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    <title>topic Re: Hard time meeting Venture spend in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818198#M1061656</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;If you are low on cash to pay it off then I am not sure I understand why you are trying to spend your limit!?&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/728355"&gt;@pizza1&lt;/a&gt; wrote:&lt;BR /&gt;The only problem with paying large lumps to insurance, util, etc... Is that I need to have to extra cash to pay it off. Right now I'm a little depleted because of my move. I had to pay movers, stock pantry and fridge, pay rent, and that lowered my savings a lot. Some of you might remember I had a huge tax debt that I just paid off a few months back, and was staying with my parents to get that paid for. Once that was done I moved out. So I'm basically starting my savings from scratch.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;+1&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Bonuses are nice, but don't overextend yourself for a bonus. If you can hit the bonus by altering how you spend for things (e.g. use CC instead of Check, Debit, or Cash), then great. If you have to buy more things to hit the spend requirement, it might not make sense. Now if it is a really small amount or if the bonus is worth more than the additional spend you need, it might make sense, but the Venture bonus is a travel credit and not actual cash. Don't put yourself into significant debt for a bonus.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I don't rent, so I don't have the option to pay rent online. But some online rent payment websites will let you pay by CC and cut a check to the LL. This often works well for people wishing to hit a spend threshold with low spend outside of rent. Even if the LL does not accept CCs it is not a problem as long as they accept checks by mail because you pay the website by CC and they mail a check to the LL. You will have to pay a small processing fee for the service. Rentpad linked by one of the other posters (&lt;A href="https://www.onradpad.com/paymyrent)" target="_blank"&gt;https://www.onradpad.com/paymyrent)&lt;/A&gt; allows you to do this. Others have also mentioned how you can prepay expenses or buy a giftcard or prepaid card.&amp;nbsp;While I would not recommend you make a habit of buying prepaid or giftcards with your CC unless you want your accounts closed, occasional giftcard purchase is unlikely to get you any AAs. Frequent giftcard purchase on the other hand can be one of many signs of MS and might get your CCs closed.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Good financial habits are more important than a bonus. When your financial situation is solid, you can sometimes afford to spend a little more than normal for a bonus. However, if you are worried about slipping into past bad habits or if your financial situation is a little shaky, do not overextend yourself for a bonus. Bonuses are nice, but CC debt is worse.&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Sun, 22 Feb 2015 17:50:22 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2015-02-22T17:50:22Z</dc:date>
    <item>
      <title>Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818058#M1061569</link>
      <description>&lt;P&gt;So, my Venture bonus is 40k miles If I spend $3k within 3 months of opening. I was gonna put my rent on there for 3 months and a couple other things. Well, I just got my acct set up at my new apts, and went online to pay my rent, and the only option it gives me is checking or savings. (Sighs).... I specifically asked the leasing agent when I moved in if they took CC as payment, and she said not at the leasing office but they do online. Grrrr&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;so, I'm not sure how I'll meet the spend now without it. &amp;nbsp;The most I spend a month on everything...rent, cell, util, food, etc...is like $1800, and $864 of that is rent. Any suggestions?? I've asked my parents and brother If they have anything to buy that I can put on my card and they can pay me, but they are doing the same thing! Lol...I'll be able to meet the spend on my new QS, but don't think I'll be able now for the Venture without getting a little debt which I don't want.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I might come close to it by maybe $500-800&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 16:51:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818058#M1061569</guid>
      <dc:creator>pizza1</dc:creator>
      <dc:date>2015-02-22T16:51:53Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818066#M1061574</link>
      <description>What's more important? Venture spend bonus, or QS spend bonus? &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;</description>
