Lurker > _BlueMonk
LurkerFAQs, Active DB, DB1, Database 2 ( 09.16.2017-02.21.2018 ), DB3, DB4, DB5, DB6, DB7, DB8, DB9, DB10, DB11, DB12, Clear
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| Topic | im in san francisco. all the smoke in the air has turned the sun/sky red. |
| _BlueMonk 10/11/17 2:27:12 PM #1 | it looks like a sunset but its only like 11:30am. crazy. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | what's a good intro-level credit card to use to earn miles? |
| _BlueMonk 10/11/17 2:11:44 PM #3 | Chase Freedom/ Freedom Unlimited. Chase Sapphire Preferred if you can get it. use this pre approval site to see what you can get: https://www.chase.com/prequalified these will earn you Chase Ultimate Reward points which are very versatile. they can get you cash back at 1 cent per point, or, with a preferred/reserve/ink card, you can transfer them to airlines/hotel chains for even better redemption there. i booked a 16000 dollar flight for 160000 points, that's 10 cents per point redemption! and if you have other UR earning points, you can combine them. its best to have multiple cards to earn more points in different categories. American Express's cards are good too. the Amex Everyday is a good option. works the same way as chase points do, but with different travel partners. amex just tends to be about perks and not to much point value, but they can be very good too. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/11/17 1:58:44 PM #36 | @Muffinz0rz posted... Applied for Freedom Unlimited. They said it could take 30 days for me to hear back via regular mail -__- thats normal. here's a useful flowchart https://imgur.com/a/oXlPW call the automated number and listen to what the robot says. if its still 30 days, they haven't done anything. if its 2 weeks, you're golden! if its 7-10 days it might be held up in identity confirmation, or denied. if its 7-10 days you can call them (the other number on the flowchart) and talk to a rep and see what's up. i got 7-10 days when i got my Chase Sapphire Reserve. i called and he told me i had applied to to many cards in 30 days. applied a month later and was approved, so don't worry. i also got pending when i went for my chase sapphire preferred. i didn't know about the automated line and called their recon and he said they just needed to confirm my identity. since i was already a chase customer they just texted me a code and i gave it to him over the phone. American express did the same with me, and i had to answer a bunch of "which of these addresses did you once live at" questions. it was easy. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 10:32:43 PM #32 | Anyway I'm excited for my trip. Gonna eat so much kimbap --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | with all the fires in the northern bay area, our school in San Francisco is |
| _BlueMonk 10/10/17 5:48:58 PM #3 | Butterfiles posted... what grade(s) do you teach? im supposed to be teaching high school after school, but the school has been lazy to let us start. so im helping with our middle school operation. its.... great... --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | with all the fires in the northern bay area, our school in San Francisco is |
| _BlueMonk 10/10/17 5:41:10 PM #1 | on a semi-lock out. no kids allowed outside cuz of the air quality. these kids have been inside all day. what a nightmare. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | for the last 5 years, i had been paying interest on a credit card from chase |
| _BlueMonk 10/10/17 5:40:14 PM #3 | |
| Topic | for the last 5 years, i had been paying interest on a credit card from chase |
| _BlueMonk 10/10/17 5:36:17 PM #1 | the chase amazon card. i maxed it out real quick and was paying 15 dollars a month in interest just to float my bills. today, after turning my financial life around, just booked a 16,000 dollar flight itinerary using chase credit card points. 900 dollars in interest <<<<<< 16,000 dollar flight. i'd say it worked out. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 5:25:47 PM #31 | Muffinz0rz posted... _BlueMonk posted...