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    Excel nerd/delusional Houston sports fan
  1. I've found that it's not really feasible to get a car--at least what I would want--without having to commit thousands in income (cash) or getting a loan on it. It wouldn't make sense given my student loans Getting by on rideshare/public transit hasn't been much of a detriment to my life. The dealers can wait to get my money. Get a wahhhmbulance
  2. I pay my share of the family cell phone bill and my dry cleaning via check. I don't want to share my Cash App with my parents lol
  3. The transit service in Houston still takes cash (even pennies lol) at the stops. But, I use its app and pay for fares with my cards.
  4. Hasn't affected me long-term, Heg. I think the whole "car vs transit/ride-share" debate is similar to the "rent vs buy" debate when it comes to housing. I think each situation is unique.
  5. Haven't owned a car, yet. I mostly take transit and Lyft going to and from work. It works for me because I'm focused on paying off my student loans and don't need a car payment to slow that process; plus, I'm picky when it comes to cars. The kind of strategy that Mr. Wonderful outlines works well if you make enough money, plan well, and work/live in an urban area.
  6. I still have the old Visa version of this. The travel and dining angle is interesting, though, because I think BoA has a broad definition of what's considered "travel" (like Chase).
  7. I hate GrubHub with a passion (bad experiences with it in the past and I think Favor/Postmates are better). However, I might try the airline gift card thing to take advantage of that credit. I *also* have a referral link for anybody who's interested.
  8. Capital One is apparently upgrading the existing Savor card. Now, it's a 4/2/1 card (4% dining and entertainment, 2% grocery, 1% base) with a sign-up bonus. However, it now comes with a $95 AF (waived in the first year for new cardholders). https://www.capitalone.com/credit-cards/savor-dining-rewards/ And now, there's a SavorOne card with the old 3/2/1 structure (3% dining and entertainment, 2% grocery, 1% base). No AF https://www.capitalone.com/credit-cards/savorone-dining-rewards/ If only they countered the UBER Visa with a Lyft World Mastercard (but no one at CapOne could be that smart, could they?)
  9. If paying upfront won't hurt you cash-wise, pay cash now. If you want to finance it, take the 90-day offer and pay it off way before the 90-day period ends. I did that with my bedroom set.
  10. Only recession I might see in the future would be to get rid of my Capital One Platinum card. Small limit, and it hasn't unsecured yet after almost three years.
  11. Who's a millennial with two AMEX cards? This guy
  12. My $200 limit went to $400 this morning after I paid off a $5 charge for bus passes.
  13. Perhaps this initial flat-rate offering makes room for a better version down the road (Cash Magnet Plus/Preferred/whatevs, a dark green card in the same style of this one) with a better rewards rate. 2% flat rate, or 1.5% flat rate, with a 25% bonus for at least 20 swipes during the statement cycle
  14. https://www.americanexpress.com/us/credit-cards/card/cash-magnet/?eep=25330&intlink=US-Acq-Shop-Consumer-VAC-CardMember-CardArt-CashMagnet Perhaps with tougher underwriting. AMEX missed a big opportunity here, but at least the card design is kinda nice (but almost the same shade of blue as the Chase Freedom Unlimited). The sign-up bonus is slightly enticing.

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