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  1. In terms of 5/24, the only new card I've added in the past 24 months is Bank of America Cash Rewards MasterCard just last February. Prior to then my most recent add was the Goodyear® card in November of 2016. I believe that if I do app this, it will be for the Freedom Not-Unlimited one. I like the notion of 5% cash back, if I "want" 1.5% in non-cat spend I already have Quicksilver; plus CSP and AmEx SkyMiles Platinum so my cup already runneth over with rewards options. (These days I wing about 20-25% of non-category spend toward my BofA Visa, the one they thefted $5K from to grant me the Cash Rewards card, so I am hoping that using the card amply will spur them to re-up my limit at a decent clip - fingers crossed. ) I still have additional strategy concerns to iron out. See, I don't know what kind of limit to expect on Freedom - Chase likes me, my CSP is at $19K or so and indeed I have a BT offer on that one; that's where I could park my gross $7K AmEx balance. I also want to app the BMO Harris Platinum MasterCard. If approved that's where I'd xfer the also-gross $3K balance now sitting on my Citibank MC (gross). I have a smattering of other, smaller balances across other cards that could also probably stand consolidating via BT. Concerning my app for the Freedom card, do you think it will be influenced by whether or not the $7K from AmEx is moved to CSP before I app? Will they so, so love having my BT business that they'll be more inclined to approve, more inclined to issue a large-ish CL? Or will they not really care whether I've BT'ed to them (yet) or not. (The third option, that this $7K of debt will "alarm" them upon BT'ing it to them, seems not worth looking at since of course the AmEx balance is already reporting every month to EX, which I'm pretty sure Chase pulls.) Also not sure how to time the BMO app, if I choose to go through with that. Seems like it ought to wait till after the Chase app since Chase is the more prestigious lender (meaning best to have as few hards showing as possible at the time of app); but on the other hand I have a really good history with Chase whereas I know nothing about BMO nor they about me (I've had a checking account with them for three years or so which I opened just for the $200 bonus; $250 is direct-deposited every payday which I usually withdraw quickly and deposit at BofA. Don't think I've ever had more than $1K in the BMO account for more than a week or so at a time - and rarely). Maybe BMO will object to the hard from Chase more than Chase would object to seeing a hard from BMO? Maybe apply for both at the same time, before either hard shows up for the other to look at? (I really don't think a hard shows up until 1 to 3 biz days after the app, or so has been my experience with myFICO - maybe the lenders get more real-time reporting?) : /
  2. I trust there was some kind of outrageous annual fee for whichever card you had? I can't see giving up the util benefits of a $40K credit line. I am just looking for a decent enough cl ($5K or higher) to accommodate those BT's for a good 15 months
  3. Thanks to both of you. I wish hd hadn't spoiled me with mention of that 2x bonus of TWENTY FREAKING THOUSAND DOLLARS?!?!?!? Now I feel like I shouldn't app either until another deal as sweet as that one comes along. And now also I'm tempted to app Slate for the no-fee balance transfer; as I have a $6,900 balance on my AmEx that... obviously... I'd like to put in a 0% APR place for a while : /
  4. See, I want to do a couple of balance transfers. I have been pre-qualified and pre-approved for Chase Freedom and Chase Freedom Unlimited, respectively; I've still not pulled the trigger on applying because I'm not sure of my strategy. BMO Harris (who haven't pre-approved/qualified me for anything, though I've had a checking account with them for a few years) offers a no-annual-fee Platinum MasterCard with 15 months of 0% on BT's. If I do apply, I figure it's best to do it after apping Chase Freedom on account of Chase is the more "prestigious" lender and therefore not let them see a hard inq from BMO (there's already 1 hard showing from my BofA Cash Reward MC app in February; no other hards in more than 2 years though). I don't know what kind of credit limits to expect from Chase Freedom (my CSP's been at $19K for a few years now and obviously I've been maintaining it responsibly enough to score the Freedom offers) or what BMO Harris might offer. I have about $2,700 owed on my State Farm Visa, which is 81% util on that fakakta card. : / (I also owe about $500 across my two CapitalOne cards and about $400 on Disco; it would be nice to have those moved to 0 as well.) Gracias for any info.
  5. Tell us more about your credit profile. It must be pretty thin if one late payment caused a "massive drop" in your score. ...or did it? Was the drop in your score reported anywhere other than Credit Karma?
