Joe

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

19 minutes ago, CastlevaniaNut18 said:

I don't want any CC that I have to pay an annual fee on.

 

Maybe if I ran a business where I had to put huge amounts on it to make it worth it. But $450 a year for me? Fuck that.

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.

8 minutes ago, Chris- said:

My main card is my Amazon Visa, which I use for 99% of my purchases and pay off every month; I then have a PNC credit card that I use for large purchases that I pay off over time. That system works pretty well.

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).

10 minutes ago, SaysWho? said:

 

I'd rather not play the late fees, so on-time it is.  

 

It's important to pay on-time anyway, so I think it's emphasized properly, but YMMV. What I pay monthly for my car is about as low as it possibly could go with no money down (only paying about $17 more a month than on my previous car).

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.

11 minutes ago, PaladinSolo said:

I had an 849 last year before i got my car, had a card since i was 18, use it for just about everything except lunch, pay it off every month, now i'm looking for a house and 2 are over 800 and my Transunion is like 770 something for some reason, and honestly it doesn't make much sense as all of them say i have too many accounts or some shit, but all i have is 2 cards one i never use, 1 car payment and my current mortgage, and they don't list anything other than those so theres no shenanigans with someone opening cards or some shit.

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.

2 hours ago, SaysWho? said:

I'm forever glad my mom instilled paying things off when they're due. I'm excluding times when you just can't help your credit score failing (I know a few people with failed business ventures who experienced this), but I've never cared what my card's interest rate is because I never go overdue. Make it a habit, and keep bill emails in your inbox (not deleted) to always remind you.

 

My score is 850, which helped dramatically lower payments of my new car.

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.

13 minutes ago, Jason said:

 

Yay to discerning tastebuds!

35 minutes ago, RedSoxFan9 said:

This classy elegant brain genius racked up huge credit card debt...by buying Nats tickets 

Doesnt sound like he paid any interest on it.

1 hour ago, Jason said:

 

Who's Beto? I only know about "Texas Democrat". 

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

42 minutes ago, Dodger said:

Maybe you can tell us about third wave pizza

Whatchu know about that pour over water buffalo mozzarella bro?

39 minutes ago, Keyser_Soze said:

 

Jose sad no one talks about basil on their pizza. ?

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.

40 minutes ago, Chris- said:

As always, it's worth pointing out that basically all chain pizza is fine, and y'all need to temper the hyperbole when talking about food that is served in a cardboard box.

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

Woo!

51 minutes ago, Boyle5150 said:

So he def made the right choice.  

Not nice lol.

4 hours ago, Boyle5150 said:

Selena Gomez without makeup is ugly af, and she already starting to plumpity plump plump it up. 

She has lupus you douche.

On 7/6/2018 at 9:17 PM, Jason said:

 

Corn is just about the stupidest thing you can try to make biofuels out of.

Sugar ethanol is far more efficient, right?

On 7/6/2018 at 8:02 PM, SFLUFAN said:

A transition of American farmers away from soybean cultivation would not be a bad thing.

If we could get off soy and corn, it would be a wonderful thing. 

48 minutes ago, Chris- said:

 

You successionist scum. 

There are no worse homers in the world than soccer homers, especially Madrid/Ronaldo fans. Today is great.

1 minute ago, RedSoxFan9 said:

Who is to blame—the Flemish or Walloons?

The Walloons, always.