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Garden Club - November 2018

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Community Leader
Senior Contributor

Re: Garden Club - November 2018

I really shouldn't be left alone. Smiley Very Happy

I'm almost done with the spend for my SPG bonus (thank you business travel) and Amex is dangling a $250 for $2k spend to upgrade my BCE to a BCP. I don't really have the spend to justify keeping this as a BCP long term as my GF does most of the shopping but I've been contemplating adding her to my BCE for groceries...

For anyone who hasn't done the math yet: You need to spend about 1500/yr on groceries to cover the AF. You need to spend $3166 before you are actually better off with the BCP. https://www.wolframalpha.com/input/?i=0.06x-95%3D0.03x

Now, for the Gas\Dept. Store category as long as you're spending $3200/yr you're going to cover the AF; however, you need to spend 9500/yr before you're better off with the BCP. https://www.wolframalpha.com/input/?i=0.03x-95%3D0.02x

This card would really impress me *IF* the BCP was 2% on "everything else".

Kinda contemplating going for it. It's been there a while. Maybe I'll wait a little longer.....


FICO 8 Scores (7/28/19) | Equifax: 789 | TransUnion: 742 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 7/25/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 1921 of 3,651
Super Contributor

Re: Garden Club - November 2018


@Remedios wrote:
I am sure this is not unusual but I am giddy over a stupid piece of plastic.
Like first date giddy 😝

Are you trying on different outfits to wear for when you use it for the first time?








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Message 1922 of 3,651
Community Leader
Mega Contributor

Re: Garden Club - November 2018


@Brian_Earl_Spilner wrote:

@Remedios wrote:
I am sure this is not unusual but I am giddy over a stupid piece of plastic.
Like first date giddy 😝

Are you trying on different outfits to wear for when you use it for the first time?


I wore my best clothes when I hit apply button

EX 759 EQ 774 TU 753


Message 1923 of 3,651
Community Leader
Mega Contributor

Re: Garden Club - November 2018


@ZoomZoom557 wrote:
I really shouldn't be left alone. Smiley Very Happy

I'm almost done with the spend for my SPG bonus (thank you business travel) and Amex is dangling a $250 for $2k spend to upgrade my BCE to a BCP. I don't really have the spend to justify keeping this as a BCP long term as my GF does most of the shopping but I've been contemplating adding her to my BCE for groceries...

For anyone who hasn't done the math yet: You need to spend about 1500/yr on groceries to cover the AF. You need to spend $3166 before you are actually better off with the BCP. https://www.wolframalpha.com/input/?i=0.06x-95%3D0.03x

Now, for the Gas\Dept. Store category as long as you're spending $3200/yr you're going to cover the AF; however, you need to spend 9500/yr before you're better off with the BCP. https://www.wolframalpha.com/input/?i=0.03x-95%3D0.02x

This card would really impress me *IF* the BCP was 2% on "everything else".

Kinda contemplating going for it. It's been there a while. Maybe I'll wait a little longer.....

Ya know, if you have to do a bunch of math to see if cashback card is a good deal...

EX 759 EQ 774 TU 753


Message 1924 of 3,651
Super Contributor

Re: Garden Club - November 2018


@Remedios wrote:

@Brian_Earl_Spilner wrote:

@Remedios wrote:
I am sure this is not unusual but I am giddy over a stupid piece of plastic.
Like first date giddy 😝

Are you trying on different outfits to wear for when you use it for the first time?


I wore my best clothes when I hit apply button


We should make a chase thread. This would be an interesting data point.








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Message 1925 of 3,651
Community Leader
Senior Contributor

Re: Garden Club - November 2018


@Remedios wrote:
I am sure this is not unusual but I am giddy over a stupid piece of plastic.
Like first date giddy 😝

 

Ummm you climbed an 8 foot fence guarded with garden ninjas loaded with an electric shock. Appreciate your prize, love your prize. Be giddy. 

AMEX Platinum, Gold, Reserve & SPG | PenFed PR VS | NFCU FS VS | Discover IT | Citibank DC WEMC l Capital One Venture VS | Nordstrom VS l Banana Republic LUXE V I Lowes I Macys I Wayfair I
Message 1926 of 3,651
Community Leader
Mega Contributor

Re: Garden Club - November 2018


@Brian_Earl_Spilner wrote:

@Remedios wrote:

@Brian_Earl_Spilner wrote:

@Remedios wrote:
I am sure this is not unusual but I am giddy over a stupid piece of plastic.
Like first date giddy 😝

Are you trying on different outfits to wear for when you use it for the first time?


I wore my best clothes when I hit apply button


We should make a chase thread. This would be an interesting data point.


I was in the kitchen. That must mean something 

EX 759 EQ 774 TU 753


Message 1927 of 3,651
Super Contributor

Re: Garden Club - November 2018


@kilroy8 wrote:

@Brian_Earl_Spilner wrote:

@kilroy8 wrote:

@Brian_Earl_Spilner wrote:

@tcbofade wrote:

@Brian_Earl_Spilner wrote:

NFCU shall not be mentioned here anymore.


Just because they don't like YOU doesn't mean they aren't nice to everyone else...  Smiley Tongue


I'm gonna go make a thread about what a horrible bank they are because I didn't get the same results as everyone else.


NFCU be velly, velly goot too me.


Why everyone like navy so much I applyed and got deny but everyone else got good limits. Navy sucks capitol one let me change my platinim to quicksilver 1 for gud rewards. I'm cancel my card and use capitol one only.


Dang it, Brian, I'm getting tired of wearing these in here:

 

images (8).jpg


It's true discover is same. Discover is same way everyone got insecured at 7 months but I didnt. They are not good bank. I think they are stealing my money I put for down payment. My capitol one secured card insecure at 6 months and I didnt asking. Thats a gud bank. More banks should be like capitol one. Their the only ones gonna get my bisnis for know on.








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Message 1928 of 3,651
Super Contributor

Re: Garden Club - November 2018


@Remedios wrote:

@Brian_Earl_Spilner wrote:

@Remedios wrote:

@Brian_Earl_Spilner wrote:

@Remedios wrote:
I am sure this is not unusual but I am giddy over a stupid piece of plastic.
Like first date giddy 😝

Are you trying on different outfits to wear for when you use it for the first time?


I wore my best clothes when I hit apply button


We should make a chase thread. This would be an interesting data point.


I was in the kitchen. That must mean something 


Hmm...I wonder if the strength of your WiFi affected your approval. How far is your kitchen from your router? Who is your internet provider?








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Message 1929 of 3,651
Community Leader
Senior Contributor

Re: Garden Club - November 2018

I’m awake toooo......and after 3 weeks, I’m home! In my own bed. Normally in the winter, yes I consider this winter, I transfer to an upstairs bedroom bc it’s warmer. In case you missed it, I don’t like cold weather. Anyway......I’m sleeping in my master tonight because I’m sooooo happy to be home. 

The thrill of driving on open road was gone except I was happy to be driving home. 😂

AMEX Platinum, Gold, Reserve & SPG | PenFed PR VS | NFCU FS VS | Discover IT | Citibank DC WEMC l Capital One Venture VS | Nordstrom VS l Banana Republic LUXE V I Lowes I Macys I Wayfair I
Message 1930 of 3,651
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