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  1. #41
    ME => GA 19AT3 rickb's Avatar
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    Quote Originally Posted by Just Bill View Post

    Never be afraid of credit, that's the way the game is played. If you really want to stick it to the man; sign up for every deal like this you see.

    This is may not be the best advise for everyone. Multiple credit checks -- the kind of checks that are done each time you apply for a card or loan -- can have a negative impact on your credit score.

    Everyone's situation is different.

  2. #42
    Registered User KYLarry's Avatar
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    Default

    I would love to help you out and sign up, but I already have an REI card. Use it exclusively for gear purchases, pay it off every month, and enjoy the refund every March.

    Good luck on your fund raising and I hope you have a great hike!


    (BTW, US Bank has done good by me in the few years I have had the card. I had a couple of purchases that weren't mine and they credited the amounts back right away and I had a new card within a week.)

    Sent from my KFJWI using Tapatalk 2

  3. #43

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    Quote Originally Posted by Gervais View Post
    In this instance she's not 'working' to fund her hike. She's willing to sell others the temptation of financial servitude to US bank to get what she wants. Sounds like networking for the 1%'ers to me.
    Someone needs to lighten up here. It's only "servitude" if you spend beyond your budget and/or don't pay your bills. If you think you'll abuse the credit card, then don't get it. If one were considering applying for an REI Visa, using Alpine Bomber's referral number costs neither you nor REI anything - it comes from US Bank (and their customers who carry balances).

    Besides if you really wanted to put it to US Bank, get the card, get the $100 gift card, and pay your bills in full each month. Sure, they'll get transaction fees from the merchants when you use the card, but the big money is made in monthly interest charges - and its easy to avoid those.

  4. #44

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    Well, that's one way to get some of that bail out money back....I'm down!

  5. #45
    Registered User lonehiker's Avatar
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    Maybe this should be linked to the good reads thread that is going. But, maybe those worried about the use of credit should read Dave Ramsey. He is an advocate of debt-free living. Credit (credit cards) is a tool. It can be used wisely or poorly.

    On another level, this thread has been quite entertaining. Really, "financial servitude"? 1%ers? I love the hysteria.
    Lonehiker

  6. #46
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    I use credit cards for almost every single purchase and get paid to do so due to Discover Card's 1% rebate. I have had credit cards for over 20 years and have never paid a dime in interest. But people need someone or something to blame for their own lack of self control in money matters, obesity, smoking, etc.. the list goes on.
    HST/JMT August 2016
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  7. #47
    Digger takethisbread's Avatar
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    Quote Originally Posted by RN-PCT2015 View Post
    I use credit cards for almost every single purchase and get paid to do so due to Discover Card's 1% rebate. I have had credit cards for over 20 years and have never paid a dime in interest. But people need someone or something to blame for their own lack of self control in money matters, obesity, smoking, etc.. the list goes on.
    bingo. pay them off immediately. in return recieve 1 to 5 % in benefits. no brainer. most folks seem to not have the game figured out. it's a great deal.



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    AT 2x, LT, JMT, CT, Camino, Ireland Coast to Coast, HWT, WT, NET, NST, PCT

  8. #48
    Registered User Hot Flash's Avatar
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    Quote Originally Posted by Alpine Bomber View Post
    You can be negative all you want . I'm not asking for people's money, I'm just trying to figure out a way to do what I love. There are worse things.
    Not asking for money? Did you or did you not state:

    "...for everyone who signs up for a visa with them, I get a sizable bonus..."


    Give a man a fish and he will eat for a day; teach a man to fish and he will eat for a lifetime; give a man religion and he will die praying for a fish.

  9. #49
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    Quote Originally Posted by Hot Flash View Post
    Not asking for money? Did you or did you not state:

    "...for everyone who signs up for a visa with them, I get a sizable bonus..."


    I suspect she meant "Not asking for money from you guys".

  10. #50

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    When I first saw this thread, I had a very negative reaction being completely anti-credit card/debt. It appeared to me that you were actually being audacious enough to ask people to open credit card accounts for your benefit. "NO COMMENT" was the order of my day.

    But I've followed, and considered, and I choose to believe that what's going on here is that you are simply notifying members that the offer exists, and if they were interested in it, AND GOING TO TAKE ADVANTAGE OF IT ANYWAY, could they please use your code so that one of their fellow WB members might also benefit.

    I don't know for a FACT that this was your thinking, but in my rose-colored world it is what I will furthermore choose to believe.

    Good Luck then.
    ...the maddest of all is to see life as it is, and not as it should be. Cervantes

  11. #51

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    Quote Originally Posted by Teacher & Snacktime View Post
    When I first saw this thread, I had a very negative reaction being completely anti-credit card/debt. It appeared to me that you were actually being audacious enough to ask people to open credit card accounts for your benefit. "NO COMMENT" was the order of my day.

    But I've followed, and considered, and I choose to believe that what's going on here is that you are simply notifying members that the offer exists, and if they were interested in it, AND GOING TO TAKE ADVANTAGE OF IT ANYWAY, could they please use your code so that one of their fellow WB members might also benefit.

    I don't know for a FACT that this was your thinking, but in my rose-colored world it is what I will furthermore choose to believe.

    Good Luck then.
    +1
    345678910 just to get 10 chars or more

  12. #52
    PCT, Sheltowee, Pinhoti, LT , BMT, AT, SHT, CDT 560 miles 10-K's Avatar
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    I charge everything possible for cash back.... All of our insurance, medical, groceries, utilities, etc. If you can charge it, I charge it. Makes record keeping simple too.

