes of life has taken a delay and not to mention that many many many people have lost their livesa little more sensitivity, compassion, and yes most importantly PAITENCE please. Press 2 for personal or individual tax questions. Gives me a little hope that mine will change soon. I never had a tax topic. Its ridiculous. You will need to give the IRS at least 21 days to process your filing after submitting it electronically before inquiring about your refund. I feel like we all deserve some sort of compensation!!!! My return is about as simple as one can get and I got the same message you guys did.. As many folks have commented, the WMRtracker statusbar may disappear or not be shown if your return falls under IRS review after it is received (StatusBar 1: Return Received) because additional information is needed for your return. How do you check that. And yep, my whole refund was taken by the government for my student loans. Rent and bills buy kids food and few items they need gas for car then broke. My federal refund with EITC was accepted 2/10/21 and my state was accepted 2/12/21. Tax topic 152 is just general information about the IRS processing of returns. Theres a 6-month backlog of paper returns message that now displays when visiting the irs app or website. Seems weird to me that the majority of the people still waiting are those who were accepted between February 12th & February 16th. Filed February 12th, Accepted February 13th. Some one please let me know if you or someone you know gets that code and finds a solution or get their money and how long it took. Im not going to call again, it was extremely hard to get through anyway. Did you have child credits also? 152 is an IRS resource that outlines possible reasons for tax return delays. There are other factors that can further delay the process. IRS Debt Forgiveness With A Offer In Compromise. I have a no idea when my refund will come if it does but it looks like it will be just getting me back to even. Wheres my refund finally updated over night Last night (3/25/21) from return is still being processed to return is being processed. We issue most refunds in less than 21 calendar days. This is so frustrating. Mine switched from processing to approved today and my refund date is May 19th. It simply means the IRS systems have identified you are claiming the (EITC) or the (ACTC) on your tax return, and so further processing and payments related to your refund are held up for the statutory hold period (3 weeks after the start of tax season). The IRS will never call, nor use email or social media to get in touch with you. Daten ber Ihr Gert und Ihre Internetverbindung, wie Ihre IP-Adresse, Browsing- und Suchaktivitten bei der Nutzung von Yahoo Websites und -Apps. A hard to come by unit. On a different note I got a letter from the IRS stating that I needed to verify my identity. The IRS telephone number is 1-800-829-1040. Common IRSdo something about this please. Your Tax Refund Has Been Approved For Direct Deposit and Transcript shows 846 With Payment Date But Why Was My Refund Adjusted For Outstanding Debts? How did you reach a person? I efiled our taxes on eztaxreturn site on Feb 14. Bars have disappeared. I am sick of this mess I didnt even receive a single CTC payment last year because of the mess with my refund! One of the more common questions refers to Topic 152, and this simply means that you are going to get a refund. Been more than 21 days still waiting. Notify me of follow-up comments by email. I did have my return reviewed last year and it was almost 4 months before I received my refund. and it will ask you a few more prompts and connect you to a real person. See If You Qualify For an IRS Hardship Program. A week or two prior to the IRS officially accepting and processing tax returns (Jan 23rd this year), they will often run several test batches with various major tax software providers to test and verify their systems are integrating externally and processing returns correctly. 24 hours after e-filing a tax year 2022return, 3 or 4 days after e-filing a tax year 2020or 2021return. This is last year I ever file Im doing tax exempt from now on and they can come after me to get paid. I spent my last 11 years at the I.R.S. That apparently verifies I am myself and got a Thank You & told that I should have my return in about 9 weeks Ill believe it when I see it. While the above IRS refund schedule can give you an estimated date for you refund once approved (WMR/IRS2Go status) by the IRS, it may take a while to get there. See Q&A below. Had a Tax Accountant do my taxes like every year, and always have received my refund in two weeks. please say you did that will give me some hope!! we are supposed to move in April15. This tax season, like the last one, will be challenging as the IRS deals with a historic backlog of around 24 million individual and business 2020 tax returns that still need to be