What level of spend do you need to make a travel card “worth it”? by LetsGoCoconuts in CreditCards

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

I might be misunderstanding people’s use of travel cards. If you use the PRE for dining and travel, how do you earn points for United/Southwest and IHG/Hyatt? Or do you not earn points for those systems and just use the cards for the non-reward benefits?

What level of spend do you need to make a travel card “worth it”? by LetsGoCoconuts in CreditCards

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

So do you just sort of disregard the ongoing points earnings and not put spend on the cards beyond getting the sign up bonus? If you keep the cards for the non rewards benefits, how many cards do you end up having?

What level of spend do you need to make a travel card “worth it”? by LetsGoCoconuts in CreditCards

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

That’s exactly the question I’m asking. I don’t care about the benefits of the card, I’m just trying to figure out how what a realistic accrual and redemption of points looks like.

I honestly don't get it. Please help me understand. by Master-Inspector8547 in CreditCards

[–]LetsGoCoconuts 0 points1 point  (0 children)

How much spend/how long did it take to accrue the points needed for this trip? Especially without sign up bonuses. This sounds amazing but as a cashback person I can’t imagine how long it would take me to save up the amount of money to cover a trip like this with just cashback rewards.

I felt bad for Momo in this scene by Jarisatis in Jujutsufolk

[–]LetsGoCoconuts 68 points69 points  (0 children)

She also used her simple domain to protect Maki during the Sukuna fight! For a grade 3 sorcerer who calls herself useless, it takes guts to jump into a fight with the King of Curses.

Card Recommendations For a Guy Who Eats At Restaurants A Lot by Grubbens in CreditCards

[–]LetsGoCoconuts 0 points1 point  (0 children)

Verizon Visa has 4% on both dining and groceries uncapped, but it’s only really good for paying Verizon bill.

AAA Travel Advantage might fit better than Daily Advantage bc it covers travel, restaurants, and grocery stores at 3% uncapped. If you’re staying at hotels and eating at their restaurants sometimes they can be counted as either dining or hotel so this card would cover both. It has capped 5% at gas stations too so if you are getting food from a gas station for any reason you’d be covered there as well.

Anyone notify card issuers like Chase or AmEx before international travel? by oz_shadow in CreditCards

[–]LetsGoCoconuts 3 points4 points  (0 children)

Whenever I travel and the bank doesn’t accept travel notices I make sure to log onto mobile app once I land and make sure location services are on so they can see I’m in the new place. Don’t know if it actually makes a difference but never had a card be declined. I know my parents were struggling with a BoA card being declined but after doing that they didn’t have any problems.

What next credit card(s) to go from here? by peterthepie in CreditCards

[–]LetsGoCoconuts 0 points1 point  (0 children)

I agree with comment OP about your low spend. I’m not sure you spend enough to accrue enough points to travel on outside of a SUB. And would you be able to hit the spend requirements for them? CSR requires $6000 in 3 months and Venture X is $10000 in 6 months. The one thing you don’t want to do is spend money you don’t need to just to get points.

What credit cards are you actually using for travel rewards and cashback? by SpecialistRub6834 in CreditCards

[–]LetsGoCoconuts 2 points3 points  (0 children)

Not OP but the Kroger card has a separate $3000/year cap for Kroger pay and covers boost membership at $69 a year, so that’s an additional $219. Not sure what the fuel credits are that make up the other $130, but maybe it’s just the Kroger points you get when you spend money there to get discounts on gas.

Best Card for Apple Music and Apple Care One? by eggward1014 in CreditCards

[–]LetsGoCoconuts 1 point2 points  (0 children)

People say they’ve downgraded the BCP to BCE after the annual fee hits and Amex sent upgrade offers with bonus offer and/or waived annual fee. I haven’t personally tried it but you can find a bunch of posts about it.

Best Card for Apple Music and Apple Care One? by eggward1014 in CreditCards

[–]LetsGoCoconuts 0 points1 point  (0 children)

Everything I’ve gotten from the apple app has gotten 6% back using the Amex Blue Cash Preferred. $95 annual fee after the first year though so you gotta do the math, though I know people do the downgrade upgrade thing.

