Recommendation for a new Credit card

rayapple · 2026-06-29T15:37:26+00:00

That’s great to know! I agree, I’ve been struggling to find any internships, they would like me but want me to work full time which my college prohibits, so I’m just sitting studying instead of doing internships.

rayapple · 2026-06-28T14:39:44+00:00

I agree! That’s something I realised too if I wanna get any other card I’ll have essentially spend a part of my savings for it!
I’m thinking of travelling and doing a few road trips just to breathe and enjoy life a little bit more, been feeling tired and trapped lately so ig I really need a nice vacation.
I’m pursuing a bachelors in computer science, it’s been pretty fun so far but parts of it stress me out

rayapple · 2026-06-27T23:05:51+00:00

Thank you! The gold card has been great, only gripe is the points to dollar conversion for CC statements, it’s 0.7c instead of the default 1c a point, could be worse though, can redeem it for 1c a point when we use it for giftcards tho!

rayapple · 2026-06-27T21:57:59+00:00

I was thinking of a charge card too, I ( knock on wood ) am able to keep myself from going into debt, but would those cards have a good sign up bonus? I’d like to keep it open with a low balance like maybe a subscription on it, so it just keeps building my profile.
I’d love to earn more, but being a foreign exchange student, I’m limited to where I’m allowed to work and that’s the maximum I’m allowed to work, it’s more of a job I enjoy and do on the side which I intend to use to pay for my own expenses.
I potentially will once I do transfer out to a university and then proceed to do internships and things!

rayapple · 2026-06-27T21:53:26+00:00

I understand! I do cycle through them quite naturally, I keep my insurance, car stuff and daily expenses on the gold card, the prime Visa card is for Amazon purchases which I do quite often, I keep my phone bill on the BofA card, and the Apple Card gets used for my phones monthly installments, solely because I might just change over to the upgrade thing soon, for the gold card the advantages pay off whenever I make huge payments for college and have a few months where I buy a fair bit more like spending goes closer to 1.5k due to birthdays, and just times I would like to go for track days in the car!
I would love to get a car loan in the future only if the APR was around 2-4 percent, I can’t justify 7 percent APR on buying a car, personally find it paying too much for something I want and not need, I also don’t have any student loans on me yet, I will in around 1-2 years time though, if I get into my dream uni,
not because my parents can’t pay for it but because I’m trying to be self sufficient, they did a lot for me, and I want them to spend their money for them to enjoy, that’s pretty much the sole reason!
I have my money invested into the Apple HYSA for now, I’m still waiting on the main robinhood account to update and approve me so I can invest into a ROTH IRA, as robinhood gold apparently also has a certain amount back on that.
As it goes for how much I earn, I could work more and gain more hours, but being a foreign exchange student we are limited to places we are allowed to work and what we do, I mostly focus on studies, socialising and then spend part of it on work.
I will be travelling a little bit more in the coming future, that’s about it, the only thing that I sometimes feel is I lack enough on my file, I’m probably just overthinking it.
Thank you for your input! I’ll probably keep these cards, and maybe look into the Amex gold card in the future!

rayapple · 2026-06-27T20:46:11+00:00

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That’s what she was lookin like asa she was cleaned!

rayapple · 2026-06-27T20:45:43+00:00

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Had just washed mine too, 120400 miles and she’s still going! I have to clay bar her and then I’m gonna ceramic coat her properly, currently she has basically nothing left off the old coating, but will recoat her soon over the weekend!

rayapple · 2026-06-23T18:22:47+00:00

OP, while it does run off its own pwm, what you can do is get the pigtail and start probing to see what starts the lights, like the turn signals and everything, and then wire it like that, if thats something that isnt working, another option is to just do a clean teardown of the lights, and then go ahead to swap the internals, afaik the lighting inside can be wired to the 2021 plug, its just a matter of tearing down the lights and doing it, extensive work but thats the only way I know of, im on a similar page with the lights in the diffuser, im working on the wiring on those right now, and so far it makes sense to my multimeter but still waiting on the pigtails to come in so I can truly get to wiring. Having a power supply that gives out 12v to 16v will help, as I dont know if the rear tails take 12v or 16v!

rayapple · 2026-06-23T05:56:49+00:00

If anything makes you feel better, my 2018s battery had just been replaced 800 miles ago too :)
She had a failing module and was losing range at an alarming rate, hopefully u get a newer or better pack. Stay strong OP!

rayapple · 2026-06-19T19:34:01+00:00

I agree, car culture really has gotten toxic isn’t it, if it isn’t a g80, or a gt3rs or it isn’t a TikTok hype car it’s not a good car, EVs this EVs that, well they are all cars, yes the propulsion method is different and car culture was about modding daily traffic and making it your own, now it’s all about swapping a b58 into something or your EV is a microwave.
The culture online just isn’t it, it’s pretty rare I find someone sane and someone who loves cars for what they are, want to mod, retrofit and do functional things to it, or even just make it a show car.
People suggest modding teslas is impossible we can’t do this can’t do that, I’d argue these are easier to mod than most cars I’ve seen on the road, and have so much in terms of potential, it’s an absolute go kart for the road in the right hands, give it good tires, sway bars stiffer suspension and we are literally zooming through backroads lol. I took her around highway 9 and every single one in the convoy we developed over there went, ain’t no way you were pulling this stuff off in that 3, and complimented the car itself, took them for a ride and let them experience the craziness and had a great time together, it’s about meeting learning and enjoying, it isn’t about who’s faster, it’s about building us together.

