Category Archives: Credit Card

Credit Card Hacked and Other Updates

Hubby and I were sitting down on the couch Saturday morning. I was procrastinating starting the day and reviewing our finances on mint, when I received a Discover text alert about a mysterious transaction. Since I was checking our accounts, this was a very recent charge. I immediately texted back a “no” and called Discover. Our credit card was shut down by Discover and we will be receiving a new one. While it’s going to suck to update the bills that are automatically charged, I’m glad Discover caught the purchase so quickly. This is our 3rd credit card hack this year. The first two was with our chase credit cards (my hubby’s first, and mine later). Since we don’t really use our chase credit cards, I knew it wasn’t us when it happened. Thankfully, we will not be responsible for the fraudulent charges. One of the benefits of a credit card. We are using our backup credit card until we get out replacement cards.

The weather was beautiful on Saturday. So I decided to get out of the house, get some exercise, and go antiquing. It was awesome. I found a lovely antique store in St. Louis (The Heirloom). Check it out if you have a chance. I checked the entire antique row and the store was my favorite. The owner was so lovely and friendly. I splurged when I fell in love with a set of breakfast trays. I have wanted a breakfast tray since we got married but never found one that was worth the money or unique enough for my tastes. Also, I was glad to support a small business and such a wonderful owner. Customer service does win.

I did much better on the exercise front this week. My hubby made this amazing pulled pork in the croc pot. I feel like it should become a weekly meal :)

I still have to go donate a bunch of stuff. My car has been packed for months and I just haven’t made it to goodwill or a church. My goal next weekend is to go drop it off and finally free up space in my car!!!

Payday is next Saturday!!!! So close!



Applied for a Travel Rewards Card

Well, there’s a first time for everything, and I just applied for my first credit card in my plan to churn cards for the purpose of traveling.

I’m not the first one to do it, and definitely not the best at it. I did some research before taking the plunge and honestly, should have taken the plunge a month ago right after closing on the house. We are spending so much on home improvement and furnishings for the house, it would have been easy to hit the limits. Plus, I have found we spend extra on top of our regular spending, it doesn’t incentive us to stop spending. It actually makes us care less. Our attitude goes something like this:

“Hey, we are already spending so much, what’s another $10?” And then, another $10 turns into another $10 and so on and so on. You get the gist.

This year we want to travel a lot, so it would be pretty cool if we could score some free miles to get us closer to our travels, wouldn’t it?

I read several articles from fellow bloggers including:

Holly when she wrote about credit card churning not too long ago. She’s currently churning the American Express Business Gold Rewards Card, Chase Hyatt Credit Card, Citi Aadvantage World Mastercard, Chase Southwest Rapid Rewards Plus Card.

I, also, check out Noob Traveler. If you haven’t checked out his website, you must. It’s all about traveling for pennies by credit card churning. He, recently, checked US Airwars, & 65K Virgin Atlantic.

I was really undecided between a Southwest Airlines card and a Citi Aadvantage card, but I decided we will need the points if we choose to go to Peru this year. Plus, I already have some points on my AA Rewards from my trip to Mexico. Hopefully my job sends me a couple of places and I will make sure to fly AA to get some even more points.

***Link is not sponsored.

Screen Shot 2014-01-26 at 9.06.23 PM

Here’s the offer if you are interested: Citi Aadvantage World Mastercard.

  • Earn 50,000 American Airlines Aadvantage bonus miles after spending $3,000 in purchases within the first 3 months of card membership.
  • Get the first eligible bag checked free for you and up to 4 travel companions
  • Enjoy Group 1 boarding and use the extra time to prepare your flight
  • Earn a $100 American Airlines Flight Discount each year card membership in which you spend $30,000 or more in purchases and renew your card membership.
  • Earn AAdvantage miles for using Aadvantage miles. Earn 10% of your redeemed Aadvantage miles back – up to 10,000 aadvantage miles each calendar year.
  • Earn 2 AAdvantage miles for $1 you spend on eligible American Airlines purchases and 1 Aadvantage mile for every $1 spent on other purchases
  • Receive a 25% savings on in flight food and beverage purchases when you use your Citi/Aadvantage card.
  • Fly using fewer Aadvantage miles with Reduced mileage awards.

I’m not sure yet if I have been approved yet, but I will find out in a week. Let’s hope I get approved.