Lurker > _BlueMonk

im waiting for my gf's application to move forward, cuz she refuses to call.

her application gave her a notice saying they'll get back to her in 2 weeks and thats it. it doesn't even show up on the application status website.

THIS SUCKS. i need more cards! i might just apply for a card myself and knock out the minimum spend in one go on my rent. but im scared chase will deny me or shut me down.
---

One in a Million, TWICE!
Dahyun is BEST.

Antifar posted...

I think of it as Mr's.

Like she belonged to Mr.

But that might way off

thats racist.
---

One in a Million, TWICE!
Dahyun is BEST.

John Cena

i got his hat, his shirt, and even his arm/headbands.
---

One in a Million, TWICE!
Dahyun is BEST.

maybe.
---

One in a Million, TWICE!
Dahyun is BEST.

theres no R in misses
---

One in a Million, TWICE!
Dahyun is BEST.

0AbsoluteZero0 posted...

You're one of the saddest things ever TC.

whatever i have more credit cards than you
---

One in a Million, TWICE!
Dahyun is BEST.

ugh so wasted.
---

One in a Million, TWICE!
Dahyun is BEST.

sad!
---

One in a Million, TWICE!
Dahyun is BEST.

lol
---

One in a Million, TWICE!
Dahyun is BEST.

tai lopez wasn't lying.
---

One in a Million, TWICE!
Dahyun is BEST.

darkprince45 posted...

Turns out it was a security issue. Got both

heeeeeey congratz!

just shows that the more you learn, the more you earn.

learn about the credit card system and how it works. then, earn those rewards.
---

One in a Million, TWICE!
Dahyun is BEST.

PSXer_D5_MkIII posted...

If you haven't been to the dentist how do you know?

i guess you're right. but can't you tell if you have a cavity? like theres pain, etc.
---

One in a Million, TWICE!
Dahyun is BEST.

Chocolate for sadness
Wine for stress
Whiskey for problems.
---

One in a Million, TWICE!
Dahyun is BEST.

how are you all so fucked? i haven't been to the dentist since like, 2006 and my teeth are fine.

i just brush and floss
---

One in a Million, TWICE!
Dahyun is BEST.

Yaridovich posted...

Is this from that Phoenix Wright manga?

yeah. well the game. i never read the manga.
---

One in a Million, TWICE!
Dahyun is BEST.

ah, the days of my youth.

like the scent of fresh lemon
---

One in a Million, TWICE!
Dahyun is BEST.

MikeArmstrong posted...

Aw shit, she gonna be all over you

i dont have any tattooos... but i guess she likes them!

HOW COULD SHE DO THIS TO ME
---

One in a Million, TWICE!
Dahyun is BEST.

Pow Pow Punishment posted...

For some reason I thought you already knew it.

i was good at understanding korean 7 years ago when korea things took over my life. when i was in korea, i was usually the ones reading signs, menus, listening to koreans to figure out what was going on. i had trouble putting together korean sentence, but i could order food/alcohol easy lol.

but now, ugh. i can still read it, but i can't remember a lot of words.
---

One in a Million, TWICE!
Dahyun is BEST.

MikeArmstrong posted...

Make sure you show her how much money you saved by using credit cards vs the interest you paid on them.

you should't be paying any interest!!!!

WHY IS THIS HAPPENING!!!
---

One in a Million, TWICE!
Dahyun is BEST.

i bought 20 dollars worth back in may?? its 100 now.
---

One in a Million, TWICE!
Dahyun is BEST.

shes cheating on me!??!?!?!
---

One in a Million, TWICE!
Dahyun is BEST.

darkprince45 posted...

I've had the IT since 2012 :(

you can get 2 cards from discover! they have different uh, flavors of the card. i think Discover It Miles? try that.

also

if you want a 50 dollar bonus on your discover app, message me and ill send you a referral link. we both get 50.

and if you just want to be a bro i can send you a link for the amex blue cash everyday.

up to you though. good luck.
---

One in a Million, TWICE!
Dahyun is BEST.

smoke_break posted...

I'd do it sooner y wait

i want to make it romantic.

anyway. i dunno how im supposed to afford a ring. she rarely checks our credit cards so ill just sneak it in there. lol debt.

she also said if i ever propose, i better ask her dad for permission. ahhh im scared.
---

One in a Million, TWICE!
Dahyun is BEST.

salandrews posted...

Wasnt it because she had a boyfriend and they wanted her to be single?

Or was that another group?

jessica? maybe. i heard she wanted to sell clothes in china and her company got mad at her and they fired her. lucky for her, her boyfriend is a CEO of a smaller entertainment company and he just produces her music now lol.

and they all suck.
---

One in a Million, TWICE!
Dahyun is BEST.

