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About brainchasm

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    BS Detector
  • Birthday 11/25/1975

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  1. Congrats! I attached mine to my USAA checking as free no-fee overdraft protection.
  2. Sure, why not? They were running Fabulite (strontium titanate). It's too soft for rings and bracelets (5.5 Mohs) but it can serve in no-impact stuff like necklace charms and earrings. It's got ~4x the fire of diamonds, and it's cheap af.
  3. I got a JTV.com store card. :3 Approved for $2500, Synchrony. (I bought cheap shinies for the GF)
  4. Frankly, I'm surprised it's free. Nothing else at CreditOne is... Some months back, I got headhunted by a recruiter for a higher-level sysadmin job. For CreditOne. I told them yes, I am looking for work, and yes, a bigger paycheck would be nice, but I'll set myself on fire before I work for someplace that gross and predatory. They had no idea about any of it, so I let them know. They just saw it as local-bank-in-las-vegas-needs-person
  5. Just to offer a counterpoint: I had 33k in open credit with Chase. I didn't ask for a CLI, but app'd a Slate. They approved...for $500. Which is the same thing they did when I app'd my Freedom some time back, and also I think the Amazon. You can definitely run into their exposure limits, likely based on income.
  6. It's sooo worth it! We did this in April of this year. I converted UR points to Hyatt, and then bought some points too to get one more night. We did six nights at the Park Hyatt, and then a couple nights at a cheapie (but clean and new) place in Queens, just to make the trip to JFK at the end a bit more bearable (and I had run out of points). The Marriott or whatever is in the way of the Central Park view, but it's whatevs. Everything at the Park Hyatt was perfect for us.
  7. 15k -> 17.5k on a Barclaycard Ring after a little chitchat with them. (they prefer TU)
  8. It's been just under a year, so I hit it again. +2k for zero effort. I'll take it!
  9. Vehicle secured. Ended up with a hot hatch; 2019 Hyundai Elantra GT N-Line. 200hp, 7 speed auto with DCT and paddle shifting. Happy for a new car, sad for a new loan. C'est la guerre.
  10. Slightly different tack... Pre-approved for up to $30k auto loan at 3.69% for five years, with NFCU. It was understood that I would get approved, etc. My car got totaled and my loan paid off, so I'm practically just reinstating the loan from before. (going for a 2020 Hyundai Elantra Limited or Sport, with a SWAG on a 2020 Veloster N)
  11. Reminds me of the AMEX Zync. Pure white, and sparkly. The Edward Cullen of charge cards.
  12. The July offers marked my 2yr 1mo with PenFed. Still haven't seen an offer. Have checking and savings (obv empty), and a $12k CC that I don't bother using anymore. If complacency wasn't so easy, I would close them out for the sake of housekeeping, but eh. :effort:
  13. Only two that I can think of, and while I can't remember one, the other is Wisconsin. SOL expiration in WI squashes both the right, AND the remedy.

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