I love credit cards so much! v2.0 (see first page for add'l details)

[ten6mom]

I guess I’m the only one that doesn’t like olives

I don't like them either!

 

[Haley R]

Man I’m glad Dh bought the stroller early this morning! They’re out of stock now

 

[PolyRob]

Coming in to share my menu! Well, DH’s menu... I can’t cook

17 pound turkey
Mashed potatoes
Mac and cheese
Stuffing
Cranberry sauce
Yeast rolls
Deviled eggs
Collard greens
Green bean casserole
Chocolate cheesecake
Bourbon bacon apple pie

I think that’s it...

 

[PolyRob]

I'm over here trying to make my own Black Friday deals. LOL I am still tempted by a Cricut. I see HSN has it for the same price as all other places ($50 off). I can save 15% and then get 16% back RMN.

Original Cricut Maker price: $399.99
On sale: $349.99
15% HSN coupon: $297.48
16% RMN cash back: $249.90

About 38% off full price. I am very tempted!

 

[wendow]

All olives... I could just replace the turkey with a bowl of olives and be content... well... could is probably the wrong word. I just do that!!

You and my dh would get along well lol.

 

[wendow]

Alrighty, my menu...I know you've all been waiting:

Late breakfast:
quiche
bacon
southern biscuits with mayhaw jelly

Snack:
veggie tray
deviled eggs
jalapeno poppers
piggies in a blanket

Dinner:
Relish tray
turkey breast
Cranberry sauce
corn bread dressing
mashed potatoes (also a la Pioneer woman)
green bean casserole
corn
honey'ed carrots
crescent rolls

Dessert:
pumpkin pie
apple pie
chocolate chip cookies

 

[mmmears]

I know it's early, but I want to wish you all a very happy Thanksgiving!

 

[Haley R]

View attachment 455323

Dh and I just laughed so hard at this. His face and “spatchy spatch” are priceless

 

[PolyRob]

Anyone still need Uber? Not as good as BJs because it is only 10%, but still something. @wendow I believe you missed out on the last Uber deal

https://slickdeals.net/f/13640587-u...45-100-gc-for-90-email-delivery?src=frontpage

 

[wendow]

Anyone still need Uber? Not as good as BJs because it is only 10%, but still something. @wendow I believe you missed out on the last Uber deal

https://slickdeals.net/f/13640587-u...45-100-gc-for-90-email-delivery?src=frontpage

Just saw this myself!! I think I definitely will need Thanks for tagging me!

 

[WVMomof3]

mayhaw jelly

Had to look this up. Never heard of it.

 

[PolyRob]

Best Buy is live! LOTS of movies MUWHAHAHA

https://slickdeals.net/f/13641277-4...ter-2-8-each-many-more-free-s-h?src=frontpage

 

[SouthFayetteFan]

.

 

[wendow]

Had to look this up. Never heard of it.

It's special to my home area! The berries only grow in a very small area of the US. Side story, once my great uncle was on the side of the road selling the jelly. A man stopped and tried the jelly and fell in love. He asked my great uncle to come work for Disney and supply his jelly to several resorts! This was about 25 years ago. My great uncle wasn't the least bit interested lol.

 

[Haley R]

Geez the crayola set I got my nephew is already sold out. I guess I picked popular items this year. That just went on sale 3 hours ago. It’s normally $30 and I got it for $10.

I also ordered a pot and a pan for $10 each from target and Dh got adjustable dumbbells from Walmart for $250

 

[Haley R]

Does the 90 day rule with chase only apply to business cards or all of their cards?

 

[LB002]

NCL is having a 30% off all cruises sale. Which stacks with the 20% past cruiser sale (if the sailing qualifies). Not *quite* as amazing as it sounds since they jack up the base price. But looks like we'll be saving $500 over 2 cabins. Sent off the refare e-mail to my TA, hope she gets back to me quickly.

Thanks for posting. Unfortunately it doesn't save me anything - $100 cheaper fare but I'd lose $200 in port credits, but my friend is a past cruiser so it could work out better for her!

 

[Lain]

I have never had a martini! All I can think of is Don't Tell Mom the Babysitter's Dead and "sweet or dry?" lol

Didn’t that movie come out before you were born?

 

[PolyRob]

Just saw this myself!! I think I definitely will need Thanks for tagging me!

Best Buy topping Walmart! 15% off!

https://slickdeals.net/f/13641424-25-uber-gift-card-21-5-more-free-store-pickup?src=frontpage

 

[SouthFayetteFan]

Oh boy @Haley R - the professor is about to send you to the corner!! Perhaps it's best not just for you but for EVERYBODY to revisit my Fireside Chat on CHASE PACING:

Please take notes...there will be a quiz later

From the ever-popular Fireside Chat with @SouthFayetteFan series comes a new edition:
A Comment on Chase and Pacing: Why 3 months??
So a lot of discussion recently about pacing with Chase and as you know, I'm obsessed with Chase pacing and velocity recommendations. I basically eat, sleep and breathe Chase pacing recommendations, lol!!

