What's In Your Wallet? April 2023/Q2

A year ago

Wed Apr 26, 2023 9:01 am

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 4 minutes Next Level in15 days, 3 hours, and 56 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 4 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 4 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 4 minutes ago

CreditAggie wrote: ↑Tue Apr 25, 2023 1:51 pm BofA CCR for 5.25% on online shopping and 1.75% on everything else (I still don't know how I qualify for this since I have had nowhere near $100K in the bank ever.)

So you're getting preferred rewards benefits that you don't qualify for? That's the first I've heard of this. Has this always been the case with your CCR?

A year ago

Wed Apr 26, 2023 10:13 am

CreditAggie

Seasoned RebelSoft pull CLIs for the win

Level7 Last INQWednesday, January 10, 2024 Gardening For7 months, 28 days, 20 hours, and 4 minutes Next Level in2 days, 3 hours, and 56 minutes on September 10th INQ 1yr onFriday, January 10, 2025 INQ 1yr in4 months, 2 days, 3 hours, and 56 minutes INQ 2yr onSaturday, January 10, 2026 INQ 2yr in1 year, 4 months, 2 days, 3 hours, and 56 minutes Goal12 months Goal DateFriday, January 10, 2025 Goal In4 months, 2 days, 3 hours, and 56 minutes

BrutalBodyShots wrote: ↑Wed Apr 26, 2023 9:01 am
CreditAggie wrote: ↑Tue Apr 25, 2023 1:51 pm BofA CCR for 5.25% on online shopping and 1.75% on everything else (I still don't know how I qualify for this since I have had nowhere near $100K in the bank ever.)
So you're getting preferred rewards benefits that you don't qualify for? That's the first I've heard of this. Has this always been the case with your CCR?

Yes. I have had the Preferred Rewards on the CCR since I got the card in 2019.

A year ago

Wed Apr 26, 2023 12:31 pm

805orbust

Seasoned Rebel

805orbust has passed the 12 month threshold!
No scorable inquiries on file!
805orbust has achieved the Garden Goal !!

Level17 Last INQWednesday, March 15, 2023 Gardening For1 year, 5 months, 23 days, 20 hours, and 4 minutes Next Level in7 days, 3 hours, and 56 minutes on September 15th INQ 1yr onFriday, March 15, 2024 INQ 1yr reached5 months, 23 days, 20 hours, and 4 minutes ago INQ 2yr onSaturday, March 15, 2025 INQ 2yr in6 months, 7 days, 3 hours, and 56 minutes Goal12 months Goal DateFriday, March 15, 2024 Goal Achieved5 months, 23 days, 20 hours, and 4 minutes ago

Redstone Visa Siggy for that 5% on gas (2 tanks per week), and Disco because I'm tryna raise that limit so I'm riding them into the sunset for a few. South Jamaica said they like attention so im'a find out!

A year ago

Wed Apr 26, 2023 12:55 pm

JoeRockhead

Seasoned Rebel

JoeRockhead has passed the 12 month threshold!
No scorable inquiries on file!

Level18 Last INQMonday, March 6, 2023 Gardening For1 year, 6 months, 1 day, 20 hours, and 4 minutes Next Level in28 days, 3 hours, and 56 minutes on October 6th INQ 1yr onWednesday, March 6, 2024 INQ 1yr reached6 months, 1 day, 20 hours, and 4 minutes ago INQ 2yr onThursday, March 6, 2025 INQ 2yr in5 months, 26 days, 3 hours, and 56 minutes Goal24 months Goal DateThursday, March 6, 2025 Goal In5 months, 26 days, 3 hours, and 56 minutes

805orbust wrote: ↑Wed Apr 26, 2023 12:31 pm Redstone Visa Siggy for that 5% on gas (2 tanks per week), and Disco because I'm tryna raise that limit so I'm riding them into the sunset for a few. South Jamaica said they like attention so im'a find out!

I'm still riding my AMEX BCP pretty heavily, I don't know why, I just am, lol. On the business side My Ink Unlimited seems to be my go to, probably because they gave me a good auto bump on it after the 4th statement cut so lets just say I'm testing my strategy with them, for science. I've tried with Miss Disco and she's been mostly cold to me, so I'm just another jilted lover as I really don't have it in me to fight for her at the moment. Maybe your experience will inspire me @805orbust

A year ago

Wed Apr 26, 2023 7:23 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 4 minutes Next Level in15 days, 3 hours, and 56 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 4 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 4 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 4 minutes ago

805orbust wrote: ↑Wed Apr 26, 2023 12:31 pm Redstone Visa Siggy for that 5% on gas (2 tanks per week), and Disco because I'm tryna raise that limit so I'm riding them into the sunset for a few. South Jamaica said they like attention so im'a find out!

Good old SJ... let him know to head on over here for some discussion. I want to ask him about his 1% utilization "thresholds" as it's been a couple of years now...