  6. Logged in to Chase's website to pay my Sapphire Preferred type card, and I had some new messages. One said: See, you're already approved for Chase Freedom Unlimited®. Earn a $200 bonus plus unlimited 1.5% cash back on every purchase. No annual fee. And the other said: You're prequalified! Earn $200 cash back and get 5% cash back in bonus categories with Chase Freedom®. No annual fee, see. What ought I to do, here? Apparently, even though they are both no-annual-fee and both offer 15 months 0% on BTs, they are two different cards, the Freedom Unlimited and the Freedom...uh, Yes, Limited. You would think "Unlimited" would be the better card, yet the criteria would appear to be more stringent, as I am merely "pre-qualified" rather than pre-approved-like. (If I'm being thoroughly honest I find both offers strange, not just because I thought lenders were seriously guarding themselves during the coronapocalypse, but because my utilization is high-like and I just got that BofA Cash Rewards MC a few months ago (though there are no other hards on my file besides that one; I think it was my first new card since my Goodyear® card in 2016. However I have a nice history with Chase; have had CSP for four and a half years now.
  7. Welp. I'm not sure how I fell so far behind on this, but last February I had occasion to drive from North Haven, Connecticut (gross) to the Boston area, and in so doing I got to mail my Bank of America Visa type payment from the Ansonia yes ANSONIA post office, which was built in 1914 and became the 14th entry on my List of NRHP-Listed Post Offices I Have Mailed Things From: (I'm not sure I uploaded the photo to imgur correctly, so... bear with me here...) EDIT: Ok, looks good on my laptop. The upload, that is. Much as I love historic archimatecture, I have to raise a concern about this building's front door. It looks more like a 1962 thing than a 1914 thing, and I thought NRHP-listed properties had to obey rules about these kinds of things. : /
  8. See, on my receipt from Cub Foods in St. Louis Park, it says "3184" under where it says "Store." HOWEVER, on both my Discover and my AmEx BCE statements, this same store appears as "Cub Foods #01595." I visited the Cub in White Bear Lake earlier this week, where I was issued a receipt that said "9009" under where it said "Store." HOWEVER, in the "Activity" section of Discover's website, this merchant is listed as "Cub Foods #155629." What the heck. Why is there conflicting info about what the store # is, and which one am I supposed to use in my personal bookkeeping spreadsheet, in the name of optimal data quality?
  9. Not true; we still get access to lots of decent video content.
  10. I made a appointment coupla weeks ago to donate blood on 4/11. I wanted to be reminded of this on April 8th, and when that alert popped up I wanted to "Click to be reminded 1 day before event," Outlook-like. Outlook lets you do that, with one pop-up, an easy menu, and a click. Opening up the Calendar app and then opening up the event and setting a brand new reminder like I did when I first created the event is the work I am looking to save.
  11. See, one of MS Outlook's strengths is that when a reminder pops up for a appointment, you can snooze until x minutes or hours before start, or x minutes from "now" When I set a appointment reminder in my Google calendar, once the alert pops up it seems the only option is to snooze it for 15 minutes. Is there a calendar app out there that can integrate with Google calendar and also offer the customizable snoozage options à la Outlook?
  12. Don't know if this helps but I apped CSP in 2015, they pulled EX and EQ. Nothing was frozen.
  13. From the how-big-of-an-a-hole-can-you-possibly-be department: https://www.cnn.com/2020/03/26/us/woman-coughed-on-produce-trnd/index.html I do wonder what sort of mental health condition might ultimately be deemed an excuse for this. Instinctively I hope there isn't one and that they throw le libre at her.
  14. CSP still gives me (and everyone else) 2 points per dollar at restaurants, as always, and I am doing my bit to support small businesses including 1st Wok in Calhoun Village (I've lived two doors down from the blamed place for four years and kept saying, hmmm, I maybe oughtta try it - finally did that last Friday (because small business) and had the best Hunan-style bean curd I've ever had (plus kick-ass hot&sour soup (not gross))). AmEx SkyMiles Platinum is $195 per year, for which reason I probably ought not to have gotten it in the first place, which I am using as a serviceable reason to continue with it (you heard me). And I am 99.9% certain I will be canceling Citi Executive World Elite ($450) but that has absolutely nothing to do with #stayhome, it has to do with them all being Citiots. (I have no other AF cards.)
  15. I have $6,000 available credit on my $7K Disco line, and when I logged on to their website ten minutes ago and clicked on Credit Options > Balance Transfer, it said "Unfortunately there are no offers available at this time." What the heck; I thought Disco was always up for a BT. Is it because I was late a few times last year? Or do you think they are overall anxious these days about whether they'll actually be receiving payments : /

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