      <pubDate>Sun, 22 Feb 2015 16:54:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818066#M1061574</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T16:54:51Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818067#M1061575</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/728355"&gt;@pizza1&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;So, my Venture bonus is 40k miles If I spend $3k within 3 months of opening. I was gonna put my rent on there for 3 months and a couple other things. Well, I just got my acct set up at my new apts, and went online to pay my rent, and the only option it gives me is checking or savings. (Sighs).... I specifically asked the leasing agent when I moved in if they took CC as payment, and she said not at the leasing office but they do online. Grrrr&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;so, I'm not sure how I'll meet the spend now without it. &amp;nbsp;The most I spend a month on everything...rent, cell, util, food, etc...is like $1800, and $864 of that is rent. Any suggestions?? I've asked my parents and brother If they have anything to buy that I can put on my card and they can pay me, but they are doing the same thing! Lol...I'll be able to meet the spend on my new QS, but don't think I'll be able now for the Venture without getting a little debt which I don't want.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I might come close to it by maybe $500-800&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Pizza if you like to travel, you can book a trip for Europe.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;This is what I just did this morning and this way I do not need to worry about meeting my bonus &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 16:54:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818067#M1061575</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T16:54:58Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818068#M1061576</link>
      <description>I had a similar problem. I bought an iPhone 6 Plus full price without a contract. That got me over the hump. Not sure if you'd fall into that camp but the timing was right on the spending requirement.&lt;BR /&gt;&lt;BR /&gt;I'll need to do this again with my AAdantage card. Sure glad an Apple Watch is coming out!</description>
      <pubDate>Sun, 22 Feb 2015 16:55:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818068#M1061576</guid>
      <dc:creator>KneelBeforeZod</dc:creator>
      <dc:date>2015-02-22T16:55:03Z</dc:date>
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      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818069#M1061577</link>
      <description>&lt;P&gt;I buy staples free or penny after rebate paper. Its a great way to spend while getting real rebate checks back. Staples easy rebates are very easy to do and I've never had a problem&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 16:55:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818069#M1061577</guid>
      <dc:creator>bigblue7722</dc:creator>
      <dc:date>2015-02-22T16:55:21Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818074#M1061581</link>
      <description>By the way, I saw you didn't want to incur debt. Sorry if my suggestion puts you over to that and was not my intent.</description>
      <pubDate>Sun, 22 Feb 2015 16:57:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818074#M1061581</guid>
      <dc:creator>KneelBeforeZod</dc:creator>
      <dc:date>2015-02-22T16:57:14Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818090#M1061592</link>
      <description>At knee....lol, no your post didn't suggest anything. I'm just very cautious because I had a BK7 in August 2013. Not looking to put myself there again. Right now I only spend what I can pay off before the statement cuts on ALL my cards. I'm also trying to prove to my creditors that I'm responsible and can handle all this credit I've been given. I'm scared to be back in the situation again of debt.&lt;BR /&gt;&lt;BR /&gt;If I go out and charge something that's a couple now to meet spend, and carry a balance for a month or two, I don't want to get in the habit of that thinking its ok, and it spiral out of control. Maybe I'm being way too OCD about it, and paranoid, but I'm still vulnerable and don't want to be thinking its ok to carry debt even for a month .</description>
      <pubDate>Sun, 22 Feb 2015 17:05:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818090#M1061592</guid>
      <dc:creator>pizza1</dc:creator>
      <dc:date>2015-02-22T17:05:20Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818093#M1061594</link>
      <description>&lt;P&gt;&lt;A href="https://www.onradpad.com/paymyrent" target="_blank"&gt;https://www.onradpad.com/paymyrent&lt;/A&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Just pay one or two months' rent. &amp;nbsp;2% on that is nothing compared to the $400 cashl&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:07:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818093#M1061594</guid>
      <dc:creator>CH-7-Mission-Accomplished</dc:creator>
      <dc:date>2015-02-22T17:07:07Z</dc:date>
    </item>
    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818095#M1061596</link>
      <description>Why not just pay your rent online like the lady said?&lt;BR /&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:07:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818095#M1061596</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T17:07:37Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818100#M1061599</link>
      <description>&lt;P&gt;well, you didn't get the card for the sign up bonus, right? you got that for high starting limit. if so, forget about sign up bonus, because if you spend money on stuff you don't need and get into debt for the sake of sign up bonus would be dumb.&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:09:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818100#M1061599</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T17:09:39Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818102#M1061601</link>
