November 12 - Back in the land of credit cards (2024)

Saturday, November 12, 2011

We boarded the flight to Paris just fine, although interestingly there mwas much more security outside (on the tarmac) than there was inside. They rummaged through our bags and checked our IDs multiple times. On the plane, both of us got to sleep very quickly, probably before the plane even took off. When we woke up, we were already out of Africa. While it was light outside, we couldn't really open our window shades because many people were still sleeping and/or watching mvoies, and the light would have screwed that all up. We peaked every now and then to see what we were missing. Around Turin (Torino), Italy, we saw the snow-capped Alps, which looked really nice. We don't see that every day. Justin wasn't feeling well, and asked if we had any pain medication in our bags, but the medicine was in one of the checked bags. Crystal suggested that we buy some at the airport, to which Justin initially worried about having enough money, only to realize that we were now back in the world of credit cards.

We landed around 11am Central European Time in Paris, and thankfully did not need to go through immigration. We did have to go through security again, which wasn't that much of a surprise, but it was surprising how (uselessly) thorough we were. While we took out our laptop, and went through the scanner without issue, the person scanning our bags asked Crystal to take out her kindle, then asked her to take out the camera, then asked Justin to take his camera stuff out (mind you the entire bag was camera stuff, that was its point). So we basically took all of the singular items out of bags just so they could x-ray them again, even though they knew all along exactly what they were - a Kindle and several cameras. Such a waste of time, but at least we felt safer, errr, whatever.

Justin sat around in the departure area charging electronics while Crystal walked around the duty free shops, picking up some chocolates and macaroons. For awhile, it didn't seem like the flight would be that busy, but then shortly before boarding quite a few folks showed up. Boarding was fine, and the flight back was fine as well. When we got over California, we were coming in from the north, around Lake Tahoe. It was evident that there had been quite a bit of snow in the mountains, looking down from the air. As we got close to LAX, the weather turned gray and cloudy, not very welcoming. Interestingly, we came in from the west (over the ocean) than the usual landing pattern from the east. Back on terra firma, we were thankful that we were at Terminal 2 and not the Tom Bradley Terminal, since the lines were infinitely shorter for immigration, and also the baggage claim area was not so much of a zoo.

We took a cab back to Mike's place, and he was able to meet us at a nearby restaurant for some nachos and drinks. We chatted about our trip, and what had gone on. Interestingly, a lot of what we mentioned was negative, such as some of the travel problems, money problems, burned down forest, etc. It struck us as odd that this was our first reaction, since overall we had a really good time and saw all sorts of neat stuff, including the following:

General Sites

The Seine River

The Eiffel Tower

Arc de Triomphe

Paris at night

Manambolo River

Caves of the Tsingy de Bemaraha

Roof of the Tsingy de Bemaraha

Sunset on the beach

Lots of terraced rice fields

Zebu

Icy Roads

Three Sisters in Anja Reserve

Black Pool in Isalo

Isalo lookout

Isalo massif

Incredible Sunsets

Piscine naturelle in Isalo

Spiny forest

Granite coastline

Sunset in Sainte Luce

Private beach

Plants and Trees

Baobab Alley

Pachypodiums

Local Kids climbing Baobabs

Even more Baobabs

Raphia palms

Currently unnamed Dypsis species

Hundreds of Jacaranda trees

Dozens of Royal Poincianas

Dypsis onilahensis

Banyan Tree

Majesty Palms

Fields with Bismarckias

Wildlife

Virreaux's Sifaka

Avahi Lemur

Fossa

Red-fronted brown lemur

Dickenii Sifaka

Coquerel's Sifaka

Male Parson's chameleon

Female Parson's chameleon

Panther chameleon

Diademed sifaka

Gray Bamboo Lemur

Black and White Ruffed Lemur

Indri indri

Sportive Lemur

Giraffe beetle

Golden bamboo lemur

Giant moths

Milne-Edwards' Sifaka

Ring-tailed lemur babies

Mouse lemur

Red-bellied lemur

Walking stick insects

Flying foxes

"Dancing" sifakas

Ring-tailed lemurs

Perhaps it was the two 12 hour flights back to back that had us in a sour mood. It could also be that on most of our other trips, there really wasn't anything that went wrong, so this stood out in that there was at least something, even if not much. Again, it may have just been the 24 hours of flying. But looking back on things, we had a great time. The drive back to Vista was fine, and it was nice to be on a nice, straight, level road for once. When we got home, the dogs were ecstatic to see us, and we were ecstatic to see them. And then, as usual, we got back into our normal routine, which we keep for 49 weeks out of the year every year.

November 12 - Back in the land of credit cards (2024)

FAQs

What is the controversy with Synchrony Bank? ›

In 2023, the bank was ordered to pay a settlement of $2.6 million; the lawsuit claimed that Synchrony called people about bank accounts they did not own.

How do you beat the credit card game? ›

Don't carry a balance.

One of the best ways to win the credit card game: Pay balances in full every month. "Credit cards are the most expensive kind of loan," says Ali Besharat, assistant professor of marketing at the University of Denver. The average card APR hovers just above 16 percent.

