I love credit cards so much! v2.0 (see first page for add'l details)

[disneymagicgirl]

I think if you can’t afford the cost of a chicken sandwich where the worker making your sandwich is making a living wage you can’t afford the chicken sandwich. Just like if you can’t afford to tip 20% of your meal to your server you can’t afford to go out to eat.

I'm trying really hard here to just keep scrolling...

 

[wed100105]

It seems foolish for me not to take advantage of the disney visa premiere offer. Please tell me what i have to keep track of and do to downgrade back later without causing a problem for myself.

What is this offer? I've seen it mentioned before, but don't know how to find it. I have the no AF Disney visa.

 

[Judique]

I have to respectfully disagree, mainly because Amex is a company I cover for a living (research analyst). The common misperception is Amex doesn’t make much on interest charges given their higher quality portfolio; yes and no. While Amex boast higher asset quality than their fellow peers, they have had to expand their customer base given earnings pressure and margin compression, and with that, interest fees. Small business loans, and believe it or not, personal loans, do account for a meaningful stream of revenue, but you are correct in that in its unique capacity as both a payment processor and its own bank, a sizable portion is attributed to interchange fees, but that has since been diversified.

I need to stop before I put everyone to sleep...

Well, actually, you may have explained why my interest rate surged with Amex maybe 10 or 12 years ago and ticked me off! I was carrying a balance and had a fairly reasonable rate of interest 9-10 if I remember correctly. And, they jumped it up to 13. I called and wailed and complained and the answer was 'everybody's rate went up'. I did a 0 % balance transfer, paid it off and never paid a penny in interest ever again.

 

[disneymagicgirl]

Cannot even believe the magical agency thread is still open!! What is this board coming to!?!

I think that every time I open the budget board!

 

[disneymagicgirl]

I'm getting a 2nd DP of this from r/churning. Did that charge actually post or are you seeing it in the pending calculation? This could already be dead guys...

Bolding just so those skimming don't miss this:
3x ON CIP WITH PLASTIQ IS DEAD! Multiple DPs coming in of 5/8 charges posting at 1x...

 

[disneymagicgirl]

My DH too. He's even told me that he's now scared to try another cruise line because of Disney service.

My DH doesn't even like Disney, and he also will only cruise DCL.

 

[disneymagicgirl]

So I know what some of you were saying when you wondered how mother/child trips happen without DH feeling left out. I've been getting the hints that he is happy for me but sad he won't be there. Plus with DD being 3, she doesn't get why daddy wouldn't be there. sigh. So I'm going to wait on the mother daughter trip until she's a bit older, and DH is coming for Memorial Day weekend. Luckily I have points to grab him a flight ( with RR's) and ticket (with Citi points) today.
$0 oop but boy these points just keep flying out of my accounts. Time to get more I guess!

We will be there too! where are you staying?

 

[1st*toright]

Not unless you have a commercial pizza oven.

Wow. Harsh. I didn't say I made NYC pizza at home - you're right that you can't get the super thin crust with just the right amount of crunch and chew without a commercial oven, but that kind of pizza also turns to cardboard 10 minutes after it is baked. Mine is not as thin, but holds up better as leftovers. Its ok, I just won't share any of my homemade pizza with you.

I follow chef Michael Simon from the chew and iron chef on twitter and he tweeted yesterday that they look for someone that will fit in at the restaurant because they can teach someone to cook. Seems like this was the same type of thought being done and what should be done more often everywhere. You can see if someone has the skills or not from their resume and references but you can't tell personality ans with the awful questions used you still can't. I wish they'd just do interviews as more of a conversation and allow the tangents etc because those are always more comfortable.

I get the point, and agree that fit is important. However, saying that "fit" it the primary criteria can breed pretty homogeneous employee groups. "Fit" was important to a former boss of mine, and I wound up working in an office entirely populated by white guys who played golf. They fit in great, and were very comfortable with each other, but it didn't offer a lot of opportunity for women or minorities to get hired. He would have said that he wanted to hire a woman or a minority, but that the candidates just wouldn't fit into the team. (Not sure what it says about me that I was pretty much the only girl he hired, and I don't even like sports!)

Not to say that people can't be aware of their own biases and expand their definition of "fit" to accommodate a wider range of candidates, but there is a lot of temptation to say that the right "fit" is someone who is culturally similar to me, or a lot like the last couple of people I hired, rather than someone who can be coached to deliver the kind of service you're trying to deliver. Hiring is really tough - I've gotten it right, and I've gotten it really wrong, which can be a giant pain.

 

[vanjust14]

@wendow @disneymagicgirl , that *** thread really gets me too!

@speedyfishy , how did you make out with those sunrise vgcs at walmart? Was it just that cashier?

