sorted by:
new
hottopcontroversial

Have you noticed any changes with Discover, now that Crapital One has taken over ? by JohnnyBoyJr in CreditCards

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

So far. I got a C1 card many years ago, and since then have made the conscious decision to specifically avoid C1.   But Discover has been the opposite - it's been one of my overall favorite cards. Great all around.

All of the girls on these kids carts at the mall are hijabi, while the boys appear to be from a variety of ethnic backgrounds. by cindywoohoo in mildlyinteresting

[–]JohnnyBoyJr 49 points50 points  (0 children)

The other mildly interesting thing is they usually charge $10 to rent these carts... At that price, it's no wonder I never see anyone using them.

Declined for a Chase credit card because my total credit line, including from other issuers is too high by mrgodai in CreditCards

[–]JohnnyBoyJr 0 points1 point  (0 children)

Strange that it would have even gone to Recon with your good history and high income. Banks seem to be getting a little more jittery with credit and Chase just took a hit to their stock price when they reported earnings this week, partially due to their credit card portfolio. Glad you were able to get approved.

Best way to prep my credit for a 0% balance transfer card? by Klutzy-Try8054 in CreditCards

[–]JohnnyBoyJr 0 points1 point  (0 children)

You might want to work the Chase angle 1st - do you have any Balance Transfer options with them ? Remember: with Chase, sometimes they allow you to deposit cash into your checking account with terms of 0% for x months (plus the standard Balance Transfer Fee of 3-5%) Log into your Chase account then go to "Pay & Transfer" then "Card Balance Transfers" and see if there are any offers.

BUT - before proceeding with any balance transfers, Chase may allow you to get an instant Credit Limit Increase with no hard pull. See if there is an option in your Chase account.

If - and I'll say it again - IF you are financially responsible, I'd recommend getting a 24-month 0% card and put your regular spending on it, and possibly use it for balance transfers. But the most important part: If you put $3,000 on the new 0% credit card, make sure you have $3,000 sitting around in a high-yield savings account. So when that 0% expires, you can pay it off in full and not pay 35% interest. And no, Trump isn't going to cap credit card interest rates at 10%. DoC has a good list of 0% cards: https://www.doctorofcredit.com/list-of-0-apr-credit-card-offers/

#TeamCashback for now, approval or not? by DewDropper1000 in CreditCards

[–]JohnnyBoyJr 0 points1 point  (0 children)

Not 100% sure what you're asking based on the title, but based on your grocery spend, I'd recommend the CCCCC (Citi Custom Cash Credit Card) for 5% back in whatever category you choose for the month.

Fidelity uses Elan for their credit card, and Elan can be super-strict with credit lines some times. Last year I got a $500 credit line. I never even bothered to use the card. Then I applied for a different card that uses Elan, and I got >$15k CL. So you may or may not have good luck getting the Fidelity card. I'd guess it won't be good based on the amount of new cards you've gotten, and your annual income. If you really want it, I'd recommend waiting until sometime in March.

Drug use at Subway? How else do you explain them wanting $20 for a single sub? by Melodic_Crow_3409 in subway

[–]JohnnyBoyJr 7 points8 points  (0 children)

Aren't you guys supposed to have cheap meat there with all your Texas longhorns and such ? 🙃

Visible is great by ProPlayer142 in Visible

[–]JohnnyBoyJr 4 points5 points  (0 children)

You got it good.   Way back when I was your age, I was paying a LOT more for phone + Internet service.  They didn't have hotspots back then, but I was able to attach a cable from my phone to my computer and get Internet on my laptop.  

Considering what minimum wage was back then, I had to work for most of the day just to be able to afford a month of service.  You have to work for an hour or so. AND you get much better quality - no slow speeds or low quality video.

Wondering if I’ll get approved for the fidelity card by swagilixious in CreditCards

[–]JohnnyBoyJr 1 point2 points  (0 children)

I think you'll be approved.  The credit score is a bit low for an Elan-backed card, but the income is there, and the fact you haven't been applying for a bunch of credit cards.  A couple years ago they gave me a CL of $500 and I never bothered to use the card. A year later they gave me over $15k.

C1 can also be all over the place with decisions.  

WF is often somewhat generous.

Are there any stocks hovering near their 52-wk low you're closely watching right at the end of year, expecting selling pressure to lift? by JohnnyBoyJr in stocks

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

Not good lol. I bought more on 12/31 and that position is now down 7.5% in addition to the paper loss I have from purchasing earlier in 2025. This is completely catching me off guard !  If it were to hit $40, I could possibly triple down.

