# Credit Card Thread **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [November 1, 2014, 9:23am UTC](https://forums.speedlife.net/t/credit-card-thread/270974 "2014-11-01T09:23:11Z")\ **Posts on this page:** 15\ **Page:** 3
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [November 4, 2014, 3:20pm UTC](https://forums.speedlife.net/t/credit-card-thread/270974/41 "2014-11-04T15:20:47Z")
You tried too didn’t you. ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [November 5, 2014, 5:30am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/42 "2014-11-05T05:30:18Z")
Originalsin should be in here. He’s bombing all around southeast asia for the next 6 months on points from rewards cards he racked up. ---
**Author:** ![Geehee](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/geehee/32/7238_2.png) [@Geehee](https://forums.speedlife.net/u/Geehee)\ **Post date:** [November 5, 2014, 6:24am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/43 "2014-11-05T06:24:37Z")
> [@JayS](#): > > Yeah, that’s not really the case anymore. Every now and then I’ll run into a small mom and pop store that doesn’t take Amex but more places take it. I have a Visa as a backup just in case. Even lloyds takes AMEX now. The only place I run into that doesnt take it (once in awhile, honest!) is the chinese place on delaware and hertel. Oh, and the village beer merchant on hertel, but last time I was in that place it was pretty empty… hope they are doin alright. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [November 5, 2014, 6:59am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/44 "2014-11-05T06:59:30Z")
Had to log into WellsFargo to see what places don’t take Amex, since that’s the only time I use that card. In the last couple months: Williamsville school bucks (for my kid’s lunch) Carpet Factory Outlet Funk Lawn Care Consumer’s Beverage And Funk says they take Amex but their site refuses to accept the 4 digit CCV code Amex uses. ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [November 5, 2014, 7:46am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/45 "2014-11-05T07:46:12Z")
> [@newman](#): > > Originalsin should be in here. He’s bombing all around southeast asia for the next 6 months on points from rewards cards he racked up. LOL I forgot Andy was on here ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [November 5, 2014, 8:16am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/46 "2014-11-05T08:16:26Z")
yeah i wanna hear more about Andy’s escapades as well ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [November 5, 2014, 8:21am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/47 "2014-11-05T08:21:03Z")
im surprised [www.thepointsguy.com](http://www.thepointsguy.com) hasn’t been mentioned yet - - - Updated - - - Andy turned me on to that site a while ago in order to get smart about cards to choose based on bonus offerings ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [November 5, 2014, 9:10am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/48 "2014-11-05T09:10:34Z")
i just spent the better part of an hour on thepointsguy’s site and googled the shit out of my card for reviews but it is so hard. everything seems to be based on people spending a couple grand a month on a card. the benefits of a high-annual fee / high earn rate card go up beyond the other cards when you start spending $5k+ a month but i dont see any good reviews or analysis on that. i guess at that rate they assume you are a business card holder. ---
**Author:** ![maverick27](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/maverick27/32/4946_2.png) [@maverick27](https://forums.speedlife.net/u/maverick27)\ **Post date:** [November 5, 2014, 10:47am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/49 "2014-11-05T10:47:25Z")
I’ve been actively using Discover cash back for the last year or so. I have not looked into opening up any new cards in the last 6+ months as I am closing on my first house this month. After this house purchase passes and I don’t have anyone analyzing my credit I will be looking into some of the more rewarding cards. But I can’t complain right now. I also have two other older MC’s that I never use, but just leave my account open to show a longer credit history and better available debt ratio. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [November 5, 2014, 11:15am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/50 "2014-11-05T11:15:13Z")
no the topic of this thread… get all your churning info here: > **[Churn, baby, churn! • r/churning](https://www.reddit.com/r/churning)** > > A place to discuss the nitty-gritty of "churning" credit cards to profit from sign-up offers. Share your success stories, your horror stories,... ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [November 5, 2014, 11:19am UTC](https://forums.speedlife.net/t/credit-card-thread/270974/51 "2014-11-05T11:19:11Z")
:tup: ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [November 5, 2014, 6:44pm UTC](https://forums.speedlife.net/t/credit-card-thread/270974/52 "2014-11-05T18:44:09Z")
[ATTACH=CONFIG]33909[/ATTACH]Churn em n burn em! Paid a total of $197 in annual fees in my life, taken easily 50 free flights and at least 25 free hotel nights. ---
**Author:** ![blank](https://avatars.discourse-cdn.com/v4/letter/b/a4c791/32.png) [@blank](https://forums.speedlife.net/u/blank)\ **Post date:** [November 5, 2014, 7:20pm UTC](https://forums.speedlife.net/t/credit-card-thread/270974/53 "2014-11-05T19:20:47Z")
[http://www.scotiabank.com/ca/en/0,,86,00.html](http://www.scotiabank.com/ca/en/0,,86,00.html) I just looked into this now. I never have cash on me, always use credit. I know with my TD premium account I get all fees waived if I keep a minimum balance…if anyone with a scotiabank account could comment if something similar is possible? ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [November 5, 2014, 7:47pm UTC](https://forums.speedlife.net/t/credit-card-thread/270974/54 "2014-11-05T19:47:04Z")
^ sounds reasonable… i got a cheque for $3,300 on a 1% card last year 🙂 ---
**Author:** ![KA24Power](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ka24power/32/5595_2.png) [@KA24Power](https://forums.speedlife.net/u/KA24Power)\ **Post date:** [November 5, 2014, 11:02pm UTC](https://forums.speedlife.net/t/credit-card-thread/270974/55 "2014-11-05T23:02:28Z")
That Scotia Momentum looks like its going to be my next card. I’ve been researching this the last few days, and so far thats the highest paying I can find in Canada. It looks like the cheques are cut at the start of December, so I think I’ll wait until mid-Dec before I sign up incase I decide its not worth it after the first year. That way the cash back can be redeemed in full and the card can be cancelled before the renewal date (and the $99 fee). [Previous page](https://forums.speedlife.net/t/credit-card-thread/270974.md?page=2)