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About Occam

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  1. BlueCash Everyday is not a bad call. MSR is only $1000 so you should easily hit it with natural spend. Shop around for the best SUB. $200 is good but you might get $250. At $200, you would net 21%-23% back on your first $1k of spending. Adding a 3rd card will boost your FICOs immediately.
  2. Occam

    Pre-Approved for Second Discover

    Definitely finish milking Chase before anything else! How did you end up under 5/24? Discovery is for when you've run out of options. Not even worth thinking about till you've been reduced to whoring for sub-$300 SUBs.
  3. Occam

    Pre-Approved for Second Discover

    My venerable AAviator Red just morphed into a turd too. AF up $89 =>$99. Annual bonus down 20k miles => 0 miles. Both Barclays and Discovery now issue only churn & burn cards, which seems like a strange business model.
  4. Occam

    Pre-Approved for Second Discover

    5k is what they give me on 2nd cards too. But IME the low-limit card is much more responsive to the luv button. I got Card 2 up to 90% of 6-y-o Card 1 before combo (i.e., in just a year). Working on a new #2 now. Also IME - you need a CLI available on at least 1 card for easy combo. So around 10-12 months leave at least part of the next available CLI on the table. It might be better to leave a few bucks on the table even sooner, just in case the luv button stalls.
  5. Occam

    Pre-Approved for Second Discover

    I did this with pre-approval in late 2017, no theft (and FWIW, no inq). Small SUB via Amazon. If you're quick you can double dip 10% groceries, otherwise maybe better to wait till mid quarter in a good category. After 13 months you can combine to boost your limit, then repeat. It works like CapOne used to.
  6. Occam

    Discovery charge off rate jumped to almost 4%

    Because the typical cardholder has the math skills of a fruit fly, if that. Discovery it APRs run from 14.24% to 25.24%, and I'm sure they harvest plenty of late fees too. Subtract 4% (1) and it still looks pretty lucrative. Then add interchange fees... (1) Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. I'm sure it includes reported debt that gets PIF, but larger balances are less likely to be PIF, and how many consumers actually PIF for 2 months in a row?
  7. Occam

    Options for Chase Marriott PC

    Just say AuxRev to Bonvoy.
  8. Dave Ramsey would say you should have used a debit card because only a fool would pay $550 for a pizza.
  9. Occam

    Inquiries on Frozen CRA Report

    This would be fascinating if true but my money is on BS. I think they probably delivered the reports. Most likely it was a potentially expensive screwup they needed to bury. Good DP on Citi & a reminder to review my Innovis.
  10. Was the family childless? Or did the collector just figure the dog would bring a better price?
  11. Those fees finance our SUBs and rewards so I would hate to see this spread. We could end up like Australia or the EU. My first protest will be to purchase an apple. Cashier gets to choose between Visa card or $100 note.
  12. Occam


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The Chapter was intimately involved in the design and planning of Washington, DC and it continues to play an active role in the city’s development today. AIA|DC advances the value of architecture for our members, our profession, and our community. As such, we deliver high-quality programming including continuing education, construction tours, design lectures, awards programs, community design services, and award-winning publications. The fee to join is as low as $50. Join today. American Society for Microbiology (ASM) - www.asm.org The American Society for Microbiology, ASM, is the world's largest scientific society of individuals interested in the microbiological sciences. The mission of the American Society for Microbiology is to advance the microbiological sciences as a vehicle for understanding life processes and to apply and communicate this knowledge for the improvement of health and environmental and economic well-being worldwide. To achieve these goals, ASM will: Support programs of education, training and public information; Publish journals and books; convene meetings, workshops and colloquia; Promote the contributions and promise of the microbiological sciences; Recognize achievement and distinction among its practitioners; Set standards of ethical and professional behavior. Join today. Consumer Electronics Association (CEA) - www.ce.org CEA’s mission is to grow the consumer electronics industry. The Consumer Electronics Association unites 2200 companies within the consumer technology industry. Members tap into valuable and innovative members-only resources: unparalleled market research, networking opportunities with business advocates and leaders, up-to-date educational programs and technical training, exposure in extensive promotional programs, and representation from the voice of the industry, CEA, promoting and advancing member needs and interests. Join today. 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It has been providing mathematicians with the best expository articles, engaging problems, and articles devoted to teaching collegiate mathematics. Join today. Moon Society - www.moonsociety.org The Moon Society seeks to inspire and involve people all over the world in the continued study and exploration of the Moon with the goal of accelerating the day when there will be civilian settlements on the Moon – making use of local resources through private enterprise both to support the pioneers themselves and to help alleviate Earth's stubborn energy and environmental problems. The fee to join is as low as $20. Join today. National Space Society - www.NSS.org The National Space Society (NSS) is an independent, educational, grassroots nonprofit organization dedicated to the creation of a spacefaring civilization. NSS is widely acknowledged as the top citizen's voice on space. NSS membership is complimentary when you choose this option while completing your NASA FCU membership application. The Montgomery County Road Runners Club - www.MCRRC.org The MCRRC is one of the largest, most active running clubs in the nation. It offers programs and opportunities for all types of runners, from newcomers to experienced. The fee to join is $35. Join today. Women in Aerospace (WIA) - www.womeninaerospace.org WIA is dedicated to expanding women's opportunities for leadership and increasing their visibility in the aerospace community. Our membership ­ women and men ­ shares an interest in a broad spectrum of aerospace issues, including human space flight, aviation, remote sensing, satellite communications, robotic space exploration, and the policy issues surrounding these fields. Our member programming is directed toward issues of importance to the aerospace industry as a whole, and focuses on specific topics of interest to our members. Join today. WTPF - The Business Forum for HR Professionals - http://wtpf.org
  13. Occam

    PRA online PFD

    Read this, you may not want to deal with the collector: https://creditboards.com/forums/index.php?/topic/521705-the-master-obsolete-delete-time-frame-thread/
  14. Whereas you would prefer a book where each chapter starts over at the beginning? To each his/her own. 1) "no longer current" That's why it's better to post new information/questions at the end of it. 2) "involve posters who are not present" That broadens the knowledge base. For example, BobWang did a lot of research. The data he collected on FICO scoring is still accurate up through FICO08. And yet almost every day someone receives incorrect "new" answers on FICO scoring. 3) "result in a random mess of data that is not cohesive or useful." This is what you get when you search and get 14 similar threads on the same subject. The useful information is scattered among random threads of various ages.

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