 

[vanjust14]

We will be there too! where are you staying?

Yes, I plan to stalk, I mean, look for you!! We will be at Swan on the 25th and GF villas 26th to 28th.

 

[vanjust14]

@wendow @disneymagicgirl , that *** thread really gets me too!

@speedyfishy , how did you make out with those sunrise vgcs at walmart? Was it just that cashier?

Quoting myself because I can't even mention it in a post, but it can have its very own thread with the name IN THE TITLE!?

 

[punkin]

So DH referred me for the United card and it's only showing a 40k offer (plus 10k for him). The public offer is 2 tired for a total of 60k. But that's another 8k of spend. I'm not sure what to do. Also, it's a chase 5/24 slot which micht be better served with a different card.

 

[speedyfishy]

@wendow @disneymagicgirl , that *** thread really gets me too!

@speedyfishy , how did you make out with those sunrise vgcs at walmart? Was it just that cashier?

I still have them. I was thinking of trying another Walmart next week. Worse comes to worse I’ll just use them at Best Buy for Disney gift cards

 

[pinkxray]

Bummer about the 1x coding on Plastiq. I would love to go for the CIP2 but it’s hard for me hit $5000 in 3 months.

Good news on my Barclay AA. I got approved! I decided to call in since the status link says I haven’t applied in 90 days. I had to be transferred 3 times and asked some questions about my business. It took about 20 minutes and the guy in the credit department was able to approve me once I gave him all the info. I have a small credit limit. He said he could make it More if I wanted to shift some from my two personal cards.
I also asked about matching to the 65000 offer but I’d have to talk to customer service and I had to get back to work. I will try messaging them later.

 

[Albort]

sigh, my goal for 100k UR by the end of the year just got harder with Plastiq no longer coding 3x...

#firstworldchurningproblems

 

[Lain]

Was you card expiring? That would be consistent with what Marriott told me, that I would get a replacement card with new branding only when my current card was about to expire and then I wouldn’t be able to use the old one. I am hoping that’s the case. DD has my Marriott card as her only CC there and it shouldn’t expire anytime soon. She does have her Schwab Debit card but no other CC so hoping they don’t just randomly send me a new card.

Nope. Not expiring til 2024.

 

[Judique]

Lol! I am not that married to Papa John's that I cannot find better. Just the best I have right now. And that isn't saying much. Occasionally I pop a frozen pizza in the oven and I am as pleased with that as PJ's. Pretty sad, right!?!

I would prefer to pop a Dijorno's frozen pizza for 1 in the oven then eat Papa Johns pizza. I just can't eat that stuff. I can eat their garlic bread sticks though, so when the choices start to get boring, I'll get their bread sticks and maybe a few chicken pieces.

Last night we had Dominos. It was okay. I gave them up years ago, but daughter ordered it.

Pizza Hut - I will eat stuffed crust once in a while, but the good pizza hut shut down. The bad one is still open. (We have multiples of everything here.)

And, the Chinese take out versus Panda Express - both sub par as far as I'm concerned. I like Chinese food, but it's got to be good. I'm convinced that someone owns every single Chinese place around here and that they are now all the same with different names just to try to look like independents.

 

[pillow]

Just confirming CIP 3x on Plastiq is dead. My charges posted on 5/8 and only earned 1x. Boo!

 

[1st*toright]

sigh, my goal for 100k UR by the end of the year just got harder with Plastiq no longer coding 3x...

#firstworldchurningproblems

meh, just get another CIP OR 5

And, the Chinese take out versus Panda Express - both sub par as far as I'm concerned. I like Chinese food, but it's got to be good. I'm convinced that someone owns every single Chinese place around here and that they are now all the same with different names just to try to look like independents.

Or they all order the same "Chinese" sauces from the same food supplier, so it all just tastes the same...

I whine about living in a fairly high COL area, but I do appreciate that we have lots of great restaurant options (even if I mostly eat at home to save $$$, its nice to have the variety when we do eat out).

 

[Judique]

Please tell me more about this cupcake place. It's not Georgetown Cupcakes is it? Don't tell me if it is cause I'll just be sad, I refuse to stand in line for cupcakes.

Back when I was working I used to have an employee who brought these to me (from his other job). He worked at some swanky salon that had these for their customers and I would end up with a dozen or so every few weeks. Of course I shared but they are very nice! And then, when another employee found out I liked them, I got ones that her daughter created with fillings etc that were also excellent - daughter did it professionally.

There was a pretty good cupcake place on King St in Alexandria (forget the name), and it's probably a year since I've had a cupcake there, but worth skipping dessert if your eating out and going for cupcakes and coffee.