re: How's your credit card bill(s) right now?

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It’s not the food that costs that much, it’s the guarantee of a hummer on the ride home and sex when you get there that drives the price that high up

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Marry the right woman and Cheddar's does just the same

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Marry the right woman and Cheddar's does just the same

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My wife doesn't even care for eating out. She'd rather eat at home and buy shoes, lots and lots of shoes.

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My wife doesn't even care for eating out. She'd rather eat at home and buy shoes, lots and lots of shoes.

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same

Paid the bulk of Xmas expenses already. Probably 6-7 over the last couple months

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I'd like to know what credit card he's using. I'm getting 2% cash back on all purchases, and 6% groceries would be ~$100 more.

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If he's using Amex Blue Cash Preferred, then he's spent quite a bit to get $1200 in cash back this year. The 6% is only on the first $6,000 in grocery purchases. That's $360. Tack on the promo $200, and he'd still need to spend an additional $42,000 to get to $1200 in cash back (assuming 1.25% cash back on average for the rest of the spending).

Not an OT baller, but our monthly bill for dining last month was $810.

That's a lunch every day for me. One dinner a week for at a cheap place. One nice dinner every two weeks. And one meh dinner every two weeks.

Now that I'm actually seeing it, we aren't eating out for two months

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Not an OT baller, but our monthly bill for dining last month was $810.

That's a lunch every day for me. One dinner a week for at a cheap place. One nice dinner every two weeks. And one meh dinner every two weeks.

Now that I'm actually seeing it, we aren't eating out for two months

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Do you have kids?

We were like that until we had our son. It's amazing what an obnoxious toddler will do to your eating out habits.

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I don't even know the username and password to go look. My wife handles that

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What can possibly go wrong?

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If he's using Amex Blue Cash Preferred, then he's spent quite a bit to get $1200 in cash back this year. The 6% is only on the first $6,000 in grocery purchases. That's $360. Tack on the promo $200, and he'd still need to spend an additional $42,000 to get to $1200 in cash back (assuming 1.25% cash back on average for the rest of the spending).

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Ah I didn't realize that.

I might not be maximizing my rewards potential, but I do love that I just swipe one card and know exactly what I'm getting with no limits.

I should admit though that it's not "cash back." It's rewards points, but we use them like cash for booking hotels and have found travel deals that have saved us quite a bit of money on vacations.

This seems as good a place as any to ask...looking to continue building credit

I have the entry level discover card and I get 1% back on everything plus 2% for like gas and groceries and shite. This is my first year and they are matching it all at the end of the year as well. Everything is going fine, I pay it off in full every couple weeks just to be extra cautious. My credit score hovers around 720-740 on their free reporting service. The discover card is my only line of credit.

What’s my next move to continue building credit and even get a card with some better rewards? I have 0 debt so I’m not building credit through student loans or anything. My car is owned outright and I’m not buying a house anytime soon. Should I just get another card or two to decrease utilization and increase my lines of credit? I also don’t want to get denied or have too many credit inquiries.