Barclays?! FUCK THOSE ASSHOLES>

they denied me the admiral aa card cuz i had too many new cards
i applied for the SPG and Discover card the next day and both got autoapproved.

so fuck them and fuck uber.
---

One in a Million, TWICE!
Dahyun is BEST.

heres the place: https://i0.wp.com/www.flyhoneystars.com/wp-content/uploads/2016/12/goblin-drama-location-jumunjin-gangneung.png?w=723
---

One in a Million, TWICE!
Dahyun is BEST.

life.

so i figure that ill propose to her in april, on our big korea trip. ill take her to this famous spot where her favorite korean drama had a big scene at and pop the question

ahhhhhhhhhhhh
---

One in a Million, TWICE!
Dahyun is BEST.

darkprince45 posted...

I just need a card with 0 apr for right now. I'm gonna have to charge some stuff and pay it in a couple months. I just moved and I'm waiting for my police academy to start in 3 weeks. I have to buy a bunch of gear but I don't want to blow through money in case something happens

gotcha. if you can't get the slate cuz chase doesn't want to give you more cards, then i suggest a Discover It card. 0% apr for 18? months and its a really good card. might be hard to find places to use it.

either that or the amex every day cards. those are easy to get and have 0%apr for the first year.

for amex you can use this to see if you're pre approved:
https://www.americanexpress.com/us/credit-cards/check-for-offers/

but generally if you have a SSN and a pulse they'll give you a card.
---

One in a Million, TWICE!
Dahyun is BEST.

so that makes
chase sign up bonus: 300
bank of america sign up bonus: 100
charles: 100

500 bucks. too bad i have to pay taxes on it later though
---

One in a Million, TWICE!
Dahyun is BEST.

>2017
>still supporting racists

tsk tsk tsk.
---

One in a Million, TWICE!
Dahyun is BEST.

darkprince45 posted...

I just called. Two weeks on Amazon card. 7-10 days on slate

congrats on the amazon. call in about the slate. like said earlier, it might be security.

also why do you want a slate?
---

One in a Million, TWICE!
Dahyun is BEST.

im guessing nikki is being paid for her 2 WWE reality shows cuz shes not even on the show any more lol.
---

One in a Million, TWICE!
Dahyun is BEST.

Giant_Aspirin posted...

so do you like, actually carry all 11 of those cards with you in your wallet at all times?

no. i carry 4 that i use at stores, as well as 2 debit cards in case i go to a place that only excepts cash.
i switch them out depending on what ill use then. but i usually carry my chase sapphire reserve for dining, my chase freedom unlimited for non-category spend, a card i'm trying to hit minimum spend on to get the bonus, and a charge card, just in case.

all my other cards go into a folder that has sleeves for cards, to keep them organized.
---

One in a Million, TWICE!
Dahyun is BEST.

@darkprince45 posted...

In the last two years I got the aviator red, a chase freedom and a Macy's card.

I just got the citi obviously yesterday so I should be okay

All my banking has been with chase. I have 2 checking and savings with them since 09. So I will call again then

yeah call again.

also you can call this number: 800-432-3117

a robot will tell you about your application status.

if it says 30 days, then they haven't even looked at it and the rep was right lol.
if it says 2 weeks, 99% you're approved
if it says 7-10 days, its likely denied so give recon a call.
---

One in a Million, TWICE!
Dahyun is BEST.

I Like Toast posted...

Or you forgot which of your 37 cards you set up as auto reload

no i know which one it is. its the chase sapphire reserve. 3x points on travel, which includes bus fare lol.
---

One in a Million, TWICE!
Dahyun is BEST.

Silver Bearings posted...

No one has an issue at 815, so unsure how you will "have an easier time". Also, my credit history is 17 years including a mortgage and several vehicle loans.

well you didn't say that <_<

lol but even so, there are some places like chase, who wont give you a card unless someone else has given you a credit limit above what they would give you. amex, on the other hand, throws cards around left and right.

but i mean 17 year credit history will probably get you the card. <_<

@darkprince45 posted...

I'm an idiot but dude I'm pissed. I applied for chase Amazon, slate, and citi double cash

I got the double cash instantly

The other two got basically denied. I called the recon line and they told me it's under review and wait a week

i can help you with chase. chase won't give you a card if you have more than 5 new cards in the last 24 months. the slate is affectd by this, but the amazon isn't. you can only apply for 2 chase chards in a 30 day period, so you should be good there. only other thing i can think of is that they don't want to extend credit to a new customer if they dont see someone else already have done that. do you have any other cards?

if not, what you can do is hang up and call again. sometimes a new rep will be nicer. and if they question why you're calling back, just say you weren't satisfied by the last answer you got. this usually works. not with bank of america though, they'll just hound you for calling over and over. chase doesnt care.
---

One in a Million, TWICE!
Dahyun is BEST.

i set up auto-load so it automatically loads 40 bucks when my balance gets low. but the website said it takes 10 days to set up. so while that was pending, i loaded 10 dollars normally. then after a while, 40 dollars appeared on my card and the website said that autoload was complete. but my card was never charged. its been 2 weeks. im thinking the computer saw that the card was loaded and didn't charge my card again.

yay?
---

One in a Million, TWICE!
Dahyun is BEST.

