How much does your Significant other help you out in this hobby?
Oct 20, 2015, 8:22 am
#31
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
A 750 is not bad, but I know a 20 year old kiddo (ADK, Jr.) with no job who occasionally makes a late credit card payment. He currently has a Transunion 802 and an Equifax 804. 
Oct 20, 2015, 9:08 am
#32
FlyerTalk Evangelist
Join Date: Sep 2002
Location: Chicagoland, IL, USA
Programs: WN CP, Hilton Diamond
Posts: 14,189
Oct 20, 2015, 12:36 pm
#33
Join Date: Jul 2014
Posts: 92
My husband allows me to use his credit for whatever I want. He is thrilled that I have taken him from not so great credit to a 750. If I need to call about one of his credit cards, he will get on the phone and tell them talk to my wife. That is about the extent of it, he won't buy gift cards, load BB, and after awhile, he gets really tired of listening to me talk about my newest miles or points scheme. He has told me that I better keep really good records because he doesn't even know what CC's he holds at any given time. He said if anything ever happens to me, he will have no idea what to do. He said that I need to write a note that he can hand over to an accountant or a lawyer along with my laptop and my notebook saying that the man handing you this has no understanding of the information contained in them. Please explain it to him as if you were speaking to a 5 year old and help him take the necessary steps to close the credit cards. It would be funnier if it wasn't so true 
I've handed him a card to use with a bonus category purchase and he responds, hmm, sweet, when did I get THIS card? Can I go on a shopping spree? ... Um, no, honey, it's part of the arsenal, just use it and hand it in when you get back! ... Gotta love 'em!
Oct 20, 2015, 1:09 pm
#34
Join Date: May 2015
Posts: 1,066
Haha. Unfortunately, we've opened a few card earlier this year, and she said didn't want to open any more up until next year. I did send her a chart with my FICO score per Discover (Transunion I believe) which is currently sitting at 828. I even showed how the card I opened up caused a slight drop in score, but then rebounded within a couple months. Am going to have to wait a bit on this as I'm already in the dog house for something else.
Oct 20, 2015, 1:15 pm
#35
Join Date: May 2015
Posts: 1,066
Ughh, she actually had to do this a couple of times. One was because I got sloppy and entered her SSN incorrectly on the application. The other was Chase Ink... I still have her complaining months later about that one since she had to give "details about her business."
Oct 20, 2015, 2:17 pm
#37
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,664
My wife has embraced it all to the nth degree. She took on MS as a job and does the bulk of purchasing and all the liquidation and loads. Been doing it full time for nearly 2 years and another 2 part time.
Oct 25, 2015, 6:04 pm
#38
Join Date: May 2015
Posts: 1,066
My wife learns she gets a new card when I tell her she got mail. I always ask what she's gone and done to get mail. I then say I won't get her any new ones for a while. We are both around 800. I'm trying to let my cr inquiries decrease.
On creditkarma, I've seen my score drop 100 points and bounce right back up the next week. I don't think CK uses the exact same methodology as the monthly scores.
On creditkarma, I've seen my score drop 100 points and bounce right back up the next week. I don't think CK uses the exact same methodology as the monthly scores.
Will likely just take advantage of the $20 rebates at Staples using my Ink card from time to time (just happens to be this week). Nothing else worthwhile to MS with currently for me while I'm in my "lockout period".
Oct 26, 2015, 10:43 am
#40
Join Date: Sep 2014
Posts: 58
Guess I'm the lucky one. When Redbird was still alive, she would load $2,000 a day for me at Target. But then again, she goes and spend $50 each time on clothes there. She works near a Family Dollar and is willing to load $500 per day. As long as I give her detailed instructions she is willing to go out and MS.
Oct 26, 2015, 11:18 am
#41
Join Date: Nov 2014
Posts: 158
Wife is more of a hindrance than a help. She loves taking all these free vacations but occasionally she flips out over the # of credit cards we sign up for thinking its going to tank our credit ratings. The nice thing is that so many cards offer a free credit score nowadays, so I just email her our scores to show her that we're actually higher than we were before we started this hobby (we were both in the mid-700s when we started 24 months ago, and we're now in the high 700s/low 800s), and that usually settles her down for a few months.
Oct 27, 2015, 8:57 am
#42
Join Date: Aug 2015
Location: NYC
Posts: 6
Wife speaking for the h/w duo: I was verrrry reluctant at first when it was all explained but since I always expressed my desire to travel I kept an open mind. When the time came to do the first round of apps I was all in. I found a sign up bonus for him that I didn't qualify for (which he had no problem bragging about) and ended up having a higher total spend requirement (another bragging point) but I took it all in stride. I love the challenge of it so I'm a little less risk averse than he is and I keep track of everything we buy and liquidate; we're pretty equal in all other respects. I was actually a little surprised to read that some spouses/s.o's don't help or even hinder.
Oct 27, 2015, 8:41 pm
#44
Join Date: Apr 2010
Location: Denver, CO
Programs: UA MP Club (no status)
Posts: 152
I'm sorry, I died laughing at this. My husband uses his no points debit card despite my best efforts, but he only uses it to buy me chocolate. (I do the household accounts; his checking account is the only thing I don't manage, and he wants to keep chocolates a surprise.)
Oct 28, 2015, 6:41 am
#45
Join Date: Jan 2013
Location: PVD/BOS
Posts: 879
How much does your Significant other help you out in this hobby?
My husband goes kicking screaming and complaining into cvs only when I'm with him. He doesn't give me much grief over the cards I app for him, but will not call retention of needed (I can convince him to call and hand the phone to me occasionally).
He does however, insist on first/business flights and of course doesn't complain about the extra cash!
He does however, insist on first/business flights and of course doesn't complain about the extra cash!