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  1. I've noticed more in the past month. Unfortunately, based on history, this is a sign that cash might change to points. When it converts to points they can control the value of the points a lot more. In other words, 1 point does NOT always equal 1%.
  2. Citi is encouraging me to convert my cashback to TY points, is this the "beginning of the end" of another good card?
  3. They just gave me a $7k increase. I keep forgetting to check that button more often.
  4. In all seriousness, well I was serious about the dating, but one of the things I treasure the most from CB is making me aware of REWARDS!!!!!! My banks should be rewarding me for my business. I've turned into a cashback/points/miles guru because of these boards.
  5. And CB missed you! Where the hell have you been? CC! I miss those reward threads we used to have fun with. I'll make a post about where I've been sooner or later, but credit and dating had something to do with it.
  6. We don't have enough information to really give you a solid answer. But yes those mortgages could make a HUGE difference. Also, what is the source of these scores?
  7. Explain that one? Sent from my SAMSUNG-SGH-I747 using Tapatalk It's an old topic from years ago, I think it was deleted. The board spent weeks laughing at it. To make a long story short, I was dating a beautiful young woman and one night she offered to pay for dinner. I smiled and said sure and then she pulled out an "old orchard" credit card. My jaw dropped. And it was at the time when cards were color coded which indicated their annual fee and potential credit limits, so I had a pretty good idea of what was going on with her credit. Needless to say that relationship didn't last due to some of her financial decisions. Wait....I found it..... https://creditboards.com/forums/index.php?showtopic=438300&page=1 I really need to start a new topic on this situation. LOL
  8. I learned how to profile my dates based on their credit.
  9. For me it's peace of mind and control. I have 2 out of my 3 frozen and I'm very comfortable with my credit score. There will be no hard pulls by accident, and blah blah blah. I should be inquiry free on all 3 reports.
  10. I started the Sallie Mae threads years ago on multiple websites and I never applied for the card. LOL. I really need to consider getting that card.
  11. The Citi Forward isn't available anymore. Citi is notorious for this. Thanks for the update. I hope this doesn't take the Driver's Edge route of being shut down completely.
  12. I'm surprised the Citi Forward doesn't get more love. I also prefer "Befrugal" over "ebates." If someone needs a reference, pm me, we both get $5 back.
  13. That's interesting there was a letter sent out about a year ago saying they were charging a $25 annual fee unless you had an installment loan with them. The annual fee was for the "cash" gas card, not the "points" gas card. I have both in addition to their Amex.
  14. Yeah, you're right I misread his post. Yes, the Penfed is only unlimited because I have an auto loan with them which I just paid off so it'll be interesting if they stamp on that $25 annual fee. The Penfed Amex is less than a point. Needless to say, my Citi Forward, Penfed Cash, and Amex Blue Cash Preferred dominate my wallet.

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