Joe

How do you eat your lobster? You eat whole fresh steamed lobster or do you mean the frozen lobster tails you get at steakhouses?

Yep. I've definitely gotten some travel credit with a SmartLink/MetroCard refill. Plus, you get $500 back in points value if you spend something like 4k in 3 months. When I signed up it was at $1k, making it a super no brainer.

How was it wrong? Too short or too long?

I agree with you on lobster and that's coming from a guy that was GM of the biggest lobster house in NYC for several years.

The credit refers to tolls, ubers and public transportation as well. My wife and I use the credit up in like 2 months.

It's more like $150 since you will be using the $300 travel credit very easily.

You should all apply for the Sapphire Reserve. It's truly magical.

The value of points is massive, though. You are really missing out if you dont have a credit card these days, especially if you like to travel.

I'm a big fan of Freedom Unlimited. 1.5% back on ALL purchases. You can combo it with a Sapphire Reserve since your points get you 1.5% more and you will get the absolute best bang for your points on the market.

That's awesome. You probably haven't opened a new card in a long time and are keeping your utilization under 10%. I'm jelly lol (I'm still great at 799, but would like to be higher).

I've never even paid a late fee to a cc company in my life, but what I mean by overemphasized is people end up thinking paying on time is the end all be all when it isn't at all. Credit utilization and age of credit matter way more.

Was the second card opened recently? Also, check your utilization. It matters way more than paying off every month.

People overemphasize how important it is to pay your card on time. It's actually not one of the biggest factors on your credit score. Plus, when you miss your deadline, it doesn't get reported to the credit bureaus unless it is over 30 days past due. Most people when they miss their deadlines just pay the late fees and don't have it end up being reported to the bureaus.

You're fright right? 850 is absurdly high at your age. Do you have a credit card that you've had since you were a child by any chance. Someone at your age should normally be precluded from having that high of a score on credit age alone.

I mean the no touching when they are on stage is a rule everywhere, but it sounds like in Ohio even lap dances are illegal.

Yay to discerning tastebuds!

Doesnt sound like he paid any interest on it.

He's p cool. I'd recommend reading about him.

Whatchu know about that pour over water buffalo mozzarella bro?

Si

The worst are the immigrants that are anti-illegal immigration like many in my larger family. Enjoy that citizenship broskies because youd be illegal today under current laws.

Thing is, it's the only type of pizza ever discussed here.

Woo!

Not nice lol.

She has lupus you douche.