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.

May you proudly be tailgated home by a truck flashing its brights.

If you put an onion cut in half in their casket they won’t get sicker.

3 years, 1 month, 4 days… dude, really should have considered doing that a little sooner. Could we at least work a few memes or rick rolls into these speeches, like with Melania, to make them more interesting?

The nsfw content, mostly.

You gotta admit, though, that 11-year-old boy might make a good Secretary of Defense after this one.

I might even bomb Yemen next month… I mean I’m not going to tell a reporter about it, though, I’m not as stupid as an 11-year-old boy.

He’s hurting the wrong people, and no one is more wrong than a republican.

Hurry up and die so you can take your room in the Henry Kissinger wing of hell.

I work in business and I don’t spend long at the table with these kinds of people. They’ll keep hammering unless you push back, and it’s not worth my time… in fact you generally find whatever they brought to the table they’re screwing someone else out of who can’t say no. Always better to move on and find someone else to work with. Always.

Do we have a list? Have any of these girls turned 18? Daddy needs some sugar, and Mike will have to deny knowing these girls. 🤣

The elite should rightly be terrified, and the only outcome that protects them is to drop the illusion of equality and create “green zones” where they are safe, like in other third world countries.

Long slow slide is the best we can offer you.

Trick question: only one can be based, but the others need to be backed up on the server.

You ever wonder if it would be Peter Tiel if he was straight?

When you wake up on the back of a tyrannosaurus, you know your choices are hold on or be eaten.

Hold on, this is a bit far-fetched. Do you expect me to believe a republican left politics without dying?

“A loose cannon eventually points your way.”

~me

Kittens are clearly not wearing suits.

Gen X doesn’t do anything.