A year ago

Wed Apr 26, 2023 8:31 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 4 minutes Next Level in20 days, 3 hours, and 56 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 56 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 56 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 56 minutes

BrutalBodyShots wrote: ↑Wed Apr 26, 2023 8:59 am
ToxikPH wrote: ↑Sun Apr 09, 2023 11:47 am man i need to get down in my total number, managing only 9 sounds way better than whatever the heck i'm doing right now. i mean shoot i have 12 cards just between amex and citi
I think there's something to be said for a minimalist setup. I envy those with 4-5 cards that are perfectly content and hope one day I'll get there. I toy with closing down a card or two every now and again. If I had to make a 2 card change, it would definitely be deducting 2 to go down to 7 rather than adding 2 to go up to 11.

Those people are crazy… brother was like I am good with just my 2 boa cards I use the red one usually, for the 3% gas I am like can’t with you not today… I have to go..

A year ago

Thu Apr 27, 2023 8:24 am

805orbust

Seasoned Rebel

805orbust has passed the 12 month threshold!
No scorable inquiries on file!
805orbust has achieved the Garden Goal !!

Level17 Last INQWednesday, March 15, 2023 Gardening For1 year, 5 months, 23 days, 20 hours, and 4 minutes Next Level in7 days, 3 hours, and 56 minutes on September 15th INQ 1yr onFriday, March 15, 2024 INQ 1yr reached5 months, 23 days, 20 hours, and 4 minutes ago INQ 2yr onSaturday, March 15, 2025 INQ 2yr in6 months, 7 days, 3 hours, and 56 minutes Goal12 months Goal DateFriday, March 15, 2024 Goal Achieved5 months, 23 days, 20 hours, and 4 minutes ago

Beefy wrote: ↑Wed Apr 26, 2023 8:31 pm
BrutalBodyShots wrote: ↑Wed Apr 26, 2023 8:59 am
ToxikPH wrote: ↑Sun Apr 09, 2023 11:47 am man i need to get down in my total number, managing only 9 sounds way better than whatever the heck i'm doing right now. i mean shoot i have 12 cards just between amex and citi
I think there's something to be said for a minimalist setup. I envy those with 4-5 cards that are perfectly content and hope one day I'll get there. I toy with closing down a card or two every now and again. If I had to make a 2 card change, it would definitely be deducting 2 to go down to 7 rather than adding 2 to go up to 11.
Those people are crazy… brother was like I am good with just my 2 boa cards I use the red one usually, for the 3% gas I am like can’t with you not today… I have to go..

Y'know, 'intellectually' I desire to go down In the number of cards, however not the aggregate so much. I had 25 at one point and started chopping. I hopped quite a few cards, but then Chase pre-approved me for the Ink, and then there was the BHG Money a,d the GM Card for my personal LLC, and then Redstone and boom, back up to 22. BUT, as my limits grow (I'm feverish about that now) I will cut back again. Ideally 10 would work, but... First world problems.

A year ago

Thu Apr 27, 2023 12:46 pm

ToxikPH

Rebel AdministratorProbably Applying for New Cards

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 4 minutes Next Level in15 days, 3 hours, and 56 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 56 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 56 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 56 minutes

805orbust wrote: ↑Thu Apr 27, 2023 8:24 am
Beefy wrote: ↑Wed Apr 26, 2023 8:31 pm
BrutalBodyShots wrote: ↑Wed Apr 26, 2023 8:59 am I think there's something to be said for a minimalist setup. I envy those with 4-5 cards that are perfectly content and hope one day I'll get there. I toy with closing down a card or two every now and again. If I had to make a 2 card change, it would definitely be deducting 2 to go down to 7 rather than adding 2 to go up to 11.
Those people are crazy… brother was like I am good with just my 2 boa cards I use the red one usually, for the 3% gas I am like can’t with you not today… I have to go..
Y'know, 'intellectually' I desire to go down In the number of cards, however not the aggregate so much. I had 25 at one point and started chopping. I hopped quite a few cards, but then Chase pre-approved me for the Ink, and then there was the BHG Money a,d the GM Card for my personal LLC, and then Redstone and boom, back up to 22. BUT, as my limits grow (I'm feverish about that now) I will cut back again. Ideally 10 would work, but... First world problems.

I do this same thing, I cut down maybe 6 last year and now I'm up like 10 from that point. It never seems to stay down.

A year ago

Thu Apr 27, 2023 1:53 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 4 minutes Next Level in20 days, 3 hours, and 56 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 56 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 56 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 56 minutes

ToxikPH wrote: ↑Thu Apr 27, 2023 12:46 pm
805orbust wrote: ↑Thu Apr 27, 2023 8:24 am
Beefy wrote: ↑Wed Apr 26, 2023 8:31 pm Those people are crazy… brother was like I am good with just my 2 boa cards I use the red one usually, for the 3% gas I am like can’t with you not today… I have to go..
Y'know, 'intellectually' I desire to go down In the number of cards, however not the aggregate so much. I had 25 at one point and started chopping. I hopped quite a few cards, but then Chase pre-approved me for the Ink, and then there was the BHG Money a,d the GM Card for my personal LLC, and then Redstone and boom, back up to 22. BUT, as my limits grow (I'm feverish about that now) I will cut back again. Ideally 10 would work, but... First world problems.
I do this same thing, I cut down maybe 6 last year and now I'm up like 10 from that point. It never seems to stay down.

