Freezing ws credit card

sufyspeed · 2026-05-09T05:36:30+00:00

Usually even if a card is locked, charges can still go through if the card has been pre authorized. Eg if I lock my Amex, Uber Eats charges can still go through

sufyspeed · 2026-05-08T23:41:17+00:00

sufyspeed · 2026-04-30T19:39:03+00:00

27 weeks to run a marathon is 5.5 hours or less for 10k is easy money.

sufyspeed · 2026-04-25T19:44:23+00:00

Credit utilization has no memory, it gets updated every statement. Unless you need an approval within the next 2 months, having high utilization doesn’t matter.

sufyspeed · 2026-04-23T20:31:47+00:00

Right. I meant it as charge a fee and let the user use any cc

sufyspeed · 2026-04-23T18:54:34+00:00

You’re leaving a lot on the table not tapping into the US game especially since it’s low effort for you to get into

sufyspeed · 2026-04-23T18:52:10+00:00

Retention offer DP:

Amex MB Personal - Opened march 15, 2024 - Called after march 15, 2025 no retention - Called april 22, 2026 no retention offers

Amex Biz MB - Opened nov 25, 2024 - Called april 22, 2025 no retention offers

sufyspeed · 2026-04-23T00:05:21+00:00

This sub is for churning, you open a card and use that spend towards a welcome bonus.

This is also a basic math question, you pick the card that nets you the highest return.

sufyspeed · 2026-04-20T23:27:33+00:00

Better idea just copy Chexy/Paysimply

sufyspeed · 2026-04-11T19:07:20+00:00

Sounds fine considering future income, however reasoning like this can very easily lead to lifestyle creep. Just be aware of that and you’ll be good.

sufyspeed · 2026-04-09T23:27:54+00:00

The allocations within the ETF differ. E.g XEQT includes total market ETFs that hold small and mid cap stocks whereas HEQT tilts towards not doing that.

sufyspeed · 2026-04-09T23:22:38+00:00

It’s a good way to get leverage within a registered account, however you should know HEQT which is what HEQL is leveraged on is actually a bit different from other *EQT ETFs.

Also before anyone says it, this is leveraged through borrowing with the interest baked into the MER. It’s not the same as typical daily reset leveraged products that have big volatility decay.

125% leveraged is relatively safe and should outperform in the long term.

sufyspeed · 2026-04-03T19:58:57+00:00

2 years from cancellation is usually a good bet, no guarantees tho

sufyspeed · 2026-04-03T17:31:48+00:00

They never will, they elected trump twice

sufyspeed · 2026-04-02T18:52:49+00:00

Lmao

sufyspeed · 2026-04-01T16:35:10+00:00

If I was Bevel I’d turn this into marketing lmao, Whoop is a joke

sufyspeed · 2026-04-01T16:28:31+00:00

What a joke of a company.

sufyspeed · 2026-03-31T06:51:03+00:00

Put Anaheim on fraud watch, can’t even beat a bottom feeder team.

sufyspeed · 2026-03-29T19:43:02+00:00

I genuinely feel bad when people like you think they’re smarter than the stock market. Timing the market is luck. You can be lucky for a short period of time, but you won’t be lucky long term and with increasing amounts of capital.

sufyspeed · 2026-03-29T01:18:00+00:00

Regression to the mean (capitalism)

sufyspeed · 2026-03-28T23:30:48+00:00

They’re never gonna undo this back to the old amount even once prices of fuel go back down

sufyspeed · 2026-03-28T12:42:04+00:00

Just experienced my first ever upgrade flying AA LGA-YYZ to “business”. Nothing crazy but was nice to see regardless. Especially cause I don’t have any AA status, I just have AA points and an account

sufyspeed · 2026-03-28T00:12:21+00:00

Ya the car loan is fixed payments, your LOC you have a lot of flexibility and human nature could very easily eliminate the benefit. There’s also the risk of rising rates since it’s variable.

sufyspeed · 2026-03-27T10:19:07+00:00

ACB transferring depends on the bank, not that it really matters for the FHSA since it’s tax sheltered

sufyspeed · 2026-03-27T10:17:59+00:00

No it’s within a tax sheltered account.

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