oh that’s right we don’t have a credit card or travel Lemmy yet. Okay, take down a few notes.

First you haven’t done anything terrible. Probably you’ve knocked your credit score down about 10 or 15 points. Not because of the opening and closing, but because multiple hard inquiries of your credit can cause the score to drop. That will repair itself over the next six months.

Something good to know is that American Express cards will only give you their sign-up bonus once per lifetime per person per card. I know that Chase will let you reapply two years after you drop a card and will give you the bonus, and I believe that’s the standard for other Visa cards or MasterCard.

I strongly recommend that you look at cards based on the rewards plan that they’ll provide you and the amount of spending required for you to be able to get the reward. I own several businesses so a $4000 or a $6000 spend is not a big deal for me over three months, But when I didn’t have that, I would need to figure out if I could make that spend over the required time period and go one card at a time. so back in my early days I was getting one card every three or four months, and then canceling cards about a year or two in, and then reapplying for them two years later.

I know that sounds complicated, but when you wanna fly to Australia, free and business class, and you don’t have a lot of money, that’s how you work the system.

Something good to know is there are essentially three tiers of credit cards. There are basic cards that will give you a lower reward, have a low spending requirement, and are generally with no annual fee. Then there is a second tier of cards, which will usually have a $95 per year fee, which is waived for the first year, and they have more rewards and perks. Then there is a third tier of cards that will have much higher spends (sometimes $6000-$10,000 in 3 to 6 months), but they will have much larger rewards along with about a $500 fee. I recommend staying away from the higher to your cards unless you can play that game and it’s not an issue.

OK, that is our Lemmy primer for everyone interested in credit card points.

Edit: I also strongly recommend you get one of the lower tier cards now, and keep that one with no anual fee from now on. Part of credit history is card longevity; I am a charter cardmember of a card from years ago for that reason.

Clearly you don’t frequent the NSFW forums

Are you open to orcs listening to Aqua?

Sometimes I choose this man’s ex-wife, but sometimes I have standards.

I understand if you fly two trump flags you are not only exceptional, you are even special.

How does your family feel about Andrew Tate given 2 choices: “crazy hot,” or “sneak into my bedroom, please.”

Did you… “sign the minerals deal” after, as the kids say these days?

I give $2 for a pizza, $1-2 if I’m picking up to go. Usually I go 15-20% for standard service but rarely tip over $30 a server unless the meal was outstanding.

Look at this guy eating chicken caviar.

For perspective of others, I will spend $200 on quality shoes, $100 on a good belt, $400 on a kitchen appliance. I tend to shop a bit, both for quality and then price. It helps that the kids are older and don’t break as much any more.

As I’ve started growing my wealth I’m able to buy quality things that last, and it’s led to the bizarre feeling that on black friday, I don’t need any of the door buster deals. You’ve probably heard of the Vimes boot theory of wealth, and I’ve seen it play out over time. I even re-sole good boots now.

I feel like you’re either just starting to learn rhetoric or military theory, and I am rooting for you either way, there is a lot to learn ahead of you.

A bully always makes sense when the other kid can’t punch back. Aircraft carriers are a wonderful tool as long as small actors don’t have the asymmetric ability to sink them.

I love to turn on the 24-hr adult swim of venture bros and just drop into an episode.

Well stop spec’ing $30k lights when it come from the same factory as the $500 light. 🙂

Electrical contractor, I’m actually posting from an attic right now. If you’re in a blue state and young, I strongly recommend you look into the field.

I did not come here to make this comment, but I upvoted it for its sentiment.

Does your school allow cat-calling in the halls?

Are any keys sticking on your keyboard?

All I see is ******* when you type it.