I think it is that VISA tramp stamp it makes you do foolish things… write that in your journal.

A year ago

Thu Apr 27, 2023 2:16 pm

ToxikPH

Rebel AdministratorProbably Applying for New Cards

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 4 minutes Next Level in15 days, 3 hours, and 56 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 56 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 56 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 56 minutes

Beefy wrote: ↑Thu Apr 27, 2023 1:53 pm
ToxikPH wrote: ↑Thu Apr 27, 2023 12:46 pm
805orbust wrote: ↑Thu Apr 27, 2023 8:24 am Y'know, 'intellectually' I desire to go down In the number of cards, however not the aggregate so much. I had 25 at one point and started chopping. I hopped quite a few cards, but then Chase pre-approved me for the Ink, and then there was the BHG Money a,d the GM Card for my personal LLC, and then Redstone and boom, back up to 22. BUT, as my limits grow (I'm feverish about that now) I will cut back again. Ideally 10 would work, but... First world problems.
I do this same thing, I cut down maybe 6 last year and now I'm up like 10 from that point. It never seems to stay down.
I think it is that VISA tramp stamp it makes you do foolish things… write that in your journal.

Visa tramp stamp.?

A year ago

Fri Apr 28, 2023 10:12 am

805orbust

Seasoned Rebel

805orbust has passed the 12 month threshold!
No scorable inquiries on file!
805orbust has achieved the Garden Goal !!

Level17 Last INQWednesday, March 15, 2023 Gardening For1 year, 5 months, 23 days, 20 hours, and 4 minutes Next Level in7 days, 3 hours, and 56 minutes on September 15th INQ 1yr onFriday, March 15, 2024 INQ 1yr reached5 months, 23 days, 20 hours, and 4 minutes ago INQ 2yr onSaturday, March 15, 2025 INQ 2yr in6 months, 7 days, 3 hours, and 56 minutes Goal12 months Goal DateFriday, March 15, 2024 Goal Achieved5 months, 23 days, 20 hours, and 4 minutes ago

DYING!! I'm gonna figure this one out!! Literally can't handle managing so much anymore... although my system is VERY effective.

A year ago

Fri Apr 28, 2023 2:05 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 4 minutes Next Level in6 days, 3 hours, and 56 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 4 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 4 minutes ago

Beefy wrote: ↑Thu Apr 27, 2023 1:53 pm
ToxikPH wrote: ↑Thu Apr 27, 2023 12:46 pm
805orbust wrote: ↑Thu Apr 27, 2023 8:24 am Y'know, 'intellectually' I desire to go down In the number of cards, however not the aggregate so much. I had 25 at one point and started chopping. I hopped quite a few cards, but then Chase pre-approved me for the Ink, and then there was the BHG Money a,d the GM Card for my personal LLC, and then Redstone and boom, back up to 22. BUT, as my limits grow (I'm feverish about that now) I will cut back again. Ideally 10 would work, but... First world problems.
I do this same thing, I cut down maybe 6 last year and now I'm up like 10 from that point. It never seems to stay down.
I think it is that VISA tramp stamp it makes you do foolish things… write that in your journal.

Now I never want to touch my Citi Costco Visa Signature again.

(It did make me do foolish things too.)

A year ago

Fri Apr 28, 2023 3:45 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 4 minutes Next Level in20 days, 3 hours, and 56 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 56 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 56 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 56 minutes

Cassie wrote: ↑Fri Apr 28, 2023 2:05 pm
Beefy wrote: ↑Thu Apr 27, 2023 1:53 pm
ToxikPH wrote: ↑Thu Apr 27, 2023 12:46 pm I do this same thing, I cut down maybe 6 last year and now I'm up like 10 from that point. It never seems to stay down.
I think it is that VISA tramp stamp it makes you do foolish things… write that in your journal.
Now I never want to touch my Citi Costco Visa Signature again. (It did make me do foolish things too.)

Soccer mom sweat pants while picking up only the finest in boxed wine?

A year ago

Sat Apr 29, 2023 4:23 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 4 minutes Next Level in6 days, 3 hours, and 56 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 4 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 4 minutes ago

Beefy wrote: ↑Fri Apr 28, 2023 3:45 pm
Cassie wrote: ↑Fri Apr 28, 2023 2:05 pm
Beefy wrote: ↑Thu Apr 27, 2023 1:53 pm I think it is that VISA tramp stamp it makes you do foolish things… write that in your journal.
Now I never want to touch my Citi Costco Visa Signature again. (It did make me do foolish things too.)
Soccer mom sweat pants while picking up only the finest in boxed wine?

In a Dodge Durango or GMC Suburban, no less. Speaking of Target, I haven't been there in a long time.