-snip- if you can't get the sign up bonus, then don't get the card. you can always get this later (granted you stay under 5/24, and don't get a Reserve) it's up to you, of course. the spending categories can be great, but really only if you hit the upper limits of the 1500 that they limit you to. like, if you don't spend a lot of money at walmart (its current category), then i wouldn't do it. we don't know the future categories, but you can view this past year's categories: https://creditcards.chase.com/freedom/calendarreminder they tend to repeat so yeah. if you don't think you'll hit the 5% categories a lot, then go for the freedom unlimited. or... what i would do.... it get both. you can get 2 chase cards in a 30 day period. also, if you apply for a card, and then another in the same day, they will combine the hard pull (so you'll only see one hard pull from chase on your report). what you do is apply for one card, and once that's approved (sometimes you need to call in, called reconning.) you apply for the other one. but since your credit is new (i think), it might be hard to do. heads up, since this is your first card with chase, it might go into pending and then they'll call you to verify your identity. chase didn't do this for me, but American Express did. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 3:52:05 PM #28 | okay. well since this is your first card and its only been 3 months with a 2k limit, just keep working on that until january, or 6 months. then you'll be ready for tier 1 cards. i suggest the Chase Freedom or Freedom Unlimited cards. they will give you Chase Ultimate Rewards points. they're really useful but only until you get a tier 2 card like the Chase Sapphire Preferred or Sapphire Reserve. then you can redeem them toward travel or transfer them out to airline/hotel partners for even better redemption. in the meantime, the UR can be redeemed for cash back. 100 points = 1 dollar. you earn them at 1 point per dollar. so bascially its 1% cash back. the freedom has special, quarterly categories where you can get 5% cash back (right now its department stores and walmart) and 1% on everything else. freedom unlimited is interesting cuz its 1.5% on everything. if you don't want to get a chase card or they won't give you one (they're a bit picky with who they give cards too), then an American Express Everyday card is good too. you earn Membership rewards points which is bascially the same as UR. no annual fee, and Amex is really easy to get a card with and get a high limit. Discover will give you a card easily too. after you've had tier 1 cards for a half a year, a year, then you get move on and get the more premium cards, like the chase sapphire preferred or reserve. i think these 2 cards are the best card to have and put everything on cuz not only do you get UR, you get more UR for dining and travel. and you can redeem on chase's site for 1.25-1.5x rate (meaning 100 points is worth $1.25/1.50. and they can transfer to hotels and airlines. this his how i got my 16,000 dollar flight. i transfered 160k points to united. its effectively 10 cents per point so its crazy good (remember chase will give you minimum 1.25 cents per points if you use their portal) you can see if you're prequalied for chase's cards if you put in your info here: https://www.chase.com/prequalified its a soft pull so don't worry about it lowering your credit score. i use credit karma to view my score. theres lot's of prequalication check sites so i would use those to see if folks are willing to give you a card. a good rule of thumb too is to check the APR they offer you. if its a range (like it says "17.99-23.99%") its not a prequalication. if its a set number, theres a good chance youll get the card. if you want more, theres a whole world of rules out there (like chase won't give you a card if you've had 5 new cards in 2 years, or 2 cards in 30 days, or 1 business card in 30 days). check out Doctor of Credit (google it) or the /r/churning subreddit. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Laughing at racist jokes doesn't make you racist. |
| _BlueMonk 10/10/17 3:34:02 PM #4 | its just a social experiment bro --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | I got about 3 hours of sleep. |
| _BlueMonk 10/10/17 3:33:37 PM #4 | i remember the night after my high school prom i had to go to work. i had stayed out all night and got like 2-3 hours of sleep. i worked at a restaruant as a cashier. i was in a daze. i remember a guy asked for a slice of pie. i went over to get it, and it fell on the floor. and i just stared at it. and stared. and stared. my boss let me go home lol. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 3:28:56 PM #26 | Muffinz0rz posted... What's a good second card when I hit that point? Like something within grasp for someone with a good score and some history, but also has good rewards? i can help sure. what card do you have right now? when did you get it and what's the credit limit? are you interested in cash back, points for travel, or both?? --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 3:24:27 PM #24 | E32005 posted... This is a lame gimmick bro  --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 3:23:30 PM #23 | Muffinz0rz posted... What is a "hard pull"? a hard pull is an indication your report that you applied for credit. it says that this bank/company was contacted by you to recieve your credit report. they lower your score, but only by a little. the opposite is a soft pull, where companies just go ahead and look at your score and offer you preapprovals or let you view your report/score, etc. hey don't show up on your report because they are not an indication of you applying for credit, but was still accessed. you can see them on some reports if you're curious. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 3:19:53 PM #19 | Muffinz0rz posted... How exactly does churning work then? I mean, I get the signup bonuses in the short-term, but is it really worth negatively impacting your credit score in the long-term? And isn't keeping track of 10 cards a huge pain in the ass? most times, the credit cards will boost your score, especially in the long term. more accounts is better on a report, and so is the added credit limits (lowering your utilization). the only negative things are the average age of accounts, and the hard pulls. but obviously, the longer you have the cards, the better your age is, and the hard pulls stop mattering after a couple months and fall off after 2 years. in 5-10 years, my score is gonna be amazing cuz ill have a SOLID base of accounts in good standing. banks trust people with more accounts than few accounts, cuz it shows you know how to manage credit (granted i dont mess up). it can be a hassle, but i use Mint.com to view all my accounts and budget them. i also use my own excel spreadsheets to manage everything. it can be a hassle, but hey, i got a 16k flight for free for what, 10 minutes of math a week/month. my gf has 1 card and a 760ish score. she can't get approved for premium cards cuz banks see her one card, her limited history, and go no thanks. but me, with fucking 18 missed payments on my account but 5 years of history and 10 accounts and they're just throwing cards at me. its weird. the way i see it, a good score is a tool. why have a 850 score but be too afraid to open a new account. use it! obviously if you're going to buy a house soon, maybe take a break, but in the mean time go until you start getting denied and wait for it to recover. thats what im doing. barclay decided ive had too many and denied me, so i took this as a sign to let my score recover. but then i got 2 more cards. oops. but i didn't get a hard pull for these accounts so yay lol. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 3:00:08 PM #17 | Muffinz0rz posted... What's your credit score? well. after a year of opening new cards, its a bit low. its 693 right now. but after a couple of months this will bounce back up to around 720,730ish. i have 10 credit card accounts on it lol. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 2:22:51 PM #16 | Lonestar2000 posted... Hope you like getting nuked TC. well. yeah. im worried seoul will become an active war zone and i wont be able to cancel my trip. i put the taxes and fees on my chase sapphire reserve card which has travel insurance... BUT... dammit! --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 2:19:06 PM #15 | CableZL posted... _BlueMonk posted...and plus, my credit card journey isn't over yet! in two years, i can cancel all these cards, and get them again!!!! oh yeah. i guess i meant, downgrade the card to a Freedom or Freedom unlimited. and im also working on getting my girlfriends credit score up. problem is, i added her as an AU for a bunch of my accounts so they're gonna think she has 7 new accounts. she's really only 2 new accounts in. she'll hit that 5/24 rule (chase will deny certain cards if you have more than 5 new accounts in the last 24 months). she'd have to call in and stuff, but she's shy lol. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 2:15:25 PM #11 | myztikrice posted... You could have used that for multiple trips to different places i could have, but i dont have all the time in the world to spend traveling. im taking a week off for my 30th birthday and what better way to celebrate it? flying luxury to my favorite country with my favorite girl (well my only girl), and just eat korean food, get really drunk, and chase my kpop dreams. and plus, my credit card journey isn't over yet! in two years, i can cancel all these cards, and get them again!!!! --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 1:26:09 PM #7 | CableZL posted... I've got enough points on my Capital One Venture card to take a $950 plane trip somewhere. nice. i wonder how much my flights would have cost cash. lemme check... haha shit. found my itinerary again and selected cash. it would have cost me $15,647.20 for the whole thing. whooooooooaa nelly --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 1:24:54 PM #5 | Pogo_Marimo posted... How https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred + https://creditcards.chase.com/a1/sapphire/reserve + https://creditcards.chase.com/credit-cards/chase-sapphire-preferred made for 180000 points. and i got another 20k from the ink for a referal. i used some points on my LA trip earlier this summer. with regular spend and earning i had about 200k points. the two business class tickets cost me 80k points each (im going with my girlfriend) and a measly 22.40 in taxes. mind you, this is sadly one way. ill have to fly back economy (which im paying for with points again, this time from american express). and my hotel is gonna be free too, paid for with my SPG Amex card. though, i might go to japan. if i can find the points for it. TIME TO SIGN UP FOR MORE CARDS! --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | im scared to book my flight to south korea |
| _BlueMonk 10/10/17 1:03:18 PM #5 | CapnMuffin posted... Yeah, two countries of people being disintegrated would really put a damper on your credit card churning. it really would! --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | just paid $22.40 for 2 business class tickets to South Korea. |
| _BlueMonk 10/10/17 1:02:58 PM #1 | so excited. my first time in a non-coach/economy flight AND im going back to south korea to rechase my kpop dreams. yay --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | im scared to book my flight to south korea |
| _BlueMonk 10/10/17 12:11:39 PM #1 | my credit cards travel cancelation insurance doesn't cover outbreaks of war. if trump blows up north korea and north korea blows up south korea. im out all these points! --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | i wanna see alexa's biscuit butt |
| _BlueMonk 10/10/17 11:16:49 AM #1 | <_< dont tell my gf. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Is K-pop the most racially diverse genre of music? |
| _BlueMonk 10/10/17 12:52:29 AM #39 | Gamer99z posted... Zikten posted...why does CE love K Pop so much more than J Pop? kpop: https://youtu.be/ePpPVE-GGJw?t=28 jpop:  kpop is like 98% fan service and jpop is about.. i dunno man. whatever that is --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Are you going to your 10 year HIGH SCHOOL REUNION?? |
| _BlueMonk 10/10/17 12:48:14 AM #21 | my 10 year whatever was last year and as far as i know, no reunion was held. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | fuck Youtube |
| _BlueMonk 10/10/17 12:47:36 AM #1 | and fuck Jimmy Kimmel too --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | why the fuck is bayley in the nintendo world championships and not Sasha? |
| _BlueMonk 10/08/17 10:44:56 PM #5 | Makeveli_lives posted... Who gives a shit? i dunno man. i just i dunno --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | lol this shinsuke nakamura guy sucks. why is he on tv? |
| _BlueMonk 10/08/17 10:20:23 PM #1 | people right now are saying this THANKS TO WWE THANKS TO VINCE --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | why the fuck is bayley in the nintendo world championships and not Sasha? |
| _BlueMonk 10/07/17 5:55:26 PM #1 | https://pbs.twimg.com/media/DLjtaPdVAAAu0C5.jpg sasha is on upupdowndown like all the time and shes actually GOOD. bayley was on it and she was terrible --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | whoa i didn't know FamilyMart in South Korea changed |
| _BlueMonk 10/07/17 11:41:02 AM #1 | now its CU. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Do I want Vsync on or off |
| _BlueMonk 10/06/17 2:05:59 AM #4 | if you leave it off, parts of the screen will render before other parts, and itll look disconnecting and tearing. turn it off, and start looking for lines across the screen. youll see it. turning vsync on prevents this, but it takes up a lot of horsepower and can slow the computer/game down if it's not powerful enough. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Is being totally wasted drunk actually fun? |
| _BlueMonk 10/05/17 4:56:29 PM #4 | lilORANG posted... Hell yes. Until you get sick. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | I am proud to be a part of the Harry Potter generation |
