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About kayvebear

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    Bump Influence XXIV
  • Birthday June 24

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  1. Hey all... LONG time since I have shown my face around here. I hope everyone is doing well on their journey. I did a twitter thread today on 'how to hack' your fico. Pointed people a couple times to CB Please give the tweet some likes and retweets and let me know if I left anything vitally important out. https://twitter.com/michaelgmcquaid/status/1418631940404436999?s=20
  2. I'd feel bad if it weren't for the fact that their entire business model is by getting people who don't deserve credit to max out 30% APR cards and pay late fees for life.
  3. So some years ago all my capital one accounts were closed in a single day. Had never missed a payment and had excellent credit, but they didn't like that I was utilizing their fee free 0% balance transfer option on a monthly basis to basically loan myself interest free money. Didn't actually use capital one products - so who cares right? The Venture card 80k sign up bonus came out a few months back. I assumed I was black listed, but no hurt in applying right? Instant approval for $15k credit line. Spent my $5,000 for the bonus and cashed out $8
  4. Haven't been paying attention. What sign up bonuses are absolute musts right now?
  5. Hi all, long time and hope everyone is well. Saw Capital One has a new 75k offer out. curious if they blacklist? They unexpectedly closed all my cards 1-2 years ago for over leveraging their 0% BT offer on a monthly basis (using their products in a way it was not designed to be used)
  6. Can you book Alliance Air tickets through Air India with a StarAlliance reward? Have you been to Kangra Valley around Jia/Himichal Pradesh? I have no idea re: the flights unfortunately. I never went to Kangra Valley (I drove through it numerous times but never stopped). I lived for three months just next door though in Dharamsala (McLeod Ganj, Daramkot) which is one of my favorite places in India. Then to the east is Parvati Valley which has some of the most incredible trekking I have ever done. When are you going?
  7. Closed my Chase United card and my Chase Ink Business Preferred card. Opened the new Chase Marriott Personal card with 100k signup bonus and once I hit 5k spending will open the business one as well. Actually pretty cool cards to keep as the annual fee is less than $100 which earns you one free night per year ... but the free night gets you a stay at a hotel that can be as much as $450+
  8. I called their underwriters. They bumped me to 25k but wanted me to send in docs to go back to 35k.
  9. I think I must have let more than 12 months lapse without using it. Logged in today and noticed my line was reduced from $35,000 to $1024
  10. Following this thread. Keep up the good work
  11. I also own my business and there's an old saying, "When you own a business, the business owns you as well". LOL.... I assume you're aware that the IRS views CC rewards, (cashback, Airline specific FF miles, convertible points like UR/MR/TYP), as rebates and therefore they're not taxable as income. However, in the case of CC rewards earned by a business entity, (whether LLC, Sole Prop, or whatever), those rewards are earned and owned by the business entity. Obviously, you're free to use these million UR's however you see fit, but in the interest of keeping a "Clean Set of Bo
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