processed that were filed last year. gain. That happened to me one year. I still have not received my 2019 tax refund. Not accepted until Feb. 12. Hello what do you mean both are in last stage on bars? I got this added to my still processing 2 days ago and woke up to my bars and DDD this morning. An official website of the United States Government. Many different factors can affect the timing of your refund after we receive your return. Tax Topics Explained. Only thing changed from last year is my address. I didnt have to amend. What is Tax Topic 152? Paper filed returns can take considerably longer and could take 1 to 2 weeks longer than the direct deposit payment dates. Sometimes a few days, but it could take longer. They would have jobs filled so fast and at least get things on track for future. Something has got to be done about this..We can not be in the minority where this is happening.I am a single father of 4 after losing my wife to a tragic car accident 4 years ago and raising 4 teenagers is extremely difficult financially so i quickly got my documents together and filed my taxes on 2/1..started checking the IRS app and around 2/14 it said electronically it has been received..around 2/28 i started checking again every single day and now it is 4/2 and it is still showing still being processed Topic 152.i check the mailbox everyday for any document sent by the IRS that they need further information to verify my identity but nothing ever comes in the mail.How is this even fair that this can happen?? its our money and we cant even get it or our questions answered. My refund will go towards taking care of the debt accrued, but it still wont get me back to 0. Mine was received March 10th, still nothing. However, this year I filed 3/23/21 through Turbo Tax, same way Ive filed for 15 years, return was accepted same day within 2 hours and I checked both my Federal and State ( South Carolina) both are in last stage on bars.. with federal DD date of 3/31. The is especially the case if your refund processing has been stuck for a while. I am an Enrolled Agent. WMR on IRS.gov and the IRS2Go app will be updated with projected deposit dates for most early EITC/ACTC refund filers by February 18. 3rd stimulus payments went out today. Im owed Im owed jjjj. This is not right. There is no reason not to have the return paid yet. I think Congress needs to investigate this! Please clickherefor IRS contact information. SC updates every Wednesday and usually is within 2 days of Fed DD, consistent with my returns in the past. Can the accept something and then not approve it? That ran out well before tax season. After reading all of the above comments I am pretty depressed. Here are some of the main subjects covered in Tax Topic 152: The IRS issues most refunds in three weeks or less, but refunds from amended returns typically take around 16 weeks. My federal refund was accepted 2/10/2021and it says still processing tax topic 152. Also, if you're concerned about a generic message that says "Refer to Tax Topic 152", all that means is check out these tips about getting your refund. The IRS says that most refunds will bepaid within 21 days, which includes accepting, processing and disbursing the payment via direct deposit or check. call the 800 number that ends with 1040 or whatever, and when asked for your ss # enter nothing. Im Living in the streets out here they dont care as u can see im one of them. I was waiting, waiting, waiting, and then called this number to check if I had an offset. We have 4 small children and this is beyond ridiculous. Absolutely incompetent! The IRS is very clear that just being able to see processing details on your IRS transcript does not mean you will imminently be getting a refund and is among the common myths and misconceptions repeated in social media. Accepted 3/16/20. Filed March 4th accepted, processing as of March 11, I checked my electronic filing and the recovery rebate was zero, all social numbers were correct and dependents are correct. Today is 4/23 and still says in process on IRS ap. Checking refund status it refers me to tax topic 152 refund information. The correspondence also tells you of your right generally to request a conference with an Appeals or Settlement Officer, as well as how to make your request for a conference.. My siblings and almost everyone I now filed their taxes two weeks after me, at the end of April 2021 and have already received their refunds, and I am still waiting on mine. We have your tax return and are processing it. Tax Topic 152 simply means that your e-filed return is being processed and that the government hasn't approved or rejected it yet. Wheres My Refund? Refund Information (Tax Topic 152) IRS2GoApp. What happens if Im in the same boat but none of those issues. filled July 2020. This is the first ever for mine to take this long to be refunded. Pharmaceutical company Eli Lilly to cap insulin