Reply
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Stepped out the Garden =(

[ Edited ]

Since I'm buying a new house and in need to furnish it =)

 

I wanted a 65 inch Vizio for black friday deal at walmart for $998 and did the math.....

http://www.amazon.com/VIZIO-M650VSE-65-inch-Razor-Smart/dp/B0096YOQRO

 

it's $1,400 at Amazon.com 

Since I'm buying out of state and avoiding 7% sales tax + free shipping 

 

$1,400

-       70 (5% off Amazon with Citi Forward)

------------

$1,330

-       70 (avoiding sales tax at walmart blackfriday)

------------

$1,260

-    100 (Citi Forward bonus for spending $650)

------------

$1,160 total cause it also offers free shipping =)

 

 

I can pay $160 considering I don't have to camp out for a few nights since there's minimum of 10 per store. I think this is well worth it, besides half my expenses are eating out =)

 

I also got approved for $6,500 =)

 

 

So now I have

$17,000 Navy Federal Platinum ( oh shiet card for low apr)

$6,500 Citi Forward 5 points for entertainment, Amazon, and entertainment.

$5,500 American Express BCP 6% Groceries, 3% gas, 3% department stores

$5,000 Chase Sapphire Preferred 2.68% on restaurants (fast food now) and travel 1.34% on everything else (7% annual bonus+25% for travel)

$3,000 Chase Freedom (for 6.25% transfered to Sapphire for travel and 10/10 bonus with checking)

$1,400 Kays Jewelers card

$1,000 Capital One (Orchard Secured bought by Cap1)

 

Since I probably won't be able to get US Bank Cash+ anytime soon (VERY strict even though my credit score is excellent) for 6.25% for restaurants and billpay this does me quite nicely :smileyhappy:

 

It's amazing getting these kinds of deals after only 1 year of being declined for secured credit cards and even gas cards ^_^


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Stepped out the Garden =(

Congrattt very nice.......6.5k very nice limit.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Stepped out the Garden =(

[ Edited ]

nicholasyud wrote:

Congrattt very nice.......6.5k very nice limit.....


Thanks, considering I got refused for secured cards for Bank of America last year :smileysad: This is DAMN refreshing lol! I figured I would app now incase I didn't get any black friday deals, since Navy hasn't reported my $15,000 charge yet =x    (no worries though I already paid off $4,000) My parents have $5,000 of charges they need time paying off so I'm going to transfer their balance on their Chase Ink @ 29.9% interest to my Forward card later since it's 0% apr on balance transfers and they can pay me back later. it's perfect for what I need to help my family since it'll save them $125 a month on internet. I was planning to use my Freedom card, but wanted to take advantage of Best buy 5% this month for purchases on appliances.

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
patsfan1453
Posts: 202
Registered: ‎11-04-2012
0

Re: Stepped out the Garden =(

Be careful with bill pay with the forward, I got charged for cash advance for paying my moms car bill.

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Stepped out the Garden =(


distantarray wrote:

nicholasyud wrote:

Congrattt very nice.......6.5k very nice limit.....


Thanks, considering I got refused for secured cards for Bank of America last year :smileysad: This is DAMN refreshing lol! I figured I would app now incase I didn't get any black friday deals, since Navy hasn't reported my $15,000 charge yet =x    (no worries though I already paid off $4,000) My parents have $5,000 of charges they need time paying off so I'm going to transfer their balance on their Chase Ink @ 29.9% interest to my Forward card later since it's 0% apr on balance transfers and they can pay me back later. it's perfect for what I need to help my family since it'll save them $125 a month on internet. I was planning to use my Freedom card, but wanted to take advantage of Best buy 5% this month for purchases on appliances.

 

 


 

BOA do the samething with me about this time last year too. They took my money from my checking account. Then a weeks later tell me that they refused my secured card. ALso on top of that they pull my credit file again after they said they approved. Goddd BOA need to kiss my tiny butt......never wanna do any bussiness with them ever again........


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Stepped out the Garden =(


distantarray wrote:

So now I have

 

$6,500 Citi Forward 5 points for entertainment, Amazon, and entertainment.



Congratulations.  Looks like entertainment is important!

Senior Contributor
jsucool76
Posts: 3,204
Registered: ‎12-11-2011
0

Re: Stepped out the Garden =(

Remember , 5% rewards with citi forward is not 5% off. The citi points are worth like $0.08 not a whole dollar.

Congrats on the approval though.
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Stepped out the Garden =(


bs6054 wrote:

distantarray wrote:

So now I have

 

$6,500 Citi Forward 5 points for entertainment, Amazon, and entertainment.



Congratulations.  Looks like entertainment is important!


I wonder if it includes massages :smileywink: 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Stepped out the Garden =(

AWESOME! Congrats on the new Card! I just recently got the forward card myself, so far no complaints!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Stepped out the Garden =(


jsucool76 wrote:
Remember , 5% rewards with citi forward is not 5% off. The citi points are worth like $0.08 not a whole dollar.

Congrats on the approval though.

yea it can be 4-5% but I'll check later, regardless still a sweet deal considering everything =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+