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

[SouthFayetteFan]

Ha! Horseback riders here, remember? DH is an actual cowboy!

Hey - whatever keeps it interesting You don't have to explain it to us...

 

[DisneyMandC]

Hey - whatever keeps it interesting You don't have to explain it to us...

Custom chaps are too expensive for anything other than their intended horseback riding usage!!


The $400 I paid today was on top of the deposit I paid 8 weeks ago!

 

[Lain]

Custom chaps are too expensive for anything other than their intended horseback riding usage!!


The $400 I paid today was on top of the deposit I paid 8 weeks ago!

No price is too much to look good (and show off your goods) at the Folsom Street Fair!

 

[DisneyMandC]

No price is too much to look good (and show off your goods) at the Folsom Street Fair!

Oh lord now you’re going to have innocent bystanders in here googling what Folsom is

 

[amalone1013]

We broke down and went to Staples for VGCs for the ILs cruise, so they'll probably run a no fee deal in the next week or two. You're all welcome

 

[Haley R]

Oh lord now you’re going to have innocent bystanders in here googling what Folsom is

Omg what did I just see?!!! My eyes are burning

 

[SouthFayetteFan]

Oh lord now you’re going to have innocent bystanders in here googling what Folsom is

I can't unsee that.......................

 

[SouthFayetteFan]

In today's tale of STRANGE churning redemptions...

I used MRs for a Bed Bath & Beyond Gift Card to purchase a new anti-fatigue kitchen mat, dish drainer, and Cookie Press (whatever that is) for my wife...

This on the heels of using MRs for a Home Depot gift card for a Roku to replace one of my Comcast boxes...

Meanwhile, @calypso726 is enjoying a shower in the sky as I happily redeem MRs at 1cpp for gift cards to major retailers. And this my friends, is why there is truly no BAD way to churn Both of us are very happy with our redemptions...

(Mind you that all of these MRs were earned from tons of r/churning clicks last year so I didn't actually signup for cards to get them)...

 

[WVMomof3]

Oh lord now you’re going to have innocent bystanders in here googling what Folsom is

Raises hand. Pretty interesting pics.

 

[Lain]

Oh lord now you’re going to have innocent bystanders in here googling what Folsom is

Why? Don’t do that!

 

[EACarlson]

I would be more trustful of people here lol.



What is your advice on cleaning up credit profile? I have been laying low since opening 6 cards in 2017. 3 will be falling off in June
and the other 3 in Nov/DeC. So by end of year i want to be 0/24. I logged into Credit Karma this morning after months and see
i have 8 or 9 cards that don't get used. Should i close them? Is it true you should lower your credit limit before closing? I did that
with my Alaska one yesterday because I want to close it after June Alaska trip.

Really I want to try to get Chase Ink P end of the year/2020 maybe Bonvoy or Hilton and/or MAYBE the Alaska card again.
The Chase one is the main target so I want to clean things up before applying. Thank you

Current Fico 840

IF you're FICO is 840, not Credit Karma, you have absolutely nothing to worry about from anyone. I would only close cards that have an annual fee or you need to make room for more cards from that issuer. Some banks continue to include credit lines that are closed in their consideration of future lines. Again, with an 840 I don't see an issue there unless you have huge lines you're not using.

 

[Albort]

Found it. Ok that was weird.

rubber ducks huh? I was prepping a present for a friend once, bought a bag that was way too big... turns out i didnt have any of those paper fillers to fill the bag with...
thank god i had a bag of rubber duckies... they made the perfect paper fillers...

proof:
[

 

[amalone1013]

rubber ducks huh? I was prepping a present for a friend once, bought a bag that was way too big... turns out i didnt have any of those paper fillers to fill the bag with...
thank god i had a bag of rubber duckies... they made the perfect paper fillers...

proof:
[

Alright now I'm gonna have to buy a bag of rubber duckies for gift filler

 

[elgerber]

A couple years ago I had a dozen rubber duckies on the dashboard of my Escape.

