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+--- Thread: Madison MoneySports - Personal Finance Thread (/showthread.php?tid=11501)
RE: Madison MoneySports - Personal Finance Thread - Apoc - 03-20-2019
Until you have to destroy the metal card because the replacement has the same number. I actually had to use a blowtorch.
RE: Madison MoneySports - Personal Finance Thread - JPolen01 - 03-20-2019
(03-20-2019, 10:20 AM)Apoc Wrote: Until you have to destroy the metal card because the replacement has the same number. I actually had to use a blowtorch.
I think you actually have to mail it back to Capital One for them to destroy it unless you go MacGuyver on it as you did. I have nothing in my house that could destroy it. Maybe a drill, but I don't have a vice to hold the card.
RE: Madison MoneySports - Personal Finance Thread - CaptainHenreh - 03-20-2019
Y'all have blowtorches and not a pair of tin snips?
RE: Madison MoneySports - Personal Finance Thread - JPolen01 - 03-20-2019
I actually need to buy some tin snips. Could have used them the other day.
RE: Madison MoneySports - Personal Finance Thread - Apoc - 03-20-2019
(03-20-2019, 10:48 AM)CaptainHenreh Wrote: Y'all have blowtorches and not a pair of tin snips?
Cutting a credit card into a half dozen pieces is a pretty weak way to prevent fraud. Even my two year old could put that back together to get the number.
RE: Madison MoneySports - Personal Finance Thread - Ken - 03-20-2019
(03-19-2019, 09:26 AM)V1GiLaNtE Wrote:(03-18-2019, 09:37 AM)Ken Wrote: I have 5 but really only use 3 of them.
Amazon Prime - Linked to mine and wife's amazon account for all Amazon purchases so we get 5% back
Chase Sapphire - "my" account but wife has linked card. Use for all dining and travel (includes Uber) for 3% back
Capital One Venture - "wife's" account, i have linked card. Use for everything else so we get 2% back
Citi Simplicity - Highest credit line, keep in case i need to make a larger purchase since they always offer 1.99% interest or something to that effect
Citi Thank-You - Keep just because i don't want to close
All are paid off completely each month. Thanks to this system between Sapphire and Venture our travel is always greatly subsidized. Sapphire's reward system is great when redeeming for travel since you get a 1.5x multiplier when booking through Chase, and since they use expedia as their search engine it's no different from regular booking.
Either way, money that we'd be spending anyway is guaranteed to give us back 2%. Win-win in IMO.
How do yo like the CaptialOne Venture points systems? How do miles translate into dollars?
One point is equivalent to one cent - so 64000 points is $640. I like that it can be retro-active, Toni just logs in and selects a travel associated cost (uber, hotel, flight, etc) and you click redeem and that dollar value is removed from your account.
(03-20-2019, 10:37 AM)JPolen01 Wrote:(03-20-2019, 10:20 AM)Apoc Wrote: Until you have to destroy the metal card because the replacement has the same number. I actually had to use a blowtorch.
I think you actually have to mail it back to Capital One for them to destroy it unless you go MacGuyver on it as you did. I have nothing in my house that could destroy it. Maybe a drill, but I don't have a vice to hold the card.
Yeah, you have to put it in an envelope to return, at least that's what I had to do with my Sapphire.
RE: Madison MoneySports - Personal Finance Thread - Apoc - 03-20-2019
(03-20-2019, 11:48 AM)Ken Wrote:
(03-20-2019, 10:37 AM)JPolen01 Wrote:(03-20-2019, 10:20 AM)Apoc Wrote: Until you have to destroy the metal card because the replacement has the same number. I actually had to use a blowtorch.
I think you actually have to mail it back to Capital One for them to destroy it unless you go MacGuyver on it as you did. I have nothing in my house that could destroy it. Maybe a drill, but I don't have a vice to hold the card.
Yeah, you have to put it in an envelope to return, at least that's what I had to do with my Sapphire.
I called the bank last time I got a replacement to ask and was told to cut it up with scissors. Okay.... shure.
![[Image: 21167331_10154657910131744_8052856682387...e=5D4DD941]](https://scontent-iad3-1.xx.fbcdn.net/v/t31.0-8/21167331_10154657910131744_8052856682387911194_o.jpg?_nc_cat=110&_nc_ht=scontent-iad3-1.xx&oh=98e65d06d15a338d05db73dd1bafbda2&oe=5D4DD941)
Madison MoneySports - Personal Finance Thread - Sijray21 - 03-20-2019
I like the burning method. Sounds fun, too.
