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CB's Resident Nice Guy
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greendeh reacted to a post in a topic: Comenity AAA Signature Visa Card Pre-Approved
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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.
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jasonw reacted to a post in a topic: I once loved these songs...
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jasonw reacted to a post in a topic: I once loved these songs...
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TheVig reacted to a post in a topic: The Goku4 Running Credit Thread
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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
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TheVig reacted to a post in a topic: Apple Pulls Plug on Goldman Sachs Credit Card Partnership
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MP80 reacted to a post in a topic: Apple Pulls Plug on Goldman Sachs Credit Card Partnership
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Burgerwars reacted to a post in a topic: Apple Pulls Plug on Goldman Sachs Credit Card Partnership
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TheVig reacted to a post in a topic: Does PNC only ever pull Experian?
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Apple Pulls Plug on Goldman Sachs Credit Card Partnership
TheVig replied to Burgerwars's topic in Credit Forum
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.
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TheVig reacted to a post in a topic: Comenity AAA Signature Visa Card Pre-Approved
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MarvBear reacted to a post in a topic: Charlie Munger, friend and business partner of Warren Buffett, dead at 99
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TheVig reacted to a post in a topic: Cyber Monday
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TheVig reacted to a post in a topic: Cyber Monday
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TheVig reacted to a post in a topic: Charlie Munger, friend and business partner of Warren Buffett, dead at 99
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8ball reacted to a post in a topic: Charlie Munger, friend and business partner of Warren Buffett, dead at 99
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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 $1 spent at Starbucks) United Airlines 115 Miles Airline / Hotel Dining and Shopping Portals
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TheVig reacted to a post in a topic: Apple Pulls Plug on Goldman Sachs Credit Card Partnership
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Burgerwars reacted to a post in a topic: Apple Pulls Plug on Goldman Sachs Credit Card Partnership
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StarkRaven$ reacted to a post in a topic: Charlie Munger, friend and business partner of Warren Buffett, dead at 99
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Apple Pulls Plug on Goldman Sachs Credit Card Partnership
TheVig replied to Burgerwars's topic in Credit Forum
About 5 minutes ago I got my weekly email from Apple wanting me to apply. -
Glacier reacted to a post in a topic: Cyber Monday
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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.
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TheVig reacted to a post in a topic: Cyber Monday
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TheVig reacted to a post in a topic: DW (Bev's) Leukemia/Health update
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Now Chase, BofA, and Citi are bombing me with vehicle financing offers.
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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.
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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.
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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.
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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