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Joined 2 years ago
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Cake day: June 8th, 2023

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  • You most likely have a number of credit inquiries on your account now. The bad news is that it hurts your credit score. The good news is that they go away over the course of a few years to five years. I’d do a lot of research before getting another card. Get a basic one. I use mine for modest purchases like groceries. Credit cards also benefit from purchase protection, and serious tradeoffs like Rewards, which come from transaction fees (which in turn tend to raise prices on all goods that accept credit cards. There’s no such thing as a free lunch).

    You shouldn’t be maxing your credit anyways, so 5k should be fine. Pay it off every month, the interest rate is insanely high if you fall behind. It’s better to get a loan from a bank for massive purchases.

    Ps- I wouldn’t get a card that has annual charges, unless you are doing like, a shitload of foreign transactions whose transaction fees exceed the cost of the annual CC fee. Usually this doesn’t pencil out unless you are Canadian and there’s an American Costco a 25 minute drive from your place near the border.


  • Progressive here too. We’re staying on the blue coast.

    Take a trip to Italy, as long as you can, and do a ton of research before you commit. That is a very large commitment, and you should have the language down pat, enough savings for a year, and a job lined up, or very strong prospects. If you are missing any of these things, I wouldn’t recommend going.

    For me personally, I wouldn’t move unless there was significant danger. The grass is always greener. There will always be benefits and tradeoffs. I couldn’t see my family moving to Italy, even if we were straight. Their slide is not too far off from our own.