I did just a few days ago. I don’t know if it was the time change, but I could not get my act together lately. On Sunday, it all came crashing down. My husband, my kids, my blog: they were all driving me crazy. Yes, I consider this site a living, breathing creature. Something along these lines:
You know it had to be a cat! Anyway, I’m a passionate person by nature (aka super feisty, like a feline) so it was hard for me to control my emotions. I tried to think happy thoughts. I even looked up the meme that made me laugh hysterically a few weeks ago. It said “You’l be fine. You come from a strong line of lunatics.” But nothing was working.
So, I did what any junkie would do. I started to look for my fix. And that fix happened to be Barclaycard Arrival Plus credit card. To be fair, I was going to apply in a week or so anyway. Of course, approval wasn’t a guarantee. This application was in my husband’s name, and he got rejected a few times by Barclays in the past. Still, I had to at least try. He did get approved for Wyndham co-branded offer several months prior, and I made sure to charge something on it regularly. Reportedly, it helps. And looks like it did in our case:
No, thank you, Barclays! I instantly felt a rush of endorphins flowing through my body. And all was well again. So, why did I pick this offer, you may ask. Well, my plan is to focus on cash or travel rebates via sign-up bonuses, at least for the next 6 months or so. I have enough miles and points for a few years’ worth of trips, and want to burn them first before acquiring any more “funny” money. I wrote about it here
Basically, we are infrequent travelers compared to most hobbyists, and I don’t feel the need to hoard millions of miles for an upcoming apocalypse. Arrival Plus gives $400 rebate towards travel-related purchases after spending $3,000 in 3 months. Since we are going on a cruise next May, any tips,excursions and alcohol (not that I plan to buy any) will be coded as travel. Hopefully, $400 will cover it, unless I come across an out-of-this-world margarita.
As soon as we meet minimum spending requirements for this offer, I plan to get Arrival in my name. We actually both had this card in the past, but reports indicate that sign-up bonus is churnable. That means you can get it again as long as you are approved.
At some point, I will probably try to get Capital One Venture Rewards card in my husband’s name. It’s a hopeless case for me to even try to get approved. This card isn’t a no-brainer since it comes with 3 credit pulls. Still, $400 is nothing to sneeze at. Next July, I plan to redeem miles for 4 roundtrip tickets to Europe, and will need to cover around $520 in award taxes. That’s where Arrival or Venture card will hopefully come in (I’m not picky). You can read about both bonuses in this page.
Should you apply for a credit card to get out of the dumps?
Absolutely, but only if it pays me commission. No, of course not! I’ve argued many times that emotion has no place in this hobby. Like I said, I was going to get it anyway and couldn’t find a compelling reason to delay my fix. Please, don’t buy into sales pitches telling you how this or that offer is ending…forever!!! Occasionally, it’s true. Most of the time it’s not.
Do your research and pick cards that work for your unique situation. I have a Free Consulting Service and will be happy to help.
P.S. Check out this article about two garbage men who wrote a book on mental health. Here is just one of the gems:
“Create your route to success – Just like a garbage man has to follow his route, people should stay on their path to reach their goals. Identify garbage thoughts that don’t line up with your route. Toss any thoughts that belong in the trash and continue on your journey.”
Amen, garbage men! It rhymes.
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Image courtesy of Pansa at FreeDigitalPhotos.net