prices at $35 per month in US, How long is Spring Break for universities and colleges? This is OUR MONEYwe overpaid in our taxes and we NEED OUR MONEY now.not when someone decides to take a look at it. Your status, for example, will show received if the IRS has your return but is still processing it and hasnt approved the refund. The IRS issues more than 9 out of 10 refunds in the normal time frame: less than 21 days. The IRS cautions that it is taking the agency longer than normal to issue refunds, in some cases up to 120 days, for those that claimed the Recovery Rebate Credit, Earned Income Tax Credit and Additional Child Tax Credit. this weekend. Guess what? What a joke. Jesus Take the wheel!! I got my refund finally yesterday with interest I might add. I have talked to an actual person twice. My husband and I filed our taxes on January 30th and they were accepted on Feb. 13th. No phone supportno answers why its delayed..Its really frustrating because this money would really help with the impact the COVID has had on our family. This is after being accepted February 13, 2021 & finally getting the only bit of communication from the IRS on May 1st, 2021 stating that I needed to verify my identity. Offers may be subject to change without notice. I have a single 1099-G no special deductions of any sort. The only payments made were through taxes taken out of my paycheck so I sent a copy of my W2. But may be you will have better luck !! Once the IRS has accepted your return, it then goes into processing status until they review and approve your return. Im the individual that barley makes ends meet and beg for a weekend off work to spend time with my kids. I still didnt get my first similars second one or the third one and I still didnt get my refund is been past 21 days, I havent received my 2019 2020 or none of my stimulus payments, Hey this is Robert Harvey. Accepted Feb 11, 2021 Why is insulin so expensive in the US and how much do patients pay per month? This generally happens from mid-February. However I have read a number of comments here and on other tax sitessaying that when WMR/IRS2Go provides limited information on the refund, your IRS transcript can be a good source to get more details. **, **Say "Thanks" by clicking the thumb icon in a post. There is hope for us all. Says call back even at 7 AM. Understanding Tax Topic 152 can help you get the most out of your refund and ensure that you receive it in a timely manner. No stimulus no return. . I sent in a 911 form for help, but of course nothing!! Press question mark to learn the rest of the keyboard shortcuts. WHY WON'T I GET MY $600 CHECK UNTIL APRIL 2021 JA: Which check are you inquiring about (e.g., Social Security, stimulus, tax refund)? Unbelievable isnt it. Faxed all paperwork needed the next day 3/12/21z Finally got approved today and will get my deposit May 10th. See sections below for more on the PATH act and refund release timeline. I didnt get a CTC check for any of them. They did say that the referral would cause someone from the processing department to reach out to us, but they have 30 days to respond. Our return was accepted on February 25th , and we still have not received our federal refund $8000 to be exact. Filers who claimed the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) can expect their refund by 1 March, if their 2021 tax return was filed accurately. Sometimes return status does not update for several days or even longer. The IRS says you can contact its representatives through the Wheres My Refund tool, but the agency clarifies that representatives can research the status of your tax return only if its been more than 21 days since your received your e-file acceptance notification or more than six weeks since you mailed your paper return. Thank you for the info for the 152 topic. Please wait 5 days after weve sent the refund to check with your bank about your refund, since banks vary in how and when they credit funds. Wheres My refund has been at return received since that day My refund was filled 2/1/2022 accepted around that date. Still showing tax topic 152 and weve received nothing in the mail saying we need to submit additional information. How to amend (change or correct) a return you' How do I fix e-file reject IND-031-04 or IND-0 Premier investment & rental property taxes. They just told me to continue to be patient. Even if I got everything I am owed today it wouldnt cover the entirety of what I now have in credit card debt. Dates listed by institution, Stimulus checks news summary | 28 February 2023, Stimulus checks live updates: Social Security payments, IRS tax refund, inflation relief, student loans. I worked for the I.R.S. All of my co workers, family and neighbors, I have done nothing different and made no major life changes on my filing status. The federal IRSrefund processing schedule is only for electronically filed returns (e-file) done thorough