Posts Tagged ‘credit card’

July Income

August 1, 2009

Total for the month: $8782.78.

This includes both of our paychecks (four total), a housewarming gift of cash from my grandparents, interest ($1.28 woohoo!), and fifty bucks we redeemed from credit card points.

Now it’s time to finish plugging in numbers from receipts and our online account. Soon I’ll post how over-budget we went…

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Denied!!

July 18, 2009

You have to read this post’s title in your best Suze Orman voice. And if you don’t know who that is, why in the world are you reading a personal finance blog??

Mr D2S called up ol’ USAA and applied for their MasterCard credit card.

And we were denied.

Yikes.

We gross >$140,000 and we couldn’t get a credit card? I’m wondering if it’s because our credit has been checked so much lately with buying the house. Mr D2S also just opened up a credit card through a retailer. Hmmm. Who knows. And really, we don’t care. It’s not like we need it. It just would’ve been nice.

USAA Love

July 15, 2009

I’ve joked that I married my husband to be eligible for USAA membership. This isn’t true, of course, but it’s a big perk! I had never heard of USAA before we met, and I really wasn’t aware how awesome they are until recently.

My husband and I are both under the age of 25. I’d always heard that you had to be at least 25 years old to rent a car. This was concerning because we are flying across the country to attend a wedding in the fall, and didn’t want to rely on others for transportation after we arrived at the airport. After getting a couple quotes from rental car companies, we realized we would be forced to pay a huge fee each day due to our age. My husband was talking on the phone to one company and asked if there was any way to waive the fee. Turns out having a USAA membership does just that. And boom, we save about $120.

Also, we decided to install a security system in our new home. Because of ADTs partnership with USAA, we are saving a bundle! (I don’t know the exact numbers, but I’ll ask Mr D2S and report back.)

I do have one minor complaint regarding our banking with USAA, but it’s really not their fault….

Last post I mentioned that we only put 20% down on our furniture spending spree. We had planned on putting it all on our credit card. We get rewards points, and they rack up faster on the credit card vs our debit card. Well, surprise, surprise, the furniture store didn’t accept American Express, and that’s what our USAA credit card is.  Unfortunately quite a few places don’t accept it, and that’s our ONLY credit card. It was disappointing (missing out on about 1500 reward points), but no real tragedy, as we have enough in our checking account to cover the purchases. But…then our debit card was declined. A little embarrassing, honestly. The furniture won’t be delivered for a couple weeks because the dining chairs are on back order, so it’ll work out to pay the rest later. Hopefully, we won’t have to do it all in these little installments, though.

So while I could be mad at USAA and their dumb AmEx card, I think we’ll just apply to get their MasterCard credit card instead. Yay for choices!!

Credit Card Limit Increased

June 27, 2009

Mr D2S has had his credit card for about five years. His limit has always been $2500, which is sufficient. However, since we will soon be buying furniture and other stuff for the house, he thought we should try to up the limit. One quick phone call this morning and it’s now $5000. They told him we could get it higher if they did some credit checks, blah blah, something, but we’re fine with $5000. That’s more than enough.

We like to use our credit card on occasion, especially on larger purchases because of the rewards program. It’s nothing crazygood, we usually just redeem our points for gift cards to restaurants. Restaurant gift cards are my favorite, because I hate to blow money on eating out.  3000 points ($3000 on the credit card, or $6000 on the debit) = $25 gift card. See, not really all that exciting. But if we’re spending the money, might as well get some free dinners.