u/DrMalgus

What do you guys use? I have some smudges on my wallet not sure the best way to get rid of them without damaging the leather

Is the show any less enjoyable if you have read the books? I guess this question would be for someone who watched season 1 or 2 spoiler free then decided to read the book in its entirely; has this changed your enjoyment at all? So far I have already been spoiled in terms of who ultimately "wins" and the cause of at least 1 major character death to come, so I am wondering if I should just read the book at this point. What do you guys think?

As the title says; Do you guys know of any good graphic t brands that are in the boxy fit style that arent super thick, heavy cotton?

As the title says

Do you guys keep a car knife, if so which one?

What’re y’all’s thoughts? You should be good at your job obviously, especially in medicine, the stakes are high, but I think PDs that tell you to spend every waking minute of your life devoted to medicine is toxic and absurd

Trying to optimize the credit card game while living on this 66k salary. Somehow I got approved for a gold amex last year that so far has been great for my horrendous food spending habits/doordash life. Now I'm trying to get a catch all card as my second. What do you guys use?

I already got rejected for the citi double cash due to "outstanding lines of credit". I'm guessing this means my student loans since I have no balance of my amex

- Chase freedom unlimited

- Chase Prime Visa

- Chase freedom flex

- Wells fargo active cash

- Citi double cash (rejected April 10th)

- Citi custom cash

- Capital One Venture (pre-rejected)

Some of you probably already saw my similar post from yesterday but wanted to have a dedicated post for the topic; sorry if repeating;

For context, I'm a 31yo resident physician, income is ~66k with ~475k medical school loans hanging over my head, and currently holding only an amex gold. I'm an authorized user on my dads discover that has credit age of 8 years and my credit score as of right now is 755. Prior to being removed from my moms CSR with an extra ~50k debt my credit score was 650s and was rejected for citi double cash last month (citing "total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines".) Obviously my debt to income ratio as a resident is abysmal as well but in 2 years will make roughly 300k-400k. Not sure if the rejection was from the outstanding credit card debt or the debt to income ratio as a whole.

That being said, what can I apply for at this time for a catch all card? Should I reapply to citi double cash now that my credit score improved 100 points? Or try another card? The credit Karma app tells me have outstanding approval odds for CFU but I dont know how accurate that apps predictor is

The cards I've looked at so far:

- Chase freedom unlimited

- Chase Prime Visa

- Chase freedom flex

- Wells fargo active cash

- Citi double cash (rejected April 10th)

- Citi custom cash

- Capital One Venture (pre-rejected)

Was recently rejected for Citi double cash card 4/10/26 citing "total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines"

For context, at time of the application I was still an authorized user on parents CSR that quickly accumulated 50k of debt and was not paid. This decreased my credit score from 710 to 647. Was subsequently removed as authorized user and now the 50k additional debt is gone and my credit score increased to 758. I still have ~475k in student loans that are unchanged but I am making payments on monthly.

So, when is it appropriate to reapply for for the Citi double cash now that my credit score improved and I don't have any outstanding credit card debt?

Want to get my brother a premium EDC knife for his birthday and was thinking Cruwear para 3, kershaw bel air, maxamet para 3, or something else maybe I havent thought of, what do you guys think?