What is the 15-3 rule? ›

The 15/3 rule, a trending credit card repayment method, suggests paying your credit card bill in two payments—both 15 days and 3 days before your payment due date. Proponents say it helps raise credit scores more quickly, but there's no real proof. Building credit takes time and effort.

Will my credit score go up if I pay off my credit card in full? ›

Paying off credit card debt is smart, whether you zero out your balance every month or are finally done paying down debt after months or years. And as you might expect, it will affect your credit score. Whether you are chipping away at a balance or eliminating it with one big payment, your score will likely go up.

Is Synchrony Bank in danger? ›

Fitch Affirms Synchrony Financial at 'BBB-'; Outlook Positive. Fitch Ratings - New York - 05 Apr 2024: Fitch Ratings has affirmed all of Synchrony Financial's (SYF) and subsidiaries' ratings including its Long-Term Issuer Default Ratings (IDRs) at 'BBB-'. The Rating Outlook is Positive.

Why did Walmart stop using Synchrony Bank? ›

According to reports about the break, Walmart complained that Synchrony Financial's transaction fees were too high and that it didn't approve enough card applications. On the other side, Synchrony Financial reportedly felt Walmart didn't put enough marketing energy behind its card offerings.

What is the number 1 rule of using credit cards? ›

Pay your balance every month

Paying the balance in full has great benefits. If you wait to pay the balance or only make the minimum payment it accrues interest. If you let this continue it can potentially get out of hand and lead to debt. Missing a payment can not only accrue interest but hurt your credit score.

What is the credit card pay trick? ›

5 Steps To Follow for the 15/3 Hack

But in general, here's how you'd approach it: Find your due date or statement date on your credit card statement or your online account. Subtract 15 days from this date. Make a payment on that date—either the minimum amount due or more. Subtract three days from your due date.

How to outsmart your credit card? ›

  1. Pay on time. Paying your credit card account on time helps you avoid late fees as well as penalty interest rates applied to your account, and helps you maintain a good credit record. ...
  2. Stay below your credit limit. ...
  3. Avoid unnecessary fees. ...
  4. Pay more than the minimum payment. ...
  5. Watch for changes in the terms of your account.

Does paying twice a month increase credit score? ›

Your credit utilization ratio is only one factor that makes up your credit score, and making multiple payments each month is unlikely to make a big difference. One scenario where it might have an impact is if you have a relatively low overall credit limit compared to the amount of purchases you make each month.

What is the trick for paying credit cards twice a month? ›

The 15/3 credit hack gets its name from the practice of making your monthly payment in two installments: the first half 15 days before your due date and the second half three days before your due date. This hack, popular on various social media platforms, claims to be a shortcut to good credit.

Should I pay off my credit card in full or leave a small balance? ›

Bottom line. If you have a credit card balance, it's typically best to pay it off in full if you can. Carrying a balance can lead to expensive interest charges and growing debt.

How can I raise my credit score 100 points overnight? ›

10 Ways to Boost Your Credit Score
  1. Review Your Credit Report. ...
  2. Pay Your Bills on Time. ...
  3. Ask for Late Payment Forgiveness. ...
  4. Keep Credit Card Balances Low. ...
  5. Keep Old Credit Cards Active. ...
  6. Become an Authorized User. ...
  7. Consider a Credit Builder Loan. ...
  8. Take Out a Secured Credit Card.

How to get 800 credit score? ›

Making on-time payments to creditors, keeping your credit utilization low, having a long credit history, maintaining a good mix of credit types, and occasionally applying for new credit lines are the factors that can get you into the 800 credit score club.

How to raise your credit score 200 points in 30 days? ›

How to Raise Your Credit Score by 200 Points
  1. Get More Credit Accounts.
  2. Pay Down High Credit Card Balances.
  3. Always Make On-Time Payments.
  4. Keep the Accounts that You Already Have.
  5. Dispute Incorrect Items on Your Credit Report.

Can you trust Synchrony Bank? ›

Synchrony Bank holds an A+ rating from the Better Business Bureau (BBB), although it's not a BBB-accredited business. Despite this high rating, it's important to note that the bank has received a considerable number of complaints through the BBB platform, with more than 7,000 posted within the past three years.

How financially stable is Synchrony Bank? ›

Fitch Ratings - New York - 21 Apr 2023: Fitch Ratings has affirmed all of the ratings for Synchrony Financial (SYF) and Synchrony Bank (SYB) including the Long-Term Issuer Default Ratings (IDRs) at 'BBB-'. The Rating Outlook has been revised to Positive from Stable.

What is the class action lawsuit against Synchrony Bank? ›

The Action alleges that Synchrony falsely represented that its consistent and disciplined underwriting practices had led to a higher quality loan portfolio than those of its competitors, but that, in truth, Synchrony relaxed its underwriting standards and increasingly offered private-label credit cards to riskier ...

What are the disadvantages of Synchrony Bank? ›

Cons
  • Limited to six convenient transactions per statement cycle.
  • Synchrony may charge a fee for excessive transactions.
  • Requires Perks Rewards Diamond status for unlimited ATM fee reimbursem*nts.
Feb 7, 2024

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