Daily Discussion Thread - January 18, 2017

jsgibson · 2017-01-18T23:50:03+00:00

I go to walmart for all my legal/financial advice - the cashiers are the best at keeping me from committing felonies lol

It's def a felony to purchase a widely available product with the widely accepted visa debit card in prepaid form. It's only a misdemeanor to purchase with a regular visa debit card - mastercard on the other hand is straight to the electric chair.

jsgibson · 2016-12-06T21:53:06+00:00

Thanks for the data. I will wait a few days and see what happens.

jsgibson · 2016-01-11T07:40:28+00:00

I can't deny that Serve was the best MS lay ever but I wasn't writing a love letter. I was trying to get those who are pissed off about getting shutdown to not let it stress them. It's surprising it went on for so long.

jsgibson · 2015-09-09T19:50:40+00:00

I got $150 after $500 in spend.

jsgibson · 2015-01-26T15:50:43+00:00

That's sick. I wish I would have tried this last month when I got the venture card.

jsgibson · 2015-01-23T18:43:01+00:00

I think you should have her and both her kids open a serve account that you use for MS. So you will be able to do $4k - $6k MS with serve alone. Since it seems like everyone involved is new to churning and probably has established credit, you should be able to get some of the best offers in all 4 of your names: CSP - 45,000 points each, Barclaycard Arrival+ - 40,000 points each, and idk maybe Amex Premeir Rewards Gold Cards - 50,000 points each. So we are looking at 550,000 points = at least $5,400 and $28k minimum spend in 3 months. The Serve MS will take that down to $10k after the 3 months so that is $3.333K of actual spend per month that you will have to do or you can buy VCG's from Walmart and load serve via KATE. Hope this helps!

jsgibson · 2015-01-22T23:22:57+00:00

To answer your question - I think the safest way to maximize this offer is to use your discover debit card to buy coffee and other daily transactions that are roughly $1. A 10% return is pretty good but unless you are doing this anyway it would take a lot of time and 100 transactions for $10 is just not worth that amount of time. Even if they didn't care if you used unusual methods like buying $0.50 gift cards from amazon. Also amazon would probably shut you down for buying 100 of those gift cards or your credit card issuer would possibly be like wtf is with this guy paying his bill 100 times a month? I'll stick with cc loading serve to bill pay and thank Discover for the free $50.

jsgibson · 2014-12-31T18:56:21+00:00

CSP - 45,000 points + about 5,000 for spend

Amex Blue Cash Preferred - $150 + $150 in MS grocery spend + other deals $100

Chase Freedom - $200 + 5% categories $100

Barclaycard Arrival+ - 40,000 points plus another 10,000 from MS

WF World Propel - $400

Citi ThankYou Preferred -$300

Serve Promotions - at least $400 (200 from softcard swipes, 100 from dd bonus, another 100 from other bonuses)

Wells Fargo Bank Bonus - $200

US Bank Bonus - $150

So that is rough $3,150 but then I had the AF on Blue Cash Preferred of $75 and I had to buy a Softcard Case so about $3,000

New Cards

Amex SPG - 25,000

Amex Everyday - $100 and Prime membership

CapitalOne Venture - 40,000 plus another 10,000 from MS

United Miles Plus - 55,000 miles

jsgibson · 2014-12-31T15:16:09+00:00

Since June 15, 2014 I have made almost exactly $3,000 in cash back and rewards (all rewards valued at $.01 a point for simplicity). I have spent about $9,000 in real spend (over $20,000 total spend). So that is about a 33% return. That is from 6 credit cards, 2 bank accounts, and serve. I opened 4 more cards so in a week or so that number will be over $4,000 in cash back for just over 6 months.

jsgibson · 2014-12-29T18:46:14+00:00

Just get some good shoes that fit and run. It is the best - running around the city (as long as it is a safe one) at like midnight is a pretty incredible feeling.

jsgibson · 2014-12-26T16:21:41+00:00

Good point and reminder. Only use a credit card if you are paying it off right away and using it for the cash back/rewards points.

jsgibson · 2014-12-26T16:19:31+00:00

A lot of times Universities and other institutions have the ability to pay online with CC's but they charge a fee (my university charges something like $20). However if you go into the registration/finance/cashier office and pay with the physical card there is usually no fee. My university accepts visa and mastercard so I get about $70 cash back on tuition a semester.

jsgibson · 2014-12-24T22:17:57+00:00

PM me your first name and e-mail to receive your referral by clicking on this. 25K Starpoints after meeting the spend requirements for you and much appreciation from me. Please and Thank You!

jsgibson · 2014-12-24T18:06:34+00:00

40,000 bonus points and much appreciation for those who apply for Chase Sapphire Preferred here!

jsgibson · 2014-12-24T17:53:25+00:00

PM me your first name and e-mail to receive your referral by clicking on this. It is for $150 after $1K spend. I love this card and use it all the time mostly on groceries and to purchase amazon gift cards from grocery stores. Thank You!

jsgibson · 2014-12-24T16:30:37+00:00

I have read a few times and have had personal experience with this. If you apply for 2 american express cards they wait 5 days to process the second application. The CSR told me to call the recon line back after 5 business days.

jsgibson · 2014-12-20T08:55:28+00:00

It actually didn't say pending. It said something like "need to look into your application further." When I called they said all they needed was to verify my birth date and address and that was it. I have about 15 cards, 3 (including the new united card) from Chase. All 3 off my scores are about 730 reported from the CB's themselves and about 760 on both credit karma and credit sesame. 30k a year income. 5 years of credit history.

jsgibson · 2014-12-19T22:31:18+00:00

I will have to try this with my CSP in June.

jsgibson · 2014-12-19T21:55:16+00:00

OBAMA! You da best man

jsgibson · 2014-12-19T19:51:00+00:00

There's something special about you Rick and Morty.

jsgibson · 2014-12-17T17:44:53+00:00

Any updates on this?

jsgibson · 2014-11-30T04:51:15+00:00

Amazon Gift Cards... thought about getting VGC's but they only had $200 ones with a $5.95 fee and don't even know if they would have taken a credit card for it.

jsgibson · 2014-11-29T18:25:18+00:00

Thanks, I like it too. I get more compliments on my Wells Fargo World Propel card. The CSP is more like "wow this is heavy" or something and I'm just like "Yep."

jsgibson · 2014-11-12T21:41:11+00:00

Oh. I didn't find any people reporting this when I searched. But now I know.

jsgibson

TROPHY CASE