| _BlueMonk 10/05/17 4:45:15 PM #7 | my dad made me read books all the time as a kid. it went from an hour a night to like 2-3. i would cheat by hiding the remote and watching tv and turning it off as soon as i heard him coming. then he got me the harry potter books. i read those. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | TWICE's new japanese video is out. it is PERFECTION. so cute!!! <33333 |
| _BlueMonk 10/05/17 4:40:40 PM #9 | Two_Dee posted... Oh i knew some of them were Japanese and 1 was Taiwan yeah its par the course for many top korean idols. make it big in korea, then go to japan. then china. some try America (see: girls generation, wonder girls, boa) but they all fail. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | TWICE's new japanese video is out. it is PERFECTION. so cute!!! <33333 |
| _BlueMonk 10/05/17 4:37:18 PM #7 | GiftedACIII posted... Two_Dee posted...i thought they were Korean more on this i guess, some of them are. sana, mina, and momo are japanese. chewy is taiwanese --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | TWICE's new japanese video is out. it is PERFECTION. so cute!!! <33333 |
| _BlueMonk 10/05/17 4:36:47 PM #6 | Two_Dee posted... OMG theres a Japanese version of Knock Knock yeah. they did an japanese EP of all their title tracks in japanese. theres also music videos which are super cute. my favorite is TT  --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Should I spend $130 on makeup today or in two weeks |
| _BlueMonk 10/05/17 4:35:54 PM #12 | well. since it seems to be mostly disposable income, i dont think you have to worry about most of the financial burdens living paycheck to paycheck has. when i was in high school i spent all my money i got for my weekend job on an iMac, electronics, and itunes music purchases lol. maybe look for better deals or go for it if you know you're not going to buy other things in the future. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | TWICE's new japanese video is out. it is PERFECTION. so cute!!! <33333 |
| _BlueMonk 10/05/17 4:32:54 PM #3 | Two_Dee posted... i thought they were Korean they are. they're promoting in korea and in japan. this is their japanese stuff. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | TWICE's new japanese video is out. it is PERFECTION. so cute!!! <33333 |
| _BlueMonk 10/05/17 4:29:11 PM #1 |  i love them so much <33333333 --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Netflix raising price from $9.99 to $10.99 |
| _BlueMonk 10/05/17 2:30:16 PM #28 | StarsOfCCTV posted... Their plan is to kill off all the cable companies and once they are gone they can massively hike the prices yeah. if we start seeing everyone else raise their prices, we know what's coming. well, yar har fiddly dee dee, boys! --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Thoughts on what Ta-Nehisi Coates said to Colbert about race? |
| _BlueMonk 10/05/17 2:25:36 PM #20 | i think that dudes point is that whiteness will change to keep whites in power, and colbert hopes that doesn't happen (whites staying in power over other races, meaning he wants equality) cmon guys stop being dumb. --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Netflix raising price from $9.99 to $10.99 |
| _BlueMonk 10/05/17 2:15:02 PM #3 | wtf am i going to do i have student loans to pay, bills, and rent wtf wtf wtf i guess ill just start selling drugs and my body its the only way to survive in this THIRD WORLD country --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | so i know host a Middle School K-pop club at the school i work at |
| _BlueMonk 10/05/17 1:57:00 PM #5 | up --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | apparently texas got hit by a hurricane? |
| _BlueMonk 10/05/17 1:56:31 PM #2 | no one? --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | apparently texas got hit by a hurricane? |
| _BlueMonk 10/04/17 11:00:19 PM #1 | did anyone hear about this? --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | Is K-pop the most racially diverse genre of music? |
| _BlueMonk 10/04/17 4:37:07 PM #33 | Mr_MacPhisto posted... I want a Thai massage from Lisa in Blackpink man why you gotta be racist like that --- One in a Million, TWICE! Dahyun is BEST. |
| Topic | so i know host a Middle School K-pop club at the school i work at |
| _BlueMonk 10/04/17 4:28:08 PM #4 | anyway all we do (well they do) is just practice their kpop dance choreography. and i talk about how much they should love Twice and not BTS. they dont like me dissing BTS lol --- One in a Million, TWICE! Dahyun is BEST. |
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