    Amex Blue Cash Preferred - 6% cash back on groceries
    PenFed Cash Rewards Visa - 5% cash back on gas
    Fidelity Amex - 2% cash back on everything
    Capital One Quicksilver - 1.5% cash back on everything (use if Amex isn't accepted.)

    In 2013 I got back $1867 in cash rewards.... That's about $156 a month.

    I would not get a credit card that was limited to 1 store or didn't give cash rewards.

    Credit is a great tool if you're disciplined and can pay off the balance each month.

  13. #53

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    Quote Originally Posted by Teacher & Snacktime View Post
    When I first saw this thread, I had a very negative reaction being completely anti-credit card/debt. It appeared to me that you were actually being audacious enough to ask people to open credit card accounts for your benefit. "NO COMMENT" was the order of my day.

    But I've followed, and considered, and I choose to believe that what's going on here is that you are simply notifying members that the offer exists, and if they were interested in it, AND GOING TO TAKE ADVANTAGE OF IT ANYWAY, could they please use your code so that one of their fellow WB members might also benefit.

    I don't know for a FACT that this was your thinking, but in my rose-colored world it is what I will furthermore choose to believe.

    Good Luck then.
    That's the way I'm choosing to look at it as well, particularly because nothing jumped out at me and said...i'm entitled.

  14. #54
    Registered User Alpine Bomber's Avatar
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    Hello again everyone, although I'm attempting to not respond to every post that that isn't positive to avoid a good old internet battle :P, I would like to clarify a few things. I have been a wb member for years, and value and love this community. I spent a good amount of time considering whether or not it was ethical for me to post this. In the end I decided to because I legitimately think this is tool that could help a lot people save money while financing their hikes. Notice I posted in a forum for thru-hikes still in planning mode, not on the main forums where it would get the most traffic. Over the course of the last 3 years, since my first thru attempt I've spent over 2000 dollars on gear. Granted, I didn't get the cheapest gear on the market, but most people don't. 5% back out of 2000 dollars adds up quickly, and so i genuinely believe that this is helpful to people even beyond the 100 dollar gift card. Yes, I am absolutely benefiting, but I can tell you I'm not getting close to 100 dollar gift card for each of these. company policy dictates I can't post how much I get, but it's not even half what the applicant gets. Therefore, I decided that White Blaze is an appropriate place for a post like this, and at the same time I fully understand why people disagree with that. I was on the fence about it myself. I apologize if you feel that it doesn't belong here.

    As far as how credit cards impact credit history, it is true that inquiries and more cards lower your score, but if that card is paid off responsibly it will raise your score, so over the course of a few months you're building credit, not hurting it. That said, getting a credit card is a big decision and many factors influence whether or not getting one is a good financial move for someone. Please don't get one if you doubt it will help you.

    Thank you for everyone's support. Oh, and I was long distance hiker long before I was an REI employee!

  15. #55

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    So, has anyone signed up for one of these cards yet or is it too early to tell? At least all this discussion has kept the subject alive for you. Otherwise, it would have just disappered into the general noise as soon as it was posted.

    Anyway, the way this site works with the daily post listing, it really doesn't matter what forum you initally post in, although some forums have stricter rules about the kind of responses which can be given. Humm, maybe there should be a financial forum for these kinds of things, seeing that it is a popular subject...
    The AT - It has it's ups and downs...

  16. #56
    Hopeful Hiker QHShowoman's Avatar
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    Default Please support my hike and get a $100.00 gift card!

    $25. When I worked at REI, that's how much employees got for REI Visa sign ups. So it's not much, but it helps. (This was several years ago, but I doubt it's much more than that now.) It's a good deal, in my opinion, as long as you manage your credit card debt wisely.
    Last edited by QHShowoman; 02-22-2014 at 00:18.
    you left to walk the appalachian trail
    you can feel your heart as smooth as a snail
    the mountains your darlings
    but better to love than have something to scale


    -Girlyman, "Hold It All At Bay"

  17. #57

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    Quote Originally Posted by Gervais View Post
    In this instance she's not 'working' to fund her hike. She's willing to sell others the temptation of financial servitude to US bank to get what she wants. Sounds like networking for the 1%'ers to me.
    I wanted to use 1 word but the software needed more. That word was............Wow.

  18. #58

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    Quote Originally Posted by Alpine Bomber View Post
    Hey everyone, want a $100 REI gift card? I know backpacking is an expensive lifestyle. I'm working on figuring out how to fund my hike this summer. Luckily, I work for REI, and for everyone who signs up for a visa with them, I get a sizable bonus, and you get $100.00 gift card to buy new gear, plus 5% dividend/cash back on in store purchases, 1% everywhere else, for no sign up fee, and no annual fee. It's perfect for gear loves, and you'd really be helping me out. All you have to do is apply and put in my employee referral code. I'd really appreciate the help.

    APPLY HERE:
    https://applications.usbank.com/oad/...urceCode=50077

    EMPLOYEE REFERRAL CODE: 131650

    Thanks and happy trails,
    -Alpine Bomber
    Possibly too late, but was signing up for the REI visa last night, and found your code and entered it. I figure that it doesn't cost me anything, I wanted the card anyway, and when I typed 'REI referral code forum' into google, I ended up here. Hope you get $20

  19. #59

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    Why not just start a thread and beg for money. Most of us work hard and save money as we can to fund our trips. This seems like someone looking for a hand-out. Even hobos work for any funds or food they receive.

  20. #60

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    what about those fund raising sites such as fundme.com or gofundme.com

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