cv91915

Sixth 817 since November of 2024, once again leaving uncaptured that elusive final point. Happy New Year!

817 (+38) This is the fifth time since Nov 2024 that I've been only one point short of maxing out this score.

That's one sessy FICO 4!! (And it's fascinating that in all these years DCU has never bothered to fix the scale for this card, implying that it's possible to even approach 850 on this model)

At the time the death of *D (it was never D*) was announced, I'd just started implementing a plan to further maximize the number of 1995 Amex trade lines on my credit reports, by closing unwanted Amices and opening new unwanted cards. I started by opening the least desirable Amex cards, and that's how I came to hold a Blue Sky, which I've never closed. After more than a decade with this card I've never done a single points redemption, and I've amassed a rewards balance of The main utility of this card has been adding the most useless Amex offers to prevent them from cluttering up the useful offers on other Amex cards I actually use (since the offers are one per SSN). Now, in about 60 days, I'll be the holder of a Cash Magnet card. At a flat 1.5% cash back on all purchases, this new turd will serve the same purpose as the Blue Sky.

Convo

But a credit union is a not-for-profit financial institution owned and operated by its members. Unlike banks, which are owned by shareholders and designed to maximize profit, credit unions exist to serve the best interests of their members. When you open an account, you become a part-owner, giving you a voice in how the credit union is run and access to better financial benefits.

Even at the higher price, it's a much better coupon book than it was before. I was able to Hoover up the 3Q Resy credit before it evaporated, but the only place to conveniently burn the whole hundred on lunch with short notice was Rodizio, the Arby's of churrasco.

horseplay pimple

I'd take 3 inquiries to save 2 bps on a loan. Thats what they're for.

"go to" is not a noun Neither is "ask"

If this happens I can do the 5% purchase / 1% return exploit 3x per quarter. 👍

For one year I had the Capital One card that offers access to that lounge, and I connect at DFW at least 10x a year. There was never NOT a wait list. I have the same experience with Centurion Lounges. I was at DFW for almost 4 hours this week and there was a line to get in when I arrived, and there was a still a line when I left. "Lounge access" isn't a benefit when it only exists in theory.

I stopped applying for new cards for a while because I got tired of all the rejection. My FICO 8s haven't been south of 840 for as long as I can remember, and our only actual debt is one car lease.

Still no response to my secure message, and no promised appointment with the branch manager. She must be swamped. Since my last post on this, my friend has started and finished a Masters program at USC, and completely unrelated, is now strongly considering joining a religious order in Indiana. I'm not making this up.

I still routinely use ~15 cards a month, and there's another 10 or 15 sitting there doing nothing.