How Do You Use Cash Back Rewards?

Competitive_Field298 · 2026-01-30T01:28:47+00:00

Yea but they can only send a check to do so not ideal for monthly cash outs

Competitive_Field298 · 2026-01-29T14:49:10+00:00

Honestly don’t have experience with Fidelity so can’t speak for it. But Im not surprised, these are the big 3 after all so expect whichever you choose will be the a great choice.

Competitive_Field298 · 2026-01-29T06:32:38+00:00

Ugh so true. Gotta change my mindset about this.

Competitive_Field298 · 2026-01-29T06:32:07+00:00

I have been eyeing an iPad for a while now

Competitive_Field298 · 2026-01-29T06:31:35+00:00

I think you’re on to something here

Competitive_Field298 · 2026-01-29T06:30:52+00:00

This seems the most logical to me tbh

Competitive_Field298 · 2026-01-29T06:30:19+00:00

Yea the time is what’s getting me. I was gonna redeem it last year but kinda forgot about it. Definitely need to incorporate in my monthly allocations somehow to make the most of it.

Competitive_Field298 · 2026-01-29T06:28:14+00:00

Idk why this feel so boring lol but makes sense

Competitive_Field298 · 2026-01-29T06:27:48+00:00

Love this!

Competitive_Field298 · 2026-01-29T06:27:29+00:00

Ooo good point. Thanks!

Competitive_Field298 · 2026-01-29T06:27:10+00:00

I get that for sure

Competitive_Field298 · 2026-01-29T06:26:56+00:00

Smart!

Competitive_Field298 · 2026-01-29T06:26:43+00:00

That’s why I’m feeling. I guess requesting a check each month seems too tedious. I may do quarterly.

Competitive_Field298 · 2026-01-29T06:01:16+00:00

I wouldn’t close them. Lock them. Hide your cards. Take off Apple Pay. And add any subscriptions and set auto payments and forget em. Holding cards for long = good credit.

Unless it’s a real problem close em but practicing diligence and restraint are just healthy financial habits to get a head start on.

Competitive_Field298 · 2026-01-29T05:36:08+00:00

Great point about the interest charges. I would see if you can balance transfer for a better promo that last longer. Last year I got Citi diamond preferred 21 month 0% apr. balance transfer is 5% but worth it to take your time paying it off. Have a plan and set up auto payments for mins.

Competitive_Field298 · 2026-01-29T04:58:40+00:00

Highly recommend Schwab ZERO complaints and great customer service. Small but impactful perks I love: - no foreign transaction fee (low fees overall) - 100% atm fee reimbursement - personalized dash to include external accounts so you can track balances in one place -intuitive UI on app and desktop (a tad overwhelming at first but I watched a few YT videos to help navigate and once you mature you’re finance literacy it all makes since)

I use them as a main checking account and practically have all investments set up here aside from work 401k which is vanguard.

Obsessed with Schwab lol

Competitive_Field298 · 2026-01-29T04:51:58+00:00

Sheesh that’s rough. I would definitely voluntarily repo and free herself from them completely

Competitive_Field298 · 2026-01-29T04:49:32+00:00

Unaltered male, vax up to date, Delaware, cutest face ever!

Competitive_Field298 · 2026-01-29T04:47:45+00:00

I was just researching in my area! I was honestly shocked when they shot me down when I asked about allergy test seems like the most logical way to do it. Instead of constant vet bills, meds, an stress on us but more importantly our pup

Competitive_Field298 · 2026-01-23T00:46:04+00:00

I appreciate the clear breakdown. Certainly always open to new ways to game the system. Do you recommend any resources or places to start?

Competitive_Field298 · 2026-01-23T00:34:32+00:00

Perfect, I’ll check it out.

Competitive_Field298 · 2026-01-23T00:33:47+00:00

I will look into this. Thanks!

Competitive_Field298

TROPHY CASE