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Second Chances

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    Lucky O*

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  1. QS1 from Cap One was my first card while rebuilding. Same annual fee and was in their credit steps program apparently, as I received two CLIs over time that tripled my CL. I later product changed it to a regular QS without the annual fee (though I really should have done it sooner). It’s a good card to keep active for me even now. Since I don’t have a 2% card right now, it fills the gaps from my higher rewards cards and it’s also my oldest open card.
  2. 802 (+8) Went from two cards reporting a balance to one card reporting.
  3. I agree. Although (stupidity in not realizing I was applying for a card aside), I managed credit cards pretty well in college and I wouldn’t have applied if I’d known. My credit screwup/lesson learned happened in grad school.
  4. My first month freshman year of college (pre CARD Act), there would routinely be students handing out “coupons” for a free pizza at Papa John’s. I went one time and honestly didn’t even realize until after I received a rejection letter in the mail the next week that I had applied for a credit card. Really stupid on my part, but a good example of the impetus for that act.
  5. Chase Freedom CLI from $3,700 to $6,000 Had the card for 8 months when I called to request CLI.
  6. https://www.irs.gov/newsroom/irs-extends-additional-tax-deadlines-for-individuals-to-may-17 They’ve now moved the deadline for IRA contribution, as well. This actually will help me max out my Roth contribution for 2020–could have done it without the extension, but this makes it much more comfortable in terms of timing.
  7. Agreed. My spouse has been looking at a new vehicle (and talking about it!) for months now, but supply has been really constrained (for new vehicles) because of shortages and plant shutdowns due to COVID. What little stock of the truck he wants comes in is sold pretty quickly. The used vehicle market doesn’t seem to be fairing much better, at least where I’m located. I recently sold my vehicle to a family friend of my in-laws and he was very frustrated at that point with trying to buy used. There is little to no wiggle room in pricing from what I’ve seen (almost as bad as trying to buy a house right now).
  8. I generally agree about Georgia’s DMV/DDS, with the exception of my most recent encounter. I got married in October and went to update my driver’s license in November (had to wait on certified copies of marriage license at a time when the pandemic had the courthouse mostly closed). Brand new license on newest design (apparently they update them like crazy in GA) and new photo; however, I received a letter this week that my license expires on my birthday next month. When y’all updated everything else, you couldn’t update the expiration date?
  9. I’m surprised they still offer them. The one and only time I used them was on a sponsored trip to D.C. where everything was covered besides souvenirs/incidentals and I was just barely too young for a credit card. I can’t imagine the reaction I would get if I tried to use them today. Would most cashiers even know what they are (based on average age of cashiers)?
  10. In all the upheaval of last year, I completely missed that free weekly reports existed.
  11. The title for the vehicle I paid off last month. (Along with more Medicare mailers—how do I make it stop 😩)
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