The Money Mustache Community
Around the Internet => Antimustachian Wall of Shame and Comedy => Topic started by: dragoncar on February 28, 2014, 10:18:10 AM
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I often get offers from my credit card companies. I know I should opt out, but lets put that aside for now. Usually they are pretty generic. But I just got one from Discover that made me do a double-take. It looks like it's straight from "Uncle Bob's Fly-By-Night Loans LLC."
A reasonable facsimile can be found here: http://tweetmeharder.com/post/333254407/jmh1
Highlights:
(http://davidmalki.com/tmh/disc_G.png)
(http://davidmalki.com/tmh/disc_J.png)
Mine also had something that looked like this:
☑ Immediate reply required
☐ Read and file
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That's OK, it allows them to keep paying me 5% rewards and cashing them in for discounted Lowe's cards.
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That's OK, it allows them to keep paying me 5% rewards and cashing them in for discounted Lowe's cards.
That reminds me, I had some crappy version that only gave "up to 1%" on "other purchases." But if you ask they will switch you to "discover it" which is exactly 1% on "other purchases."
Also they have a lot of cool card designs that you can choose for free online.
I used to only use Discover for the 5% categories but I may start carrying it all the time. I noticed that more places take it now, despite it's inevitable demise in the far future:
Fry: "Do you take Visa?"
Clerk: "Visa hasn't existed for five hundred years."
Fry: "American Express?"
Clerk: "Six hundred years."
Fry: "Discover Card?"
Clerk: "Hmm...sorry, we don't take Discover."
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That's OK, it allows them to keep paying me 5% rewards and cashing them in for discounted Lowe's cards.
HA!
Back a few years ago, when I was leeching money as if I had a positive net worth worthy of Bruce Wayne, I did have several cards where I was just making the min payments. But my credit was good and things were awesome, so Discover sent me an offer. Gave me a 0% interest for 24 months on 9k of debt. HAHAHAHA!
I paid it all off in 18. The accounts are open for credit purposes, but only discover is in my wallet. I charge groceries, our gym membership, and any splurges to it, and pay it off that month. Then I get nice options for using my cashback on amazon for tools and clothing.
Eventually once I am sure my wife has no way of charging $1000 worth of hot dogs and cokes (I will post that story one day....) I might look for a proper rewards card.