@improvingmycredit wrote:
Hey psychoinhell! I try to use my card when ever I need gas or groceries/department store purchases. Just makes for a better return on the cash back. Just an FYI- thought it was funny that the auto correct feature on my iPad corrected your name to "psychotic hell". LOL.
I like it 
But my SN is an old military nickname... back when I was my son's age 
@lanc wrote:I recently got the amex everyday (3% groceries) but can't justify not shopping at walmart. It's closer to my house and the prices are lower than any other grocery store in the area hands down. Other than the usual arguments the people are weird long lines etc the quality is the same and my grocery bill is lower. Has anyone seen this argument? I love getting cashback but I don't see anyway to justify it. Also, I'm afraid to use AMEX at walmart in general for AA. I use the cap1 1.5%
What do you mean? Why would there be AA from AMEX for going to Walmart?
Hey lanc! Yea- it's a very valid argument to be made that getting at least the difference back vs the savings at Wally world to offset the cash back awards. There are several things that matter to me here that makes it more worthwhile. Buy all your gift cards at the grocery store. You get the grocery store % award. Buy your specialty items at the grocery store. Special fruits- special buys - coupons and b1g1 free deals. I just really hate the long lines at Wally World too. One thing is for sure- when I go to Wally World- I ALWAYS spend more then I plan by a lot. . This in itself nets me more savings and cash back then if I'd gone to WW. One a side note- don't be afraid to use your Amex at Wally World. I use mine there for everything just like a debit card. Never had AA. Walmart is an approved vendor of Amex and vice versa! They make money off each other and enjoy it when you use their cards there. They even sell Amex gift cards!
. This in itself nets me more savings and cash back then if I'd gone to WW. One a side note- don't be afraid to use your Amex at Wally World. I use mine there for everything just like a debit card. Never had AA. Walmart is an approved vendor of Amex and vice versa! They make money off each other and enjoy it when you use their cards there. They even sell Amex gift cards!
Starting Score: 642
@crunching_numbers wrote:
@improvingmycredit wrote:
LOL! I've seen some FICOs on here too that I wish they'd share. LOL! BTW- your FICOs are pretty good on their own.
My FICO's are improving. I only have one baddie (30d from DEC08). The numbers are down because I ran up too much debt. Lots of contributing factors to why, but the bottom line is it is there, and I am working on making it go away. I am on the right track, and need to stay persistant and keep chugging away on it.
Of course nobody told "LIFE" that. This week we need to get the transmission rebuilt on the car the teenager is driving. $$$$$ Not much reduction going to go on this month.
Doesn't "life" get in the way of any fun? Seems like it's always something. But then again, we wouldn't have anything to complain about. 
Wait a minute... is complaining fun? HaHa! It must be because I find myself doing it at least once a day about something.
All kidding aside... I really do know what you mean. Always a birthday, anniversay, graduation, field trips, mother's day, father's day, transmissions, tires, etc... Thank god for credit. LOL You're right though, you have a great mind set and goal to get where you want to be.