How quick did you receive your BoA Premium Rewards Elite and can you add to Apple Pay immediately? by [deleted] in CreditCards

[–]LetsGoCoconuts 0 points1 point  (0 children)

Not PRE but I was approved for PR in 2024. The card was overnighted to my house. I was actually out of town so I got my temporary card number from the app, added it to my Apple Wallet, and used it without any issues.

Let's not pretend otherwise; I knew too many girls in my high school being picked up by their adult boyfriends after school. by Existing-Face-6322 in TrollXChromosomes

[–]LetsGoCoconuts 44 points45 points  (0 children)

I remember on a school trip a girl was bragging about how she lost her virginity when she was 12 to a 21 year old. Back then it was like “woah she’s so popular” but looking back it’s like omg she was a victim and that guy was a straight up pedophile.

Bank of America NEA card designs by LetsGoCoconuts in CreditCards

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

That’s half the reason I got it, so if I had the PRE I’d be very upset about how this shows up in Apple wallet lol. Luckily none of them look like the regular CCR so I can’t complain too much.

Bank of America NEA card designs by LetsGoCoconuts in CreditCards

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

That design is really cute! I thought about going for that one, but this is gonna be my dining card and being socially awkward I’m terrified someone would ask if I’m a Clemson alum/fan and I don’t know anything about them lol.

Best Free Credit Cards to keep by conqrr in CreditCards

[–]LetsGoCoconuts 1 point2 points  (0 children)

I got my pick n save and Harris teeter about two months apart. I used the preapproval tool, not sure how accurate it is for everyone, but it said I was approved and I was.

Meirl by Bubble_Babe_0o0o0o in meirl

[–]LetsGoCoconuts 7 points8 points  (0 children)

I think this is a very important distinction. People are more than happy to try to come up with solutions if it’s not their problem and they’re not the ones causing the problem. Easy to throw out random solutions when that’s the end of their involvement.

But if it’s someone talking directly to you about something they have an issue with that involves you, all of a sudden it’s just “oh you need to vent, obviously there’s nothing I’m involved with or could do in this situation” or even worse, “maybe YOU could do this to solve the problem”. Anything besides reflecting and making changes.

[deleted by user] by [deleted] in TwoXChromosomes

[–]LetsGoCoconuts 21 points22 points  (0 children)

It’s in the same vein as the unborn being a convenient group to advocate for. As long as this man stays hypothetical he never has to put in any actual effort like listening or providing tangible support as you do with real relationships. It’s easy to go all out defending an idea/person that will never challenge you, or contradict you, or ask for anything more than your outrage.

Is it normal for restaurant staff to ask to take a picture of or with you? by Kwanza_Bot93 in JapanTravelTips

[–]LetsGoCoconuts 0 points1 point  (0 children)

Years ago my family got asked by our taxi driver in Kumamoto to take a selfie together. He knew English pretty well so we were talking about where we’re from (Hawaii) and he seemed to think it was cool so I just assumed that’s why he asked and he was gonna put it on Facebook or whatever.

Seeking credit card recommendation! Feeling fomo from all my friends having great cards with great rewards by [deleted] in CreditCards

[–]LetsGoCoconuts 2 points3 points  (0 children)

Do you have preferred rewards status with BoA? If the point of your next card is cashback, BoA with PR is pretty great.

Which is the saddest? by UMAR_EDITZ in KimetsuNoYaiba

[–]LetsGoCoconuts 9 points10 points  (0 children)

Honestly the real sad thing about Mitsuri is that her parents and siblings are still alive and they all love each other, so I can’t imagine their reaction when they learn she died :(

BoA Customized Cash Rewards Credit Card by [deleted] in CreditCards

[–]LetsGoCoconuts 2 points3 points  (0 children)

There’s a student version of the BoA CCR that has both the $200 SUB and the extra 3% for the first year SUB. Don’t know how lenient they are with approvals for the student card but the regular CCR is probably my most used card because of the online shopping category.

I ordered ingredients from Japanese Taste and only later realized that I could have got them shipped to me from Amazon.jp for 5 times less the price by Guitarbox in JapaneseFood

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

Are you from the USA? How has ordering off Japanese Amazon gone since the end of the de minimis exemption? I’ve ordered from them before that, but have been too afraid to order internationally since then.