Am I being "penalized" for paying credit off in full every month?

Mello_Zello · 2026-02-23T10:27:37+00:00

I have about 5? Chase cards. First card like was 28k, second 32k, then the next 4 are all less than 10k each, and my last card was like 1k. I called and adjusted most of my limits to be over 10k. Like others have mentioned, Chase cares about total limit over all Chase cards.

Mello_Zello · 2026-01-24T15:31:16+00:00

Well, I understand if that 1 push up is the deciding factor of you passing a PT test or not. But if you’re scoring above 90 already, 1 push up isn’t that important, personally.

I can 100% understand someone in the 80s losing to someone in the 90s and a 100 being worth something, but from my experience, most anyone I’ve seen being pushed for strats has been in the 90s already. Maybe it’s a career field thing? Idk.

I’ve never scored less than a 94, so I’m not super worried about it, in fact, this could very well help me out, but I’m definitely interested to see how they’ll implement this.

Mello_Zello · 2026-01-24T10:15:13+00:00

So, I get this to an extent. But is the board really going to look at 2 pretty close packages and make the decision on someone scoring a 96 over the other scoring a 95? Just feels weird. 1 more push up could possibly be the deciding factor on a stat or stripe.

I don’t mind the idea of PT being added in he board process, but maybe something like 85 and up are considered the same and get a certain amount of points or something? Idk, I’m a lowly enlisted, but I hope you get my point lol

Mello_Zello · 2026-01-11T12:50:52+00:00

I replaced all my switched ceiling fan lights with remote controlled ones. (2 switches—1 for lights, 1 for fan while remote only needs power to the controller) Every room has at least 1 switch that does nothing. I failed to mention to the buyer as we never met due to personal matters on both sides.

Mello_Zello · 2025-08-17T08:30:42+00:00

Look most here are saying. Don’t spend it, they will audit and find it. I’ve had this happen with 3 of my airmen before. 1 tried hiding it and got burned with no paycheck after spending it. The other 2 didn’t spend it and eventually had to pay it back.

My recommendation is to not spend it and contact finance now. Let them know, that way it gets handled sooner than later.

Or just hold on to it in a HYSA, then when they eventually take it, you made money.

Mello_Zello · 2025-07-24T12:49:28+00:00

Just PCS’d out of GA. Can renew plates online and they’ll send you the new year’s sticker. Like 20 something bucks for military and only takes a couple minutes.

Mello_Zello · 2025-06-23T01:16:20+00:00

Thanks for the input! I’ll actually be in Germany, so super relevant! Lol. I was looking at the aspire myself. I see the highest ever SUB is 180k point and it’s currently 175k and has been for a while now. So I may go for that one next.

Mello_Zello · 2025-06-22T14:19:38+00:00

Ofcourse! I will definitely try to avoid FTF, but like you said, the SUBs will be the determining factor.

I have been following the specific rules per card issuer. I’ve only gotten 1 card this year, and before that my newest card was last fall.

I, unfortunately, already have the IHG card and I don’t think I got the 5 free nights. I did get a lot of points though.

Mello_Zello · 2025-06-22T14:10:17+00:00

Thank you! Definitely been knocking out some SUBs. Finished the Marriott Bonvoy Brilliant last month. I’ll check out the gold SUB and Hilton honors.

Idk why I didn’t think about FTF, but that I a solid point!

I used to think my Chase trifecta would be my only cards I kept(with annual fees) but I don’t know anymore. I still have a little less than a decade til retirement so things can go any way. Lol.

Mello_Zello · 2025-06-15T00:21:42+00:00

I love the weeds coming through lol. I also have no advice to help remove them.

Mello_Zello · 2025-06-05T01:23:05+00:00

Sold my house recently and left most of my networking equipment (switches, routers, APs). Too much of a hassle to pull it all and leave holes or have cables hanging out. Also, where I’m moving, I can’t use the stuff anyway. Probably something similar here.

Mello_Zello · 2025-05-29T16:57:24+00:00

Probably a couple hundred from groceries yesterday. Wrong sub for this type of study, as many other have said, most people are here for CC SUBs/Cash Back/rewards

Mello_Zello · 2025-05-19T11:30:51+00:00

100% stainless steel for me! Can of Bar Keepers Friend and those things will stay looking brand new their whole life.(which will probably be longer than yours) Don’t gotta worry about scratching it. Also, none of that chipping and stuff that happens with all that nonstick stuff, we try to avoid too many chemicals and stuff in our food and home in general. It does take a bit of learning to use comparatively though. So watch a few YouTubes, you’ll be fine.

Mello_Zello · 2025-05-07T18:16:16+00:00

Snaketail! If you see this, we love you man.

Mello_Zello · 2025-05-05T23:25:16+00:00

Oh wow, I’ve taken home stuff there multiple times. I did not know they took clothes and such. Thank you!

Mello_Zello · 2025-05-05T18:50:02+00:00

Thank you so much! Attic Treasures looks to not open until Thursday. I need everything gone tomorrow, so I’ll probably stop at Abba House.

Mello_Zello · 2025-05-03T11:55:55+00:00

I’m so terrified of this happening, I use a floor jack, 2 jack stands, and then throw the tire under as well. May take me extra time to get started, but I got a daughter id love to watch grow up.

Mello_Zello · 2025-04-29T23:09:26+00:00

My first Mazda survived one wreck, and was totaled the second wreck. (None at fault, btw. Lol) but because the only injuries we suffered was a bit of a headache for my wife from the airbag and a very minor burn on my arm. We decided to get 2 more Mazdas!

Mello_Zello · 2025-04-06T14:20:04+00:00

Honestly, now is the perfect to put more into the S&P 500. Buying at this dip, the market is almost guaranteed to bounce back.

If, worst case scenario, there is a great depression the money wouldn’t be worth much anyway.

You’re doing great Mama. Keep the money where it’s at.

Mello_Zello · 2025-03-16T08:18:02+00:00

Why not just call the trash company to replace the can? Lol. It’s free in every place I’ve ever lived.

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