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  1. Whats even more interesting is even after I pay it (why would I want to wait), it still lists pay over time on previous transactions!
  2. Green card actually is pretty interesting, unlimited 3X MR for travel so for a lot of people if they value MR that may be a better spot if not huge travel expenses to recoup the platinum fee cost over the green fee. I really dont travel enough for either and dont spend anywhere near enough groceries or dining for gold.
  3. Same with my blue cash everyday card. I would imagine most BCE holders are more likely to use pay over time also then platinum holders. The coupon book idea also appears to be real for most of their cards (it has saved me money in the past year but lots of the offers are places I wont use and have never heard of).
  4. All 6! all at once! Credit YEAH!! But seriously out of these probably the freedom for the grocery money.
  5. had no idea this company existed. Learn something new everyday on here.
  6. Wonder if they will come out with an amex cobranded card (a new one at a lower level?)
  7. Sofi has mostly mixed reviews. As a company im not sure I would want to invest in someone buying up student loans and repackaging the debt. It feels like every other day I hear someone chanting about student loan forgiveness though so who knows they may get too big to fail and get a bailout when all the kiddos decide the 40K a year college degree is not able to easily pay off the 60K debt once interest rates start to rise due to the unavoidable incoming inflation.
  8. Yeah no surprise. They would be smarter to offer some form of stable crypto and harvest the opportunity before people realize its nonsense.
  9. Well thats probably good for some folks, unfortunately not to useful for me. Was hoping for some form of either fixed or rotating 5% back card from them or maybe a travel card that offers some way to magnify points like chase or amex.
  10. Yeah hard to beat UR with MR a close second in my opinion (mainly because without the Schwab card its hard to turn into Cash at a good redemption value). I still consider that 80K SUB Citi premier has and may take it if it still exists next year with the intent to use it on either Virgin Atlantic or JetBlue points transfers quickly then convert the card within a year to the Custom Cash no annual fee card. I think with Virgin I could likely use the credit for Delta flights and actually get good award value (mostly because with elite status on delta it makes it a bit easier to get decent upgrades when combining with delta miles after the ticket is booked. Its probably worth about $1K to me, just opened enough cards for a while so have to wait and it may be gone but oh well. I do like the idea of the custom cash for groceries. What is this that the Premier refers too?: "Plus, enjoy an Annual Hotel Savings Benefit
  11. I wonder if you could take out a personal loan at lower interest rate through a bank to help pay them off?
  12. Oh no, that is awful. Ok can you cancel it (the point redemption) for your wife? It used to be thank you points could be pooled. If it still is the case consider transferring to your son and cashing out that way instead. CapOne Venture I used to have used to greatly devalue points if I tried to cash out for statement credit (I of course never did). You may wish to try and reverse your wifes cash out then transfer the points then product change her to Custom cash? What a pain in the ass though huh? In contrast Chase seems to be making it easier and easier to cash out (and frankly for all the bad press both my WF Active cash and my Propel easily cash out at 1cent/pt although active cash converts it into currency when transfer points from Propel). I really dont know why banks make some of the crapier cards difficult. It makes people want to go to a simpler bank.
  13. I did not see a thread for this but maybe we should make a thread about odd ball cards that appear to still have good benefits but otherwise may be hard to find or get? https://www.aodfcu.com/credit-cards/ Look at the Visa Signature to the right... Probably only good if you happen to live in northern Alabama but 3% back on everything seems pretty good.
  14. Nothing opened in June but interestingly I opened an WF Activecash in Aug and had opened a Sapphire back when it was the 80K bonus (I think april?) before it went to 100K SUB. I product changed my CapOne Venture to a Quicksilver but thats it for the past 12 months or so, Just before that I did open an Amex Blue cash everyday for grocery but nothing in the 2 years before that. I dont intend to open any more for a while unless something spectacular comes out. This brought me up to 7 cards but only one with a annual fee now (Chase Sapphire). Unless SUB is spectacular I wont do annual fee and even then it has to be atleast equivalent to 4 years or more annual fee.
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