Posts by velvetcrane20

It feels like things have just finally clicked into place for me over the last few weeks. Does anyone else get these random stretches where everything just seems to go right for no apparent reason?

Walter Ramirez3 said:I’ve got a question that I’m struggling to wrap my head around.
Basically, I’ve been using a student banking package (including an American Express, checking, and savings accounts) and I’ve always stayed on top of my bills for years now.
But here's the thing. I just landed a permanent job and I've already had two paychecks hit my checking account.

So, what’s the move? Should I just wait until my American Express expires and then apply for a standard card, or should I make the switch right now? My monthly fees would be lower this way, and the overdraft limit would be smaller too.

What do you think? 🤔

I guess you should just decide based on what you actually need right now. Personally, I’ve stuck with my student package for three years even though I’m working full-time, and my American Express doesn't expire until 2016. I don't really feel the need for a huge overdraft limit, and $667 the credit limit on my card is plenty for me. Last year they actually lowered my overdraft limit to $333, which isn't even a bad thing! Plus, if I stick it out, I reckon I’ll save about 5x $83 in annual fees by the end of it, so for me, the choice is pretty easy.😁