@salandrews posted...

Is girls generation still a thing?

I dont follow any kpop groups but i remember them being quite popular on the board here some years ago

its broken up.

they used to have 9 members, then jessica got fired about 2 years ago. they've been promoting as 8 since, and they just had their (last) comeback back in august. shortly after, 3 of them announced they're leaving the company.

i doubt they'll promote as 5 members, so i think only their leader Taeyeon and maybe Seohyun will have a music career after this. the company doesn't seem to care about the others.
---

One in a Million, TWICE!
Dahyun is BEST.

Silver Bearings posted...

I have two and mine is 815.

i 100% guarantee you that i will have an easier time getting cards than you do in a year or so. my gf had a score of 770ish or so when she applied for a Chase Freedom, their lowest tier card. why? short credit history.
---

One in a Million, TWICE!
Dahyun is BEST.

Muffinz0rz posted...

Bluemonk this is a random question but how old are you

You can PM if you don't want to post publicly (or if you don't want to tell me at all that's cool too)

I'm 24 and feel like I'm a bit behind the curve with credit cards. I just got my Chase Freedom Unlimited and am really liking it. But I have this friend of mine who is also 24 and she's a LOT like you when it comes to gushing over the Chase programs. She has at least 3 cards from the Chase family and gets all these rewards and I'm like bruuhh I don't even think I could find $4k of things to buy to get the 50k points from Sapphire Reserve/Preferred if I decided to sign up for that one too (she signed up when the bonus was 100k points)

It's amazing the sheer amount of points you can get from all these cards. I just stumbled upon Shop Through Chase too. Extra 10% from Macy's got me to finally order new tennis shoes that I've been putting off for months.

im 29. turning 30 next year. which is why im going to hard on all these point-gaming cards. im celebrating my 30th with a big trip to korea. business class flight, luxery hotel, etc.

and i dont think you should feel down about not getting on this train. like you said, if your spend is not enough to meet the card bonuses, then you dont need to do it. right now, i need more SPG cards. theres a SPG business card that gives you 35000 points, but only after 10k spend. i know i dont have the ability to meet that just yet (cuz my previous method, paying rent via Plastiq.com, just got shut down) so im not gonna do it.

but, that doesnt mean you can't work on getting your score up. there are plenty of lower-tier cards that are easy to get that have good rewards, like the Citi DoubleCash, the Chase Freedom/Freedom Unlimited, and the Amex Everyday cards. the last 2 have sign up bonuses of only like 500 dollars so its easier to hit.

get those, and then later when you have more income then getting the premium cards will be no problem. my credit score was a mess before i hit the chase cards. i had 18 missed payments on a student loan account lol. but since i had a chase credit card from 2012 when i applied, they knew i wasn't a risk since i always made those payments (plus paid lots of interest to them. but ive turned that around lol).
---

One in a Million, TWICE!
Dahyun is BEST.

what happened CE? i thought you said my score would be shit and id go bankrupt.

WHAT

HAPPENED?
---

One in a Million, TWICE!
Dahyun is BEST.

adios!
---

One in a Million, TWICE!
Dahyun is BEST.

metralo posted...

dumb liberals

yeah fuck em!
---

One in a Million, TWICE!
Dahyun is BEST.

its all so hilarious
---

One in a Million, TWICE!
Dahyun is BEST.

smoke_break posted...

current fav k-pop song?

probably iu's latest song
---

One in a Million, TWICE!
Dahyun is BEST.

lol
---

One in a Million, TWICE!
Dahyun is BEST.

what's up
---

One in a Million, TWICE!
Dahyun is BEST.

https://www.wsj.com/articles/congress-votes-to-overturn-cfpb-arbitration-rule-1508897968

good people on both sides.

but hey cmon. whens the last time a bank has screwed over consumer--https://www.cbsnews.com/news/wells-fargo-uncovers-1-4-million-additional-fake-accounts/

oh well.

uh.
---

One in a Million, TWICE!
Dahyun is BEST.

Highwind07 posted...

Nayeon's promotional image for Likey was funny.

Momo's though.....whoo she was hot.

ugh momo. i can't even
---

One in a Million, TWICE!
Dahyun is BEST.

Payzmaykr posted...

I don't recognize any of them. The bigger question is why anybody keeps up with these storylines now? They promoted the midcards to upper cards and it's just not what it used to be.

sorry grandpa.

but yeah. its just weird seeing the babyfaces just run in and beat up folks. like aj styles just teamed up with the shield earlier, but now he wants to kick their ass?
---

One in a Million, TWICE!
Dahyun is BEST.