Some issuers have hard rules on pacing - Citi for example will flat out deny you for a 2nd biz card if you don't wait 90 days (typically recommended at 95 to provide a buffer). With regards to Chase there are 2 rules we know of:

• The 2/30 rule which means that you cannot apply for more than two personal Chase credit cards measured over any 30 day period
• And the 0/30 rule which means that you will get denied a Chase Biz card if you have been approved for any (personal or business) Chase cards in the last 30 days

So in a vacuum you could say...WOW I can go for a Chase Biz Card on day 1, a Chase personal card on day 2, wait 30 days and repeat this, right?? Wrong! You see, the scary thing about Chase is, if they decide that they don't like your application velocity they will SHUT. YOU. DOWN. And no, that doesn't mean they'll deny you. It means they will shut all of your cards down, give you 30 days to use your points, and cease doing business with you. To a churner under 5/24 this is basically a death sentence! People get shutdown for going too fast, things like 3 cards in 2 months, 5 cards in 4 months, 6 cards in a year, can all lead to a Chase Shutdown. Also, I would always count my months/days from APPROVAL date. That's the date that shows up on your credit report and the date that counts.

So how do you avoid this? You watch your pacing. I'll dig out an old comment for a bunch of pacing recommendations I made back in February:

• Minimum 2 months between applications of 2 Chase Personal Cards (only exception would be a modified double dip which requires two cards in 2 days - and in that instance I would attempt to have a "quiet" credit report for the preceding 3-4 months)
• minimum 3 months between applications of 2 Chase Biz Cards
• minimum 2 months between applications of a Chase Biz Card (first) and a Chase Personal card (second)
• Ideally a minimum 3 month "quiet" period before any Chase business application (2 months potentially ok though)
• You also want to watch how many other issuer applications you're putting in and what inquiries that is putting out there. AMEX seems to sometimes not do a hard pull which is nice. EXAMPLE: You may want to exercise caution applying for a Chase card with inquiries from AMEX, Citi and Wells Fargo in the past 3 weeks...
• Watch out for showing high balances on your credit report - consider paying down cards early (especially in the weeks preceding an application)
• Keep in mind that Chase can see ALL personal cards you applied for. Don't go hog wild with 4 new cards from other issuers and then think they'll be perfectly fine to give you another card (we don't have anybody here that really appears to be doing that)
• It still does not seem that TOTAL Chase cards plays any role in this, I have 7 open Chase cards and my wife has 10 and I don't have a lot of worry there.
• I would continue to reduce Credit Limits and keep them at a reasonable level - it's harder to be a "huge credit risk" if I don't have large limits that I could rack up and "bust-out" on...

So again you might ask, why 3 months?? 3 Months ensures that you will never run afoul of the overall pacing recommendations over the course of a 6, 12, or 24 month span.

So there's no HARD rule about 3 months?? No, there is not. As I said before, the only rules are 1/30 and 2/30.

Is it ok to not wait 3 months?? On occasion...YES. But here's what you need to watch - if you find yourself constantly pushing the envelope, applying at day 75, day 70, day 65; eventually you will have gotten too many cards in too short a time:

• Placing 90 days between cards means you will get no more than 4 chase cards in a 1 year span
• Assuming perhaps that you do a MDD one time in the year for some reason then you'd have gotten 5 chase cards in a 1 year span, still ok.
• If you condense that timeline to 75 days you'll find yourself getting 5 cards in a year (maybe 6 with a MDD mixed in).
• If you condense that timeline to 60 days you may find yourself now exceeding 6 cards in a year...now you're entering the danger zone.
• Even in short spurts this can be dangerous...if you do a MDD or even just do a personal card and a biz card a couple weeks apart and then come back with another card 60 days later and then another, you've now gotten 4 cards in 6 months. While you are raking in the points, is your future churning career earning opportunities worth the short term haul? I personally say no.

So that's where Citi Biz and Amex Biz cards can be your friend. If you find yourself without a MSR but not ready per the Chase pacing guidelines then mix in one of those cards or find something else to distract yourself. And if you find yourself at 75 days and deeply in need of a Chase card and you've followed ALL pacing guidelines up to this point, then you're probably safe to pull the trigger. Just don't let this become a habit. Maybe I should add one more bullet point above:

• It's ok to break the Chase pacing guidlines once in awhile but avoid doing it on consecutive card applications and avoid doing it more than twice in a year. And always wait as long as possible.

So there are some more thoughts on pacing and velocity. I find this especially of interest right now with the SW Performance Biz bonus reportedly decreasing in just 5-6 days and also due to the exposure the SW CP is getting right now and people's interest in trying to get that 2nd SW cards in less than 3 months.

As always, you can PM me about your personal pacing situation at any time and I will give you my read on it! Good Luck to all and hopefully this information is helpful!

EDIT: And because I generally don't trust people to be disciplined and do things in moderation, we've basically drawn a line in the sand of WAIT 3 MONTHS! This is probably especially helpful to newbies who really want to grab 6 cards in the first month because they want ALL. THE. POINTS. So I will continue to always say 3 months between Chase cards, because it is absolutely safe and easier to remember than the 20+ bullet points I've outlined throughout this post. But if you're capable of critical thinking and managing yourself in moderation then feel free to adjust your timing within your risk tolerance.