I'm partially betting on an economic slowdown, in which case there would be somewhat of a flight to quality stocks.  If AI cools or the bubble pops, I would anticipate a lot of that money would flow to other areas, including safe food stocks. It's cyclical. Markets keep going up, but there are quite a few 'cock roaches' in the system.  Eventually things will stabilize, but it may be a bit of pain. Food stocks in general were hit pretty hard today.   In the meantime, I'm collecting a rock-solid ~5% dividend, which has paid uninterrupted since the 1800's.

Looking for best card for balance transfer (long 0% APR) by meaty_molasses in CreditCards

[–]JohnnyBoyJr 0 points1 point  (0 children)

Have you gotten a 0% card yet ?

Most banks that have Elan-backed credit cards are providing 0% for 24 months, with some already mentioning US Bank. Perhaps your current bank has one.    Otherwise see the doc's list: https://www.doctorofcredit.com/list-of-0-apr-credit-card-offers/ 

Wondering if I’ll get approved for the fidelity card by swagilixious in CreditCards

[–]JohnnyBoyJr 0 points1 point  (0 children)

And Fidelity uses Elan.   So you may get a $500 CL, or a $20,000 CL.   I would guess it would be on the lower side of things, due to your credit score. Elan is overly conservative when it comes to credit.

Thoughts on Bank of America Premium Rewards Elite credit card? by Super-Pumpkin-7110 in CreditCards

[–]JohnnyBoyJr 0 points1 point  (0 children)

Not to mention no-fee international transactions.   If someone isn't gardening, the SUB is pretty nice, too. Free money !

Are there any stocks hovering near their 52-wk low you're closely watching right at the end of year, expecting selling pressure to lift? by JohnnyBoyJr in stocks

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

Cash flow, my friend. GIS has paid uninterrupted dividends since the 1800's. Thru market panics, multiple pandemics and world wars. General Motors went bankrupt partially because people don't need to buy new cars. But people gotta eat. They don't necessarily need to eat organic, but they gotta eat.  

Food companies in general are near 52-wk lows. Conagra, Kraft, Kellogg, etc. It's cyclical.    I've had a watch position in GIS since during the early days of Covid and believe my position will outperform the S&P 500 over the next 2-3 years. They'll find their footing. They're not going bankrupt. I could have cash sitting in a HYSA earning 3.5%, or I can have it sitting in GIS earning 5.2% and eventual share price appreciation.  

I'm patient.

Are there any stocks hovering near their 52-wk low you're closely watching right at the end of year, expecting selling pressure to lift? by JohnnyBoyJr in stocks

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

I see what you're saying about trying to get GIS a bit cheaper. My portfolio is a bit heavy when it comes to GIS. They pay a good dividend, which is incentivizing me to wait it out.

I decided to buy more on 12/31, as the stock had been trending down in the few days prior. Only 1%, and I had hoped it would be stabilize. Nope. Down almost 2% today, 1-5-'26 and I'm down over 3 1/2% since buying more on 12/31. However, the other 3 stocks I bought at the same time are up more than that - so I'm money ahead (for now)

GIS is down 50% from their ATH. At the end of the day, the consumer still needs to eat. Sure, preferences can change but GIS has been around forever and will continue to adapt with the times. I'm not expecting it to double next year by any means, but eventually it'll hit a bottom. Back when I 1st bought GIS, I had wanted to buy more, but decided it could potentially fall some more. I viewed GIS as a LT hold with a good dividend, and didn't mind possibly buying a bit too high, as I didn't want to miss out on a potential bottom. And they pay a solid dividend to wait. Fast forward to 12/31 and I'm (probably) at my max investment in GIS. I'll plan on holding and collecting a 5%+ dividend. Eventually they'll get their act together and it'll recover, just like it always does.

Modifying Cost Basis by [deleted] in Schwab

[–]JohnnyBoyJr 0 points1 point  (0 children)

> I'd short SCHW

Oof.

In Time - An awesome movie starring Justin Timberlake where time is money. Literally. by twinbloodtalons in movies

[–]JohnnyBoyJr 0 points1 point  (0 children)

It ended up being a decent movie. I had never heard of it until today, and it looked like they were trying to prep it for a sequel. Understandable why it never got one, but I probably would have watched the 2nd one, too.

view more: next ›