October 2015 Garden Club

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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October 2015 Garden Club

Postby CarefulBuilder14 » Wed Sep 30, 2015 11:48 pm

Still gardening since June.

I'm considering Hyatt, Ritz-Carlton, and Amex Platinum. Not in a rush for any of them.

My attitude about cards has shifted a bit. I'm interested in big rewards/bonuses and good/great customer service (as before). I'm much less interested in trying to maximize my rewards to the extent of picking up every extra nickel I can. I'm also less interested in keeping no-AF (but low value) cards open just for the sake of AAoA.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May


Vermonster
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Re: October 2015 Garden Club

Postby Vermonster » Thu Oct 01, 2015 8:28 am

I added my wife to the CSP. Only a month after the 5k bonus URs offer ended. She is using it for work putting hotels, flights, and cab fairs on it then getting reimbursed. Free URs! Though I'm pissed that Chase will not let her see the card on her account. They gave some BS thing about the different types of account members. All I wanted was for her to be able to pay the CSP from her online banking. They say this is a permanent change for "our safety." Really they just want her to apply for her own card. She is considering it, especially for another 40k URs.


Our goal is to keep debt under control for the next 4 months. We are moving December 1 to a new place that will be more expensive in rent, but less expensive in utilities and transportation costs. It will probably be a $0 net change over the year, but it will normalize our monthly spending. As it is we tend to spend an extra $1k a month in utilities and transportation for October-March.

(non credit card related) After being together for 8 years and more than one married, we finally combined bank accounts. It was a big move for us and feels a little weird. But the biggest reason is to simplify finances. We are starting to use YNAB to help us start putting money towards some investments and some savings for a downpayment on a house. Having all the money move through one account is making it much easier to track. It's an interesting journey and learning experience so I will probably be talking about it more going forward.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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Vattené
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Re: October 2015 Garden Club

Postby Vattené » Thu Oct 01, 2015 9:01 am

I have no plans for anything new for the foreseeable future. If Amex wanted to offer me 100K for a Platinum I would jump on it, but not holding my breath on that one.


CarefulBuilder14 wrote:I'm also less interested in keeping no-AF (but low value) cards open just for the sake of AAoA.

I think that is pretty overrated, especially once your credit is established and you have other things open. I mean, anything closed stays on for 10 years anyway. I haven't actively closed anything, but I also don't do anything to keep them alive. They'll be closed eventually by the lenders (I'm also talking about store accounts that have been inactive for a while here, so the risk of fraud is very low).


Vermonster wrote:(non credit card related) After being together for 8 years and more than one married, we finally combined bank accounts. It was a big move for us and feels a little weird. But the biggest reason is to simplify finances. We are starting to use YNAB to help us start putting money towards some investments and some savings for a downpayment on a house. Having all the money move through one account is making it much easier to track. It's an interesting journey and learning experience so I will probably be talking about it more going forward.

Despite the wierdness of such a big shift, have you gotten used to it now? It is a big adjustment. My wife and I have been together for 8 years, too (married a little over two), and we combined bank accounts really quickly. Faster than I would recommend to anyone (I also got married a lot younger than I would recommend to anyone, but hey, when you've found the right person...), but we had just uprooted and moved for college with very little income or assets and one bank account was just too convenient.
Now that we're out of college our incomes go to different bank accounts, though our finances are still completely combined. I just wanted to use one for credit card spending, essentially, to keep that in check. The other is for saving/long-term stuff. Plus we wanted to keep a great local bank account from our college town, but didn't want to have ALL of our banking's brick and mortar locations to be hundreds of miles away.
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

JonE
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Re: October 2015 Garden Club

Postby JonE » Thu Oct 01, 2015 10:52 am

If I'm going to use a card, even occasionally, I'll keep it around, it helps if it has rewards. With the recent upgrades from Synchrony to the Walmart MC from the store card, that might be worth sticking around for. CareCredit on the other hand, will probably be going once the card is paid off.

If the Walmart card upgrades, that will give me some rewards to that end. If it doesn't happen in the next 12 months it'll be next on the list of closures. If the Chase categories on Freedom get any more specific, I may merge that into the CSP once I have it and just go get a discover for category spending.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

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Vattené
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Re: October 2015 Garden Club

Postby Vattené » Thu Oct 01, 2015 11:18 am

I would like to keep my Walmart card alive, too, if for no other reason than I get a free Redbox rental from any Walmart location sent to me every few months or so. Do you also get those, JonE?
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

Whatamuji
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Re: October 2015 Garden Club

Postby Whatamuji » Thu Oct 01, 2015 12:18 pm

No apps planned. Half thru paying my Amazon store card balance. School has kept me busy lately. And SURPRISE!!! It's the beginning of Allergy Season and it's hit me hard this morning.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k

JonE
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Re: October 2015 Garden Club

Postby JonE » Sat Oct 03, 2015 12:49 pm

Vattené wrote:I would like to keep my Walmart card alive, too, if for no other reason than I get a free Redbox rental from any Walmart location sent to me every few months or so. Do you also get those, JonE?


I don't.

Not useful for me since I don't have TV or Blu-Ray player, get Netflix, HBO Now, Amazon and Hulu on the tablet and phone. A TV purchase is in the future however, maybe along with one of the new Apple TVs.

On the other hand, the Walmart card (along with CareCredit) is just as likely to get axed as it is kept. If I get a store card at all it'll be Amazon since I'm a prime member, and am liking that 5% uncapped.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

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Vattené
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Re: October 2015 Garden Club

Postby Vattené » Sat Oct 03, 2015 1:01 pm

If you're getting a TV anyway it will make all those services more enjoyable I think. Plus podcasts if you listen to them. It will automatically sync with what is on your iPod. I have an Apple TV and Roku and love them. I cut ties with the cable company when I last moved and haven't looked back.
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

Vermonster
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Re: October 2015 Garden Club

Postby Vermonster » Sat Oct 03, 2015 1:06 pm

It's so hard to cut the cable nowadays. Our internet was offered at $90 a month. But if I bundled basic cable with it I got HBOGO and the price was cut to $59. I took the deal and put the cable box in storage. Plus I can login to Fox, NBC, and ESPN and watch video on their websites.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Nixon
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Re: October 2015 Garden Club

Postby Nixon » Sat Oct 03, 2015 1:47 pm

Ive been in and out of the garden after a 5 month stretch. AMEX Plat and second Sallie Mae.
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