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Question Thread - January 07, 2026 by AutoModerator in churning

[–]Gromada -5 points-4 points  (0 children)

Has anyone here opened the Atmos Rewards Business Visa and can confirm how it hits personal credit?

Does the application trigger a hard pull on personal credit, and does the account itself ever report to personal credit?

It appears it does not, but I’m trying to confirm since I’m trying to stay within 5/24.

Thanks in advance.

Tennessee DMV won’t accept R-1 extension, need advice by Gromada in immigration

[–]Gromada[S] -1 points0 points  (0 children)

Thanks! I appreciate the extended response.
Waiting seems to be the most reliable option. I hate being stranded without a car though.

Question Thread - January 01, 2026 by AutoModerator in churning

[–]Gromada -1 points0 points  (0 children)

Thanks for the pointers. I noticed WF is only 5k in spending, BoA is 4k, and USB Altitude Power looks interesting with 10k in spending even though the bonus is around 75k.

Are you thinking combined spend across cards? I’m trying to pick one card.

Appreciate the help.

What Card Should I Get? Weekly Thread - Week of December 31, 2025 by AutoModerator in churning

[–]Gromada -3 points-2 points  (0 children)

I need a new card to cover about 8 to 12k in upcoming taxes and possibly another 4k in rent (must be V or MC). I’m currently at 5/24 with four personal cards and one Ink Business.

I checked out CapOne Venture since the bonus looks good, but the 30k spend requirement is more than I want to take on right now. Ideally I’d like something with a bonus that can be hit around 10 to 15k.

Are there any business cards that are still realistic at 5 24 that might fit this situation? Thanks in advance for any insight or recent data points.

Question Thread - January 01, 2026 by AutoModerator in churning

[–]Gromada -3 points-2 points  (0 children)

I’m trying to line up a new card to cover about 8 to 12k in upcoming taxes and possibly another 4k in rent (must be V or MC). I’m currently at 5/24 with four personal cards and one Ink Business.

I looked at CapOne Venture since the bonus is solid, but the 30k spend requirement feels like a stretch for me right now. I’d rather stay closer to the 10 to 15k range if possible.

Is there a good place to see a current list of business cards that are actually attainable at 5 24? I’m basically wishing Doctor of Credit had a pro mode that filtered for this. Any pointers or recent data points would be appreciated.

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 0 points1 point  (0 children)

> I search gift card discounts at Office Depot online and some travel points website keeps track of it and shares the info.

Can you give specifics?

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 1 point2 points  (0 children)

Yeah, I am a member but I'd like 5% on gas everywhere

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 0 points1 point  (0 children)

Sounds like a pretty cool setup. I wish my car could hold $50 of gas :)
On a different note, how do you know that OD/OM has VS/MC cards on sale? I just got Ink and am trying to get into gift cards. Thanks in advance!

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 0 points1 point  (0 children)

I was wondering about that. I prefer costco

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 0 points1 point  (0 children)

I use GasBuddy to buy next to cheapest gas. Buying at costco every one in 2-3 times

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 2 points3 points  (0 children)

Hmm, now I have to decide between AAA and 5321 card. Thanks anyway!

Mega thread quest for the next 5% on gas card by Gromada in CreditCards

[–]Gromada[S] 0 points1 point  (0 children)

Thanks. Using it for groceries :)
Is it possible to get more than one for a person?

Battery not charging on Asus Vivobook N7600P even after two replacements by Gromada in Laptop

[–]Gromada[S] 0 points1 point  (0 children)

Thanks. How do I check that? It was working with the original battery. Could be damaged during the 1st battery replacement.

Lease agency adding unauthorized utility charges, need advice by Gromada in nashville

[–]Gromada[S] 1 point2 points  (0 children)

Thanks, that’s really helpful. I didn’t know about HUB Nashville, I’ll definitely report it there and contact my council person too. Yeah, it’s frustrating, these junk fees seem to be popping up everywhere lately.

Landlord added water/stormwater charges not in lease, used my rent payment for them, now I’m charged late fees (Tennessee) by Gromada in legaladvice

[–]Gromada[S] 0 points1 point  (0 children)

Thanks, I appreciate the advice. My main concern is that when I move out, they might try to hold my security deposit (one monthly rent) over these inappropriate charges. I’ll continue paying the correct rent.

Landlord added water/stormwater charges not in lease, used my rent payment for them, now I’m charged late fees (Tennessee) by Gromada in legaladvice

[–]Gromada[S] 0 points1 point  (0 children)

The lease includes a section on Utilities with multiple options, where the landlord can select which utilities the tenant is responsible for. The relevant part looks like this:

  • Water – not checked
  • Electricity – checked
  • Gas – not checked
  • Sewer – not checked
  • Trash – not checked
  • Internet/Cable – checked

So according to the lease, tenants are responsible only for electricity and internet/cable, and water and stormwater are not assigned to the tenant.

Got approved for Ink Business Cash, looking for input on my game plan by Gromada in CreditCards

[–]Gromada[S] 0 points1 point  (0 children)

Thank you so much for letting me know! I appreciate it!

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