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TEXAS
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Excel nerd/delusional Houston sports fan
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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).
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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.
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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?)
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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.
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Elevate Unveils Prime Credit Card for Non-Prime Consumers
MunsyBuns16 replied to Kat58's topic in Credit Forum
No rewards pffffffffffttttt -
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.
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We're All Subsidizing People Who Use American Express
MunsyBuns16 replied to hegemony's topic in Credit Forum
Who's a millennial with two AMEX cards? This guy -
Discover luv button fixed: Your credit line has been increased.
MunsyBuns16 replied to virtualtreasure's topic in Credit Forum
My $200 limit went to $400 this morning after I paid off a $5 charge for bus passes. -
This should have been a 2% card..... [AMEX Cash Magnet]
MunsyBuns16 replied to MunsyBuns16's topic in Credit Forum
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 -
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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The people who are worried certainly don't budget. I'd be worried too if my account went to zero every two weeks.
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CRAs are a total joke ... they are designed to keep people in debt. My quick story:
MunsyBuns16 replied to QPsi777's topic in Credit Forum
hurr durr Why are yew worryin' about an "I love debt" score ma darlin'? hurr durr Musings from Evil Dave Ramsey -
Last year, customers used their tax refunds to splurge on iPhones, televisions and gaming consoles -- and this year is no different
MunsyBuns16 replied to hegemony's topic in Credit Forum
I had a small refund. I used it to pay part of my student loans. This year, I think I'm gonna have to write a check. -
Does anybody have thoughts on leasing a car vs. trying to purchase a car? (I've somehow become even skeptical to buying a car now). I say this because my tastes in vehicles change far too often. If I were to lease a new car instead of buying used, I would look at mid-sized sedans and/or compact crossovers.
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Keeping up with the Joneses can help your financial life
MunsyBuns16 replied to hegemony's topic in Credit Forum
Don't care about my neighbors. I have fun some weekends by blasting my music loud, turning the lights off, and dancing badly to the movement of my party lights. [Cheap entertainment]