 

[kidsfirsttrip]

Custom chaps are too expensive for anything other than their intended horseback riding usage!!


The $400 I paid today was on top of the deposit I paid 8 weeks ago!

I was gonna say kind of an expensive kink but who am I to judge???!!!

 

[disneymagicgirl]

In today's tale of STRANGE churning redemptions...

I used MRs for a Bed Bath & Beyond Gift Card to purchase a new anti-fatigue kitchen mat, dish drainer, and Cookie Press (whatever that is) for my wife...

This on the heels of using MRs for a Home Depot gift card for a Roku to replace one of my Comcast boxes...

Meanwhile, @calypso726 is enjoying a shower in the sky as I happily redeem MRs at 1cpp for gift cards to major retailers. And this my friends, is why there is truly no BAD way to churn Both of us are very happy with our redemptions...

(Mind you that all of these MRs were earned from tons of r/churning clicks last year so I didn't actually signup for cards to get them)...

This is actually genius for those of us who don't know what to do with our amex points. Use them to buy gc and shuffle that money that would've otherwise been spent to the vacation column in our budgets...thus gettin 1cpp instead of the amex cashout rate (that I have been seriously pondering for my May trip.) And I actually need another roku. I bought an ultra about a week ago and like it so I'm getting more now. I cancelled our directv last week...whoohoo! What are some other good retailers I can cash out for?

 

[DisneyMandC]

I was gonna say kind of an expensive kink but who am I to judge???!!!

I haven’t even told you guys about the custom spurs...

 

[amalone1013]

I haven’t even told you guys about the custom spurs...

Keep away from mouth

 

[SouthFayetteFan]

This is actually genius for those of us who don't know what to do with our amex points. Use them to buy gc and shuffle that money that would've otherwise been spent to the vacation column in our budgets...thus gettin 1cpp instead of the amex cashout rate (that I have been seriously pondering for my May trip.) And I actually need another roku. I bought an ultra about a week ago and like it so I'm getting more now. I cancelled our directv last week...whoohoo! What are some other good retailers I can cash out for?

Yeah - I definitely expense the item in the appropriate category and call this stuff “Vacation Savings”!

My rule is I will only do it at 1cpp. The options I’ve found for this that allow me to buy stuff I would’ve purchased anyway are:

• Barnes and Noble
• Bed bath and beyond
• Olive Garden
• Home Depot

They also have other 1cpp options like Staples, Gap, etc that don’t float my boat.

Target and a Walmart are unfortunately at a much worse rate.

 

[disneymagicgirl]

At WDW and dd3 is napping so I'm trying to catch up on churning.

I've concluded that I can't do moderate resorts. The travel time with the internal bus loop is unacceptable. (diva) I've resorted to getting off at POFQ and walking to my room at POR...9 mins...shorter than 4 more bus stops. Sigh.
Also, the floorplans are such that your sleeping area is right by the noisy door/walkway outside. It is flip flopped at deluxe so much quieter IMO. And of course at a deluxe you can open your blinds without everyone walking by looking in your room. OK, I admit, I am a hotel princess. Back to deluxe I go in May. I will say the ground are really pretty here. And I'd like to try the Boatwrights place for dinner...shrimp and grits...,yum!

EMM at DHS is probably the best money I've spent at WDW...or possibly 2nd to DAH MK. It is better than EMM MK due to the food. Holy moly the food was amazing. Or maybe I was starving b/c it was 10am and I got up at 6am, but whatever. Amazing. I had shrimp and grits (noticing a pattern here?) and the avocado toast plate. So, so good. It was sooooo hard to get up when that alarm went off though. We had spent the evening prior at MK til 11, so we were worn out! Back to the hotel to rest by noon....after spending an hour waiting for and riding said resort bus to all 5 stops.

Looks like I haven't missed a lot. I read the latest and greatest on dischurners. Ya'll pray this rain and cold away that is supposed to blow in tonight. It seems to follow me wherever I go.