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Personal Finances / Credit Cards and Consumer Debt


Subject:  Re: Discover cash back bonus offer Date:  1/17/2015  9:01 PM
Author:  jjaym Number:  308917 of 312970

It sounds like the bonuses are targeted/customized based on past spending habits, so they get you to attempt to stretch your spending beyond what you normally would. The extra required for us works out to something around $300-500/month on average, so yeah, kind of substantial. We were originally thinking of buying the range this month, but we can easily wait the 2 weeks until February and then maybe shift some of the February spending into March, etc...

We pretty much already put all of the regular stuff on the discover card, groceries included. Utilities are already setup for auto-pay, so don't intend to change that, and insurance is paid up for the year. I think the first few months, with spending that is already planned, we can shuffle things around to get the charges into the month where the extra spending is needed, but we may need to get a bit creative the last couple of months to spend the required amount. Making the credit card payments in full will not be a problem, it's just finding wise things to spend it on. No biggie if we don't succeed, and I probably won't spend a whole lot of effort on it, but the extra $400 is a nice incentive if we can make it work in an intelligent way.
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