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Messages - David R

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Credit Cards / Re: Misc Credit Card Questions
« on: March 14, 2019, 12:18:42 AM »
How/where can we file a complaint against Macys? is the small claims court our only option?
If there's an arbitration agreement, small claims court might not even be an option.
I see that for new applications, there is an arbitration agreement that you could opt out of within the first 45 days of opening the account.

Credit Cards / Re: Misc Credit Card Questions
« on: March 04, 2019, 07:57:11 PM »
I know there are credit cards that don't charge a foreign transaction fee. But how do I know which ones give the best currency exchange rate? Meaning, do those that waive the foreign transaction fee just make it up by giving a worse exchange rate? Are certain providers better than others when it comes to exchange rate?
There's a Visa exchange rate that should be the same across all Visa cards.

And for MasterCard:

On Citi cards, I have seen that the exchange rate in effect when it posts is the one that they use. So you may see an authorization when you make a purchase in the amount of the transaction based on the exchange rate in effect at that moment, but the final posted charge could be more or less, subject to subsequent fluctuations.

Now you can use the links I posted to compare some sample dates and see if one is consistently better than the other.

ETA: I understand that your question only involves transactions that are charged in a foreign currency. I just want to point out that some US credit cards have a different foreign exchange fee for transactions charged in a foreign currency than for transactions charged in US dollars.

Credit Cards / Re: Chase Freedom Master Thread
« on: March 03, 2019, 08:33:53 PM »

clear from dan that there is a way to ms this, just dont know how. I have  a bunch of  cards and could really do well if i knew the secret
Why do you say that? I could not even find an allusion.


Get a one-time $15 statement credit by using your enrolled Card to spend a minimum of $75+ in one or more transactions online at by 3/18/2019. See terms for exclusions.

Offer Terms
Enrollment limited. Must first add offer to Card and then use same Card to redeem. Only U.S.-issued American Express Cards are eligible. Limit 1 enrolled Card per Card Member across all American Express offer channels. Your enrollment of an eligible American Express Card for this offer extends only to that Card. Offer valid on US website only at,,, or and via Wayfair mobile app. Not valid on purchases shipped outside of the US. Offer is non-transferable. Limit of 1 statement credit per Card Member. The enrolled account must be active, in good standing and not in default to receive the statement credit. Statement credit will appear on your billing statement within 90 days after 3/18/2019, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID: GD0C:0001

Credit Cards / Re: Discover IT card
« on: February 22, 2019, 05:52:19 AM »
When I called to switch, I found out the answer is no doubling of points unless I apply for a new card. I also found out that I will only have 14 days in the end of March to get 5% at grocery because product change does not occur until statement date.

For H&R Block, is it software you can install or a web based process?

General Discussion / Re: Optimum internet
« on: February 19, 2019, 03:13:51 AM »
They have a plan for $24.99 for 10mbps. They may not offer it initially but if you keep on asking for it they will let you have it. I believe there is also a plan for 25mbps for about $39.99. They try to sell you the higher ones, but if you are insistent about getting the lower speed, they will eventually cave in.
Yup, I had the $24.95 plan for a couple of years until I cancelled last month (just in time to avoid that extra little fee). Upload speed is much slower, about 1Mbps.

Tech Talk / Re: OBi Master Thread
« on: February 10, 2019, 02:26:43 AM »
What is the easiest method nowadays to port a landline to GV?
I bought an AT&T Prepaid SIM card for 99 plus tax, free shipping, and ported to that. It took a few minutes and a phone call to a person because the automated activation did not go smoothly.

After my number was ported to AT&T Prepaid, I started the process of porting to Google Voice. This port took exactly 24 hours for them to complete, and cost me $20.

You need to have a suitable GSM phone to complete the activation/port to AT&T. I think you may also need it to receive a verification text or call when porting out from AT&T to Google Voice.

Thought this deal was expired but still showing discount. up to 10 cards.
$100 MC GC for $100 (no $6.95 fee)
***While supplies last. May not be valid in combination with other offers. Offer subject to change. Offer Expires on 02/02/2019
(Will this also trigger Amex 10% offer?)
Last week's deal did expire. This is a new deal. I assume that means any limits are reset.
Last week I got 10% back from Amex. Should still be eligible.

Credit Cards / Re: Discover IT card
« on: January 30, 2019, 10:50:27 PM »
Discover matches cashback at the end of the first year  technically thats 10% on the rotating cashback
Your post is right after mine, so perhaps you were addressing me. Do you think that during the year following my switch from IT Miles to the card with quarterly categories they will match the cashback?

Goods For Sale/Trade / Re: Kaspersky License
« on: January 30, 2019, 09:58:49 PM »
Newegg used to have these on sale through rebates all the time.
Yup, I bought dozens of them.
Looking to buy Kaspersky license. Please PM.
See above.

Goods For Sale/Trade / Re: Kaspersky License
« on: January 30, 2019, 04:06:34 AM »
Which version? Antivirus, Internet Security, Total Security, Pure?
For how many devices?
What kind of devices? Windows, Android, Mac?

Credit Cards / Re: Discover IT card
« on: January 30, 2019, 03:38:48 AM »
Couldn't find the Discover It Miles thread, but was just informed that they will be discontinuing the $30 In-Flight WiFi credit on any flights starting after 3/31/19
I was just on the phone with them a couple of days ago asking if my card still has this benefit. They didn't mention anything about it expiring. I guess I'll be switching over to the card with the quarterly categories.

Tech Talk / Re: Computer Troubleshooting/Help Master Thread
« on: January 30, 2019, 02:52:41 AM »
My computer is acting like a key is stuck pressed down. Not sure which key, but if I open the start menu, or a google spreadsheet, or some other apps (but not all), it scrolls either to the right or down until you can't scroll anymore. Restarting didn't help. Is there any way to figure out which key this is, so I can see if I need to clean my keyboard or something?
I'm assuming your computer is a laptop. If it were a desktop, you could easily unplug the keyboard and observe if the behavior stops.
The on-screen keyboard might show you which key is stuck. The command is osk.

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