Happy Turkey Day

A place to discuss anything... except credit cards!
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MemberSince99
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Happy Turkey Day

Postby MemberSince99 » Thu Nov 28, 2013 8:01 am

Just wanted to wish everyone a safe and happy holiday. Enjoy your turkey and your gardening!


MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Thu Nov 28, 2013 8:05 am

Ok, last night, completely drunk, I applied for 20 cards. I was approved for 3, denied for 7 and the rest are "pending".


Will this hurt my score? Did I screw up? Worst of all did I lose my bronze spade?


(Just kidding!!!!)

Obi-dan
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Location: Houston, TX

Postby Obi-dan » Thu Nov 28, 2013 8:18 am

Happy Thanksgiving to all you nutty credit gurus out there. I hope we all find we have much to be thankful for.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

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Victorleo
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Postby Victorleo » Thu Nov 28, 2013 10:11 am

Happy Thanksgiving everyone, and many good discounts tomorrow. :D

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rhipsher
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Postby rhipsher » Thu Nov 28, 2013 11:24 am

I second that. All of the women in my family are cooking up a major feast at my house. It smells like heaven. Soon my belly will be full and I'll be nicely buzzed from the wine and relaxing on the couch enjoying the most important people in my life. :cool:

Midori
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Postby Midori » Thu Nov 28, 2013 11:55 am

Starting the prep work. Things will smell great in a couple of hours...

Happy Thanksgiving! Hope you get to spend it with those you love best. :o)

Moneytalks
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Postby Moneytalks » Thu Nov 28, 2013 11:57 am

Happy Thanksgiving CCF! Happy hunting to all the Black Friday warriors tonight/tomorrow :)
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

Robrus1
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Postby Robrus1 » Thu Nov 28, 2013 9:06 pm

Happy Thanksgiving CCF! I hope you all enjoy the time with friends and family. We all have much to be thankful for, especailly after reading yesterday about all of the men, women, and children being killed in the Central African Republic. It makes me realize how fortunate I am just to live in a relatively safe part of the world with adequate shelter, clean water, and decent healthcare. It has been quite a year for me. I went from living alone to getting engaged to a wonderful woman and now we live together, along with her two great kids . We have three dogs also, so I now have a full house and I love it. I wish you all the best.

Rob
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

samhradh
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Postby samhradh » Thu Nov 28, 2013 11:46 pm

Same to you all. We arrived home from a Thanksgiving dinner just a few minutes ago so I am tad belated.

In credit related news, I spent most of Thanksgiving afternoon helping a family member get a better handle on their credit. Turns out they have a score of 800+ and I helped them get approved for three credit limit increases via the net/phone without any hard pulls (they have four cards, one of which already had a $20K limit so the others were lagging behind). Not bad for an afternoon's work. Next step is transferring some of their six figure savings account to a bank that offers more than .05% interest (I know, my jaw hit the table when I learned how the money is just sitting there).
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

MemberSince99
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Postby MemberSince99 » Fri Nov 29, 2013 7:57 am

It's not so much the low interest that would bother me though that's certainly a pathetic rate by any standard, but also the fact that above 100k the FDIC won't insure if the bank can't or won't make good on the money and thus it's not insured over 100k and they could end up eating that (though no doubt even if that should happen the CEO would get a stunningly massive bonus for his great efforts as always). That would bother me even more than the tiny rate of return on the money because at that point that money is just like a 401k - an investment with no guarantee and at a terrible rate of return at that.



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