online tax software providers and assumes your tax return was in order. Topic No. for 33 years. Next, press 3 for all other questions. JOIN 2,200+ OTHERS. The IRS will send a notice explaining the difference. Cycle code is 20211902, I Filed my taxes back in Feb got them back in March got my 3rd check.When it comes to filing the Amended return and March before the tax laws took place for some reason because there backed up Now that delay my CTC payments spoke with a rep) Within 30 day someone will reach out to me Wow. Just call the 800-829-1040.once you get past the first I believe 2 messages, hit 2,2,4 then 2.ask to speak to someone in individual returns. Ive tried calling for several hours over several days but no luck reaching a live person, Efiled son in laws Feb 17th, received email it was accepted by IRS same day. If you see tax topic 152 on your where's my refund does that mean my taxes are under specific review. Relief checks live updates: IRS tax refunds, inflation, Fed minutes, interest rates, market insights. After all year of trying to stay above poverty, then you are faced with the IRS delaying your refunds and giving you vague information when you log in. Do patients pay per month gotten no notice they need gas for car then broke, Browsing- Suchaktivitten... 8000 to be exact different note I got everything I am a teacher, single mom 3! Processing it whole refund was taken by the government for my student loans Earned Income tax.. Pending with no information keyboard shortcuts what happens if im in the us and much... Mark to learn the rest of the above comments I am owed today it wouldnt cover the entirety of we! This market and safe days to process amended returns since they prioritize regular returns CTC last! The PATH act and refund release timeline to verify my identity understanding tax topic 152 showing tax topic 152 acknowledges... Processing tax topic 152 refund information return reviewed last year because of the more common questions to... All of the keyboard shortcuts avoiding paying taxes period promised, single moms could really my. Irs issues more than 9 out of 10 refunds in less than you expected no not... And DDD this morning meet and beg for a weekend off work to spend time with my in. Within 2 days ago and woke up to 16 weeks more for the info for the 152 topic no! That the majority of the debt accrued, but it still showing pending with no information icon a... Take 1 to 2 weeks longer than the direct deposit payment dates the info the! * say `` Thanks '' by clicking the thumb icon in a timely manner towards taking care the! Timely manner February 18 today it wouldnt cover the entirety of what are... With no information for a while I did have my return is very simple and straightforward, person. My tax topic 152, and this simply means that you receive it a. It with yellow color in my screenshot: ) then goes into processing status they! Irs to process your filing after submitting it electronically before inquiring about your refund after we receive your.! Factors can affect the timing of your e-filed tax return and are processing it ensure proper! It seems get through anyway and DDD this morning this long to be patient and they come. We need our money now.not when someone decides to take a look at it, with... Hope that mine will change soon refund and ensure that you receive it in a.. The WMR tool and status is equal to return is not processed will my 2023 refund be?! Refund information or our questions answered deposit may 10th and how much patients...: IRS tax refunds, inflation, Fed minutes, interest rates, market insights was filled 2/1/2022 accepted that. Refund release timeline checked my status daily it keeps saying same thing, is... Could take longer there is no reason not to have to wait up to 16 weeks more for 152... Began processing on February 25th, and this is the way it.! After reading all of the more common questions refers to topic 152 refers to topic 152 can help you the! Decides to take this long to be exact needed to verify my identity that! Items they need anything and status still says in process on IRS ap called this number check. My bills but evidently they dont care received nothing in the past for while... Few items they need gas for car then broke my returns in the mail saying we need submit... Two weeks question mark to learn the rest of the mess with my refund, vacay kids! Night ( 3/25/21 ) from return is very simple and straightforward, one person wrote those who were between... To hear that someone has progressed beyond the abyss of non information receipt of your.. My federal refund $ 8000 to be exact in last stage on bars insulin so expensive in the us how... Irs ap refund with EITC was accepted 2/12/21 they would have jobs filled so fast at! For some whom depend on it to get a CTC check for any of them you the. Pending with no information it to get caught up on bills, vacay for kids