SmorgasBoard Coffee and ?

[tcbofade]

How 'bout them Rams! 

[Meanmchine]

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@expatCanuck wrote:

This was also kind of nice. 😉

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Quoting the late great Melvin Aday, aka Meatloaf ...... 2 out of 3 aint bad

Congratulations to all you Mount Olympus climbers and residents

[expatCanuck]

@BigCat333 

You don't bypass inquiries for a credit card.  Every application results in a FICO score hit.  The more applications, the greater the penalty.

That said, the score hit may be offset by having lower aggregate utilization (total owed vs. credit available).

Bottom line: apply for credit only as needed; there should be a good reason for acquiring every card (e.g. - this card gives me 5% cash back on utilities / 3% Internet purchases / 4% dining / insurance on car rental (examples from my cards)).

[tcbofade]

Have the Cowpatties been eliminated yet?

[Meanmchine]

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@tcbofade wrote:

Have the Cowpatties been eliminated yet?

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Yup Yup

They will stay eliminated until the kickoff of the first regular season game.  Same statement holds true for the Jets but thats a given

[Meanmchine]

Still havent gotten any clear answer as to why this always happen

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Paging-any-FICO9-analyst/td-p/6811746

[IsFiveCardsEnough]

Hey y'all FICO peeps.

Not much going on here.  After getting some late year spending paid off, my TU FICO8 is back up to 850.  EX is still stubbornly refusing to unleash those last 3 points, so at 847 still.  Not sure what it takes with them.  I'll just keep gardening til they come I guess.

2024 was a year with no CLIs.  I expect 2025 will be too, simply because I have all I need.

Insanely cute kitty is still insanely cute.  And insane.

Oh, another noteworthy piece of news.  I received an email stating that I earned more in Amazon Prime cash back rewards than my Prime fee.  So I came out ahead.

Waiting impatiently for spring to arrive.

[Meanmchine]

LAST !!!

oh wait ...

that doesnt count anymore

nevermind

[Meanmchine]

FIRST !!!

On the off chance @UncleB  is still counting these

[IsFiveCardsEnough]

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@Meanmchine wrote:

FIRST !!!

On the off chance @UncleB  is still counting these

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SECOND??

I still have a spreadsheet that calculates my gardening spade for what it's worth.  I'm at Emerald right now.  I'll be at Sapphire in mid-late April and Diamond in mid-late July (assuming I don't app for anything of course... which I no plans to do).

I have 5 credit cards and don't want any more.  I have no need for HP CLIs, or SP ones for that matter.  I have a mortgage which isn't worth refinancing right now at current rates.  I'm not planning to move or buy a car on credit anytime soon.  So, I should be good for diamond this summer.

FICO8 scores are the same... TU 850 and EX 847.  Not sure what it takes to squeak three more FICOs out of EX.  Some more gardening/aging perhaps.  My only inquiry, and it's pretty old, is on EQ and that drops off in July as well.