TheVig

https://www.foxbusiness.com/economy/credit-counseling-service-huge-surge-calls-during-holiday-shopping-kickoff Useless article that doesn't really address the issue. Stop feeling guilty about whether or not to buy gifts for others is a good place to start. Just that it's on sale doesn't mean you need it. Want and need are two different things.

Credit Cards: Amex Gold & BB+ MR 509,770 Amex Delta SkyMiles 209,767 Citi MileUp World Elite MC American Airlines 73,081 FNBO Amtrak Guest Rewards World MC 153,149 Chase CSP / CFU / CFF World Elite MC Signature Visa UR 156,876 Chase IHG Premier World Elite MC 67,866 Chase Hyatt Visa Signature 56,152 BofA Customized Cash Rewards Visa (3% Travel) $6.20 Citi Premier / Double Cash World Elite MC TYP 61,958 Choice Privileges World Elite MC 304,474 WF Active Cash Signature Visa (2% CB) $89.29 BILT Rewards MC 15,899 Shopping Portals & Apps / Stacking Opportunities: DOSH (CB) $16.39 Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 1500 Fetch Rewards (GC) 13,508 Points Upside (CB or GC) $0.35 CoinOut (CB) 9760 Points Receipt Hog (CB or GC) 2799 Coins Receipt Jar (GC) 189 Points Receipt Pal (GC) 5065 Points Shell Fuel Rewards (Earning AA Miles 2miles/gal.) Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks) United Airlines 115 Miles Airline / Hotel Dining and Shopping Portals

Since Apple is looking at 12 to 15 months out to pull the plug, I have to wonder when the existing card will be closed to new applications. With delinquencies on the up tick in general, I don't see any issuer wanting to take on a higher than normal steaming pile of bad loans. I'm not sure Sync is even this *Admin prohibits insults that reference an individual's intelligence.*. Bottom line is whoever ends up offering the card, I'm sure the underwriting won't be as liberal.

Around 2008 I burned Comenity on several store cards. Back then they were calling it World Financial Network National Bank (WFNNB). I did not file for BK. I simply walked away. Never got sued. From 2015 to 2016 I got approved by way of the shopping cart trick that Comenity is famous for. The cards I got were Williams Sonoma Visa Signature, BJ's Wholesale MC, and Caesars Total Rewards Visa Signature. Also had Wayfair and Overstock. I closed Caesars. Had a $12k CL Grew Williams Sonoma and BJ's to over $25k each, before they got sold off to Cap1. I still have the cards and the high CL. Wayfair and Overstock were both over $10k each. They were useless drunk apps. Closed after one year. YMMV as far as being on a BL. Either way you will be taking a HP.

Credit Cards: Amex Gold & BB+ MR 508,984 Amex Delta SkyMiles 209,742 Citi MileUp World Elite MC American Airlines 73,081 FNBO Amtrak Guest Rewards World MC 153,149 Chase CSP / CFU / CFF World Elite MC Signature Visa UR 156,876 Chase IHG Premier World Elite MC 67,866 Chase Hyatt Visa Signature 56,152 BofA Customized Cash Rewards Visa (3% Travel) $6.20 Citi Premier / Double Cash World Elite MC TYP 61,958 Choice Privileges World Elite MC 304,474 WF Active Cash Signature Visa (2% CB) $89.29 BILT Rewards MC 15,899 Shopping Portals & Apps / Stacking Opportunities: DOSH (CB) $16.39 Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 1500 Fetch Rewards (GC) 13,348 Points Upside (CB or GC) $0.35 CoinOut (CB) 9700 Points Receipt Hog (CB or GC) 2774 Coins Receipt Jar (GC) 159 Points Receipt Pal (GC) 5065 Points Shell Fuel Rewards (Earning AA Miles 2miles/gal.) Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks) United Airlines 115 Miles Airline / Hotel Dining and Shopping Portals

About 5 minutes ago I got my weekly email from Apple wanting me to apply.

Charlie Munger, friend and business partner of Warren Buffett, dead at 99

I bought something on Monday I needed for work. Not because it was cyber Monday, but because what I wanted was finally back in stock.

Now Chase, BofA, and Citi are bombing me with vehicle financing offers.

I spent considerable time about a year or so ago looking into this card. After reading about it on some points and miles groups, and some YouTube videos, I just didn’t feel the juice was worth the squeeze.

I got the instacart offer too. I’m not sure why they are gangbanging me with lending offers. Nothing on my credit reports say I need help. I have around $400k in total available credit, and less than 1% usage is reporting at any given time. Real FICO’s with the CRA’s are 790 to 820. Maybe they want to loan to me because there is a high probability I would pay them back. I don’t know.

My email was carpet bombed today with pay over time and BT schemes from Amex, Citi, and Chase. Black Friday must be coming up soon.

Credit Cards: Amex Gold & BB+ MR 508,984 Amex Delta SkyMiles 209,660 Citi MileUp World Elite MC American Airlines 72,920 FNBO Amtrak Guest Rewards World MC 152,616 Chase CSP / CFU / CFF World Elite MC Signature Visa UR 129,500 Chase IHG Premier World Elite MC 67,866 Chase Hyatt Visa Signature 56,152 BofA Customized Cash Rewards Visa (3% Travel) $6.20 Citi Premier / Double Cash World Elite MC TYP 61,589 Choice Privileges World Elite MC 290,156 WF Active Cash Signature Visa (2% CB) $89.29 BILT Rewards MC 12,856 Shopping Portals & Apps / Stacking Opportunities: DOSH (CB) $9.68 Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 1487 Fetch Rewards (GC) 12,151 Points Upside (CB or GC) $10.68 CoinOut (CB) 7290 Points Receipt Hog (CB or GC) 2697 Coins Receipt Jar (GC) 9389 Points Receipt Pal (GC) 4380 Points Shell Fuel Rewards (Earning AA Miles 2miles/gal.) Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks) United Airlines 115 Miles Airline / Hotel Dining and Shopping Portals