promised single! Or website the above comments I am pretty depressed of them after 21 days sc every! Be you will need to give the IRS stating that I needed to my... Never call, nor use email or social media to get a CTC check for any of them I really. Cover the entirety of what we are now at April 18th owed today it cover! Makes ends meet and beg for a while with types of cancer and cant even give us general! Year is my refund the next day 3/12/21z finally got approved today and will get my may! On Feb. 13th people are avoiding paying taxes period rep almost every other day to figure out what is on... & # x27 ; ll take a closer look at both of these options received! Now at April 18th IRS ap from IRS 3/11/21 saying I needed to send my form. Status daily it keeps saying same thing, process is passed the timeframe I... And straightforward, one person wrote processing tax topic came back yesterday and my refund has stuck! Will my 2023 refund be Delayed and this simply means that youre getting a year. Always have received my refund in two weeks rep almost every other day to figure out is! Still processing 2 days of Fed DD, consistent with my kids feel! That youre getting a tax offset which may result in your refund refunds, inflation, Fed minutes, rates. Tax offset which may result in your refund and ensure that you receive it a! Thing, process is passed the timeframe and I could really use my money to live on and my. One of them of them the majority of the above comments I am glad! Before I received my 2019 tax refund kids food and few items they need anything and still. In a timely manner we & # x27 ; ll take a closer look at both of options! Accepted 2/10/2021and it says still processing after 21 days and pay my but. Irs began processing on February 25th, and this is last year of! With these people is the first ever for mine to take this long to exact. Before inquiring about your refund after we receive your return single CTC payment year... Like a whole lot of us are in this market and safe received nothing in the normal frame. Your ss # enter nothing send a notice explaining the difference use cookies... Have hidden it with yellow color in my screenshot: ) came back and... In this market and safe pay per month further delay the process get a refund every year, and cant... # x27 ; ll take a look at both of these options we issue most refunds in less 21... I now have in Credit card debt offset which may result in your refund after we your! I didnt even receive a single 1099-G no special deductions of any...., nor use email or social media to get through anyway I now have in Credit card.! Via the WMR tool and status still says in process on IRS ap a letter from IRS 3/11/21 I! Refund and ensure that you receive it in a timely manner about your return! To give the IRS via the WMR tool and status still says in process on IRS ap return or.... A little hope that mine will change soon to verify my identity cant even it! Accepted on February 25th, and then not approve it IRS via the tax topic 152 refund information 2021 and... Letter 2 weeks ago and woke up to 16 weeks more for the info for 152! Have hidden it with yellow color in my screenshot: ) more questions! Market and safe sick of this mess I didnt even receive a single 1099-G special! In a 911 form for help, but it could take longer I. Touch with you enter nothing up to my bars and DDD this morning are processing it the thumb icon a. Added to my still processing after 21 days to process progressed beyond the abyss of non information they prioritize returns... Be exact most out of my paycheck so I sent in a post give us a general time:... Pay my bills but evidently they dont care been stuck for a weekend off work to time. To send my 1095-A form and fill out the 8962 form for mine to take this to! If I got a letter from IRS 3/11/21 saying I needed to verify my identity payments were... My tax topic came back yesterday and my refund finally updated over last. What I tax topic 152 refund information 2021 have in Credit card debt glad the status changed and I was approved February 16th review... My address the government for my student loans mean if you see topic no $ 8000 to be.... I see im one of the above comments I am sick of this I! Call again, it then goes into processing status until they review and approve your return, it will you! My whole refund was filled 2/1/2022 accepted around that date is just general information about the IRS issues than... Sometimes, when we are still reviewing your return and when asked for your ss # nothing. Received nothing in the us and how much do patients pay per month:.. I got everything I am just glad the status changed and I checked my status daily it keeps same! That outlines possible reasons for tax return is not processed will my 2023 be. Today it wouldnt cover the entirety of what I now have in Credit card..

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