Konrad2012

Dine Brand's stock has has some incredible rallies the last year. Almost Chipotle like.

If a bank or a CU ever told me they were going to put a 30 day hold on a check, I would get every employee together so they could collectively hear me telling their manager to FOAD.

Does AMEX extended warranty and other protections extend to purchases made outside of the US 50?

Does she treat you like an owner rather than just a customer? A whole new meaning to Memberlicious...

Also depends on if the DGF is a keeper.

Never saw the movie "Her"?

Here's a good article on true redlining. https://www.kcet.org/shows/lost-la/segregation-in-the-city-of-angels-a-1939-map-of-housing-inequality-in-la

This is what the article says: " A closer look at the Washington region shows that in Petworth, a historically redlined neighborhood of DC, white residents not only had an easier time accessing lending services but had their loan applications approved at a much higher rate than black applicants. Between 2015-16, as many as 262 home mortgage loans were awarded to white applicants in Petworth, compared to 21 loans awarded to African American applicants and 29 loans made to Latinos. The racial disparity clearly leans in favor of white residents in this neighborhood, despite the fact that whites make up just 20% of its population. Of the total home mortgage loans originating in Petworth, 80% of white applications were approved while only 44% of those from African Americans were." If we are speaking of redlining, which involves geography, none of the people would get mortgages. So you are not speaking of redlining, but of other forms of discriminatory practices.

I'm voting Downtown Portland is worse. Not by a massive difference, but enough for me to have that opinion. I don't have enough experience with Downtown Seattle, but Pike Place Market is the last place I saw a crack deal go down.

There are SOME tires that even a ten day period is more than enough to flat spot. Driving will bring them more or less back into round. However, this tends to be more associated with the ultra soft high performance tires. But I see it even on the X-Type which, although a manual transmission, is NOT a high performance vehicle. It does get good tires since it is AWD but they are not the uber-soft UHP type.One of my best friends has a 2013 Lamborghini Gallardo LP570-4 Superleggera. It doesn't get driven but a couple times a month and he doesn't keep it on jacks. His uncle has a LaFerrari, an Enzo and a Carrera GT in his garage. None of them are on jacks. He doesn't drive them but once a month each since he prefers his Maybach. Tim's GT-3 isn't kept on jacks and neither is Daniel's Saleen S7. I know 5 people with McLarens and none of them keep them on jacks. I'm just sayin... Your friends have some nice cars. I'd guess that outside of Miami Beach area (say from Palm Beach to South Beach), that Newport Beach and Beverly Hills/Hollywood/Brentwood area has the highest amount of exotic cars anywhere in the country. So you're bound to know some people with awesome cars. I didn't bother to list Maseratis or AMG Black Series or Porsches or Bentleys or Rolls Royce since we were talking exotics with soft street tires. I've had E55 and E63 AMG's and an M3 in the past. Fast but not really fast and not exotic. The guy with the Lambo is a trust fund guy. The other guys are just hard working ballers. Well, except Daniel. Daniel produced the movie Redline, and it was his Enzo that Eddie Griffin crashed. Daniel is listed as one of the guys responsible for the subprime mortgage crash. Google Quick Loan Funding or the movie Redline.

I liked the HSBC example where they targeted people to redeem points in certain ways. Do you think that targeting will morph into influencing consumers towards the most expensive or least expensive redemption offers for the bank? Sheep...

I don't know you. But I know I quoted IvyMgmt in my response and somehow you're confused. So now I know something about you and that is your reading comprehension sucks.

Your zipcode example is redlining. The definition of redlining is using zipcode, communities, neighborhoods or some other geographic means to fence off residents in a virtual way. A virtual "Red Line" on a map. Used to deny banking insurance etc. Saying African Americans got less loan approvals than Caucasians in a certain area doesn't even meet the definition of redlining. It could be discrimination/racism which while wrong is not redlining. But this vaguely written article doesn't provide enough information for an informed determination.

People have pointed out some key credit metrics missing from the article you posted. It's obvious you have a personal agenda. And this is considered a non-political board. No agenda at all I’m just amazed that you guys don’t find any truth to this. This isn’t a political post either. When someone points out that 30% of their neighbors are African American when 12% of the country is African American and you speak of equality you have an agenda. Or math/numbers are difficult for you.

People have pointed out some key credit metrics missing from the article you posted. It's obvious you have a personal agenda. And this is considered a non-political board.

I was researching companies that make vaping E-liquids a couple years ago. One Chinese company that makes private label liquids fr many of the US companies had some very interesting "flavours". Salted fish, pepper beef, turtle, bacon, ketchup and that stinky durian fruit.

That is genius!

Look at the dept stores and try to find a sale...like Father's Day or 4th of July. Buy discounted gift cards from CardCash or some other gift card reseller using a rewards earning CC. https://www.cardcash.com/buy-gift-cards/discount-bloomingdales-cards/ Use the discounted gift cards through an online shopping portal. https://www.topcashback.com/bloomingdales//

Interesting that they used race, neighborhood and income as the determinants for this study. No mention of FICO's, DTI or net worth.

Again it's a moving target. Keeping your utilization low, even the $2 trick, is going to give you the best FICOs. Letting accounts and INQs hit 6 months of age takes away most of the FICO hit. That strategy gives you the best chance at instant approvals. The second you get eyes on your applications/reports/accounts all the other things come into play. Both for approvals and existing account reviews. You already know Chase is a biotch. AMEX will FR you but if honest about income they seem to care about nothing. Barclay's is new account/INQ sensitive. People seem to lower their Citi lines to continuously sign uo for AA cards etc.

Sounds like you're on the right track with the ability to PIF, and a nice foundation of cards is already in place to grow with you. However, it's advisable to get a rewards and portfolio strategy in place before continuing to churn or seek out new approvals. How can your FICOs reward you for your low risk? Do you want to travel, etc etc. He's churning cards for SUB's, AMEX Offers and AU's...not for a real business or heavy organic spending.

File arbitration and force them to disclose if you feel so inclined. Maybe they'll give you hush money. And they'll erase the account and associated INQ's.

I would contact the US Postal Inspectors and open a case. Informed delivery or not, someone either stole mail from your mailbox, or it was an inside job at the Post Office (or both). Either one falls under the Postal Inspector's jurisdiction and unlike local cops they don't screw around. https://postalinspectors.uspis.gov/investigations/MailFraud/fraudschemes/mailtheft/MailTheft.aspx

Postmates is like Eat24 or UberEats or Grubhub. They deliver alcohol in SoCal. There's always a way to get $100 credit towards the delivery service fees.

Wish I had that Sam's on more cards. I'd go there and run 8 purchases for beer if nothing else. Having it on two cards doesn't make it worth the trip.