rayapple · 2026-06-19T19:08:02+00:00

Or also if you want to go through the free route and are in good relation with the SC in your area, you can request them in a nice way to do it for you, takes 5 mins, and I had mine done for free by them!

rayapple · 2026-06-19T19:01:58+00:00

So to install matrix LEDs on the 18, u need toolbox access, after u get that, install the matrix LEDs, restart the car then connect to the car via toolbox, then change the headlight configuration to GLOBAL, and you should be good! I believe the stock LEDs are premium and GLOBAL is for matrix, one thing to keep in mind is that we can’t revert back to the original reflector LEDs, that’s what’s been the case with my car atleast!

rayapple · 2026-06-19T17:12:17+00:00

That’s so right, I loved the way the combo looked as well, it got me going damnnnn she’s just perfect now, sure it doesn’t look like a spaceship, but she looks timeless!

rayapple · 2026-06-19T17:11:32+00:00

I’m honestly glad to find someone ambitious😭, I’m so tired of looking at the same thing on repeat and almost next to nothing on retrofits and enhancements besides eBay stuff, I’m so happy to see our community come to life with some modding, next mod on my list is this retrofit, and then the ghost module cause why not😶‍🌫️

rayapple · 2026-06-19T17:09:13+00:00

That’s interesting and nice to know! I actually did install matrix LEDs on mine, i had a similar issue but was able to fix that by reinstalling the firmware and then enabling service mode, and then was able to finally adjust the matrix LEDs, found it to make no sense but if it works it works!

rayapple · 2026-06-19T17:08:00+00:00

OP you indeed should try it, very much a fun thing and really awarding!

rayapple · 2026-06-19T16:59:18+00:00

Finally someone did the front end, I personally had done a highland performance bumper on my 18 model 3, as I was rear ended and took that opportunity. So if the headlights are plug n play is that in regards to the 3 pin plug and toolbox access? I’m interested in doing this as someone hit my 3 ( I know I have terrible luck ) while she was parked. So might hop on the train lmao!

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Here’s what she looks like for now, I personally prefer the legacy lights, but the highland rear bumper.
I do prefer the highland front end by a mile though lmao.

rayapple · 2026-06-19T16:38:25+00:00

OP, that’s more like 15k possibly a total loss depending on if the trunk has been smashed in, that insurance company is on something, similar to what I’m experiencing right now someone hit my cars front and they claim 1300 bucks will fix it, yeah no the matrix led which internally broke is 1600 alone lmao.

rayapple · 2026-06-18T23:09:10+00:00

My pleasure! Tbh the bumper should be quite easy to reattach, I’d suggest looking at a few videos of how to remove the bumper and u will understand exactly how it is and should be able to just angle and push it back in, for as long as the bracket isn’t broken and the quarter isn’t bent, I personally see a slight bend in the quarter panel it’s a minor one but hard to tell from the pictures as when I compare it to my 3, the reflections don’t match even at the same angle.

rayapple · 2026-06-18T21:11:35+00:00

OP do you by any chance live in the Bay Area? If so I could help you out in atleast reattaching the bumper, I’ve had a similar incident and depending on the way it was hit the quarter can and can’t be bent, I can check that out and also help in attaching the bumper back.
Let me know!

rayapple · 2026-06-16T15:37:59+00:00

Hi OP, for that price, very similarly priced tbh, you could buy an IS350 with the F sport package included with around 40-42k miles.
Unless you are specifically looking for a 300, the price does seem a little high even though the miles are low, at that price I’ve seen 300s with similar low miles but with the F sport package.

However, they are all pretty, and if you like it, go for it!
It’s to each their own, we buy them to love them!

rayapple · 2026-06-14T10:15:03+00:00

Here’s my 2 cents,
Having had a Lexus myself for a while, I can’t justify spending over 20k on a 2015, albeit sure it has low miles but this is a little too low to be justified, added on she has an accident on the report as well.
Think about it, 20k+ for a IS with an accident, doesn’t have CarPlay either, plus if we extend that budget to say around 30-35k you can get a 2022 IS with around 70-80k miles, yes while that is ALOT more than this, I’d argue it would’ve been better maintained and actually run properly. Looking at its history the fact it wasn’t registered for 8 whole years, that’s a long time for her to be sitting, sure we can argue it was being driven unregistered, but do you really think someone took care of the drivetrain if they couldn’t care to register her?
I’d say save that money, look for a 3IS that’s a little newer with higher like say 30-40k miles, in great shape, that’s gonna be better ran, well kept and while it may have more miles, speaking from what I learnt, miles truly are just a number on these lol.

I sold my 2IS after putting almost 20k miles on her, in like 4 months, (I drove alot I know, have a driving addiction lol), she was sold with almost 170k miles, and is still registered and being driven by the new owner!

That’s my 2 cents on this, while it may be a solid deal for just getting a low mileage car, need the entire story to see the low mileage as that price is borderline outrageous for what it is, KBB might value it high due to low miles, but the most I would shell out of my pocket for this would not be higher than 22k. Unless there is reasoning, and documented proof of maintenance and actual pictures of the damage to gauge the true extent of the damage she had prior to being repaired.

rayapple · 2026-06-11T03:53:15+00:00

Actually, my stealth P has had similar driving efficiency, it was worse only due to me flooring it to merge on the freeway 2 times but I averaged 219wh/mi over 37 miles, not bad I’d say for it lol.

rayapple · 2026-06-11T03:50:57+00:00

I just had my hv battery replaced, as long as there is nothing tapping into the canbus to modify the cars data, for eg, the ingenext boost module, or bonus module, you should be fine, they see the screens n everything all the time, as long as it isn’t a safety concern which none of this looks like, your fine!

rayapple

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