      <description>I totally feel ya pizza1 - all of us on here have worked really hard to get to where we are or where we are going to.</description>
      <pubDate>Sun, 22 Feb 2015 17:10:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818102#M1061601</guid>
      <dc:creator>KneelBeforeZod</dc:creator>
      <dc:date>2015-02-22T17:10:12Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818103#M1061602</link>
      <description>&lt;P&gt;I paid my taxes with my HHonors card to meet the min spend.&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:10:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818103#M1061602</guid>
      <dc:creator>wacdenney</dc:creator>
      <dc:date>2015-02-22T17:10:15Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818106#M1061603</link>
      <description>Nixon... Did you even read my post?! Lol!! I tried!!! I went online and clicked on one time payment, and the only option it gives me is to pay from my checking or savings acct!!!&lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:10:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818106#M1061603</guid>
      <dc:creator>pizza1</dc:creator>
      <dc:date>2015-02-22T17:10:54Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818111#M1061604</link>
      <description>Nope. Reading posts is for chumps.&lt;BR /&gt;&lt;BR /&gt;Congrats! &lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:12:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818111#M1061604</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T17:12:23Z</dc:date>
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      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818115#M1061607</link>
      <description>At Red....&lt;BR /&gt;When I got the Venture, I was under the impression I could pay my rent online like I was told when I got the new apt a few weeks ago. I wouldn't have any trouble meeting that spend at that point. Now... Take my rent out of that equation... It's really pushing it to find something to help meet spend.</description>
      <pubDate>Sun, 22 Feb 2015 17:14:50 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818115#M1061607</guid>
      <dc:creator>pizza1</dc:creator>
      <dc:date>2015-02-22T17:14:50Z</dc:date>
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      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818118#M1061610</link>
      <description>&lt;P&gt;Gift Cards?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;$500 Visa Gift cards at a grocery store will cost you $6, and then you can load those onto a bluebird or just use them later as you would cash. Makes things pretty easy without incurring debt.&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:15:54 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818118#M1061610</guid>
      <dc:creator>SnackTrader</dc:creator>
      <dc:date>2015-02-22T17:15:54Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818125#M1061613</link>
      <description>+1 but remember we can't talk about that here. &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:17:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818125#M1061613</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T17:17:30Z</dc:date>
    </item>
    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818126#M1061614</link>
      <description>Isn't buying large gift cards with your CC MS and frowned upon? I don't want AA</description>
      <pubDate>Sun, 22 Feb 2015 17:17:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818126#M1061614</guid>
      <dc:creator>pizza1</dc:creator>
      <dc:date>2015-02-22T17:17:36Z</dc:date>
    </item>
    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818128#M1061615</link>
      <description>CapOne hardly even services their own accounts. Why would they AA you? &lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:18:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818128#M1061615</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T17:18:40Z</dc:date>
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    <item>
      <title>Re: Hard time meeting Venture spend</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818129#M1061616</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/728355"&gt;@pizza1&lt;/a&gt; wrote:&lt;BR /&gt;At Red....&lt;BR /&gt;When I got the Venture, I was under the impression I could pay my rent online like I was told when I got the new apt a few weeks ago. I wouldn't have any trouble meeting that spend at that point. Now... Take my rent out of that equation... It's really pushing it to find something to help meet spend.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;yeah... sorry to hear that, but venture card doesn't even have 0% apr for certain period of time, right? so spending money on something would be out of question. How about contacting the leasing office and ask them about the internet option, they told you there's credit card option but actually there isn't?&lt;/P&gt;</description>
      <pubDate>Sun, 22 Feb 2015 17:19:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Hard-time-meeting-Venture-spend/m-p/3818129#M1061616</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2015-02-22T17:19:27Z</dc:date>
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