![[Image: 16f473221d5522be85c6463561758425.jpg]](https://uploads.tapatalk-cdn.com/20190320/16f473221d5522be85c6463561758425.jpg)
RE: Madison MoneySports - Personal Finance Thread - .RJ - 03-20-2019
works for valve cover paint too
RE: Madison MoneySports - Personal Finance Thread - Jake - 03-20-2019
Chase sends you a postpaid, thicc envelope with your new card, so you can mail the old one back and have them dispose of it.
I didn't go to college to take a blowtorch to my fake-money-cards.
RE: Madison MoneySports - Personal Finance Thread - Apoc - 03-20-2019
(03-20-2019, 01:28 PM)Jake Wrote: I didn't go to college to take a blowtorch to my fake-money-cards.
I went to college precisely so I can.
RE: Madison MoneySports - Personal Finance Thread - V1GiLaNtE - 03-20-2019
(03-20-2019, 01:28 PM)Jake Wrote: Chase sends you a postpaid, thicc envelope with your new card, so you can mail the old one back and have them dispose of it.
I didn't go to college to take a blowtorch to my fake-money-cards.
Correction - It's not fake-money-cards. It's not-your-money-cards.
RE: Madison MoneySports - Personal Finance Thread - Beej - 03-25-2019
Apple's taking on the CC industry now. Cliffs notes: 2% cashback using ApplePay, 1% using the (titanium, nerds) physical card, 3% at Apple stores (digital and physical), paid back daily. Low rates, no fees (annual, late, over-limit). Super private. Available in the summer.
Not a bad deal but where's my Apple Mortgage?
RE: Madison MoneySports - Personal Finance Thread - JPolen01 - 03-25-2019
Meh. Highest % cashback using Apple pay...I still don't think that is 100% offered at every retailer. Definitely not getting Apple pay at restaurants. Most of our purchases are done online so we would not benefit much from it. 3% at Apple stores? How much Apple shit are people buying? That's nothing more than a gimmick. No fees is nice, but a million other cards offer no fees.
RE: Madison MoneySports - Personal Finance Thread - Sijray21 - 03-25-2019
(03-25-2019, 02:25 PM)JPolen01 Wrote: How much Apple shit are people buying?
don't doubt the power of Applefanbois.
RE: Madison MoneySports - Personal Finance Thread - Beej - 03-25-2019
(03-25-2019, 02:25 PM)JPolen01 Wrote: Meh. Highest % cashback using Apple pay...I still don't think that is 100% offered at every retailer. Definitely not getting Apple pay at restaurants. Most of our purchases are done online so we would not benefit much from it. 3% at Apple stores? How much Apple shit are people buying? That's nothing more than a gimmick. No fees is nice, but a million other cards offer no fees.
All fair points. As someone who is increasingly sick of feeling like a product/target, I like the privacy bit. The benefits may not be the best but I haven't had the patience for constantly chasing the best ones and won't deal with rotating perks, so they're decent IMO.
As for the Apple store bit, I don't replace products frequently (typing on an 11 year old iMac, just replaced a 5 year old iPad only because I dropped it)...but when I do it's a shit ton of money.
They're just encouraging people to buy their products/services at their locations, so whatever to that.
RE: Madison MoneySports - Personal Finance Thread - .RJ - 03-25-2019
Are they going to call me to handle fraud before its even hit my account with a phone call that a new card is being sent overnight? Probably not, so I'm not interested.
RE: Madison MoneySports - Personal Finance Thread - Apoc - 03-25-2019
Maybe you weren't holding the card right?
RE: Madison MoneySports - Personal Finance Thread - G.Irish - 03-27-2019
I kinda like the privacy value proposition but I realized that it's hard to judge what the difference will be in my life because I don't know how much junk mail, spam, robo calls, and targeted ads are due to my credit cards and not a million other reasons.
I think Apple's on to something with selling privacy as a primary selling point. I like where that path goes, but at the same time I'm definitely not moving back to an iPhone for now.
Madison MoneySports - Personal Finance Thread - JPolen01 - 03-27-2019
What's the privacy aspect of the card?