Search found 4855 matches

by madbrain
Thu Apr 26, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 19
Views: 1276

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

I will speak for the Bolt since I have been the secondary driver for over a year. - adaptive cruise control: absolutely love it. Will not buy another vehicle without it. Unfortunately, the Bolt does not have this yet. - lane keep assist and sway warning: beeps when I am leaving my lane unless I sign...
by madbrain
Tue Apr 24, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

Tesla didn't note that. They didn't put a link to the manual. Didn't even bother to put an asterisk. That's misleading at best. Agree. And even if they did, I don't think it would be reasonable to expect drivers to know every detail of the Autopilot implementation and recall them at every instant w...
by madbrain
Tue Apr 24, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2448

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

LarryAllen wrote:
Tue Apr 24, 2018 9:30 pm
Math seems fuzzy but whatever works for you.
The math is very sound. But since you live in the "State of Confusion", I am not sure how I could better explain it to you.
by madbrain
Tue Apr 24, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1497

Re: Charles Schwab international ATM (worth the hard credit pull)

I travel internationally a few times a year. The ATM fees are minimal ($10-15 over the course of the year) so I don't worry about it. I don't care to open/track a new account for such small potatoes. That said, I absolutely keep a CC with no foreign transaction fees. Obviously, you don't travel to ...
by madbrain
Tue Apr 24, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2448

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

sounds like a big hassle to break even. Sounds like somebody does not understand how much those signup bonuses are worth. The value of a $600 signup bonus for $3000 is fairly typical these days if you fly coach. If you are flying business or first, the bonus could be worth much more, potentially. 1...
by madbrain
Tue Apr 24, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranties for Kitchen Appliances?
Replies: 3
Views: 346

Re: Credit Card Extended Warranties for Kitchen Appliances?

I don't know if the credit card extension includes on-site service. I am guessing that it extends whatever protection is provided by the manufacturer. I have had a number of appliance failures but none within the 2-year warranty period. There are things that will just wear out over time. I have a h...
by madbrain
Tue Apr 24, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranties for Kitchen Appliances?
Replies: 3
Views: 346

Re: Credit Card Extended Warranties for Kitchen Appliances?

I would buy new appliances with a Citi credit card, not Amex. All of them will add 2 years of warranty, up to 7 years total. If you purchase a 3 year plan, this would extend to 5 years. But it may not make sense to buy the extended warranty plan. If you have very high end appliances with expensive p...
by madbrain
Tue Apr 24, 2018 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2448

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Even as that website says that you can overpay your federal taxes and get a refund. This is a typical cash equivalent. I know that it doesn't appear to be on the AMEX radar yet but that is not a risk I would be willing to take considering the aggressive nature of AMEX RAT team. It could also be a r...
by madbrain
Tue Apr 24, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

Interesting data. $35k is an average that includes a number of very expensive vehicles in the calculation. Bringing it back to Bogleheads and our approach to finances vs. the “mass market,” I am a little surprised by this since the median income in the US is in the $55k-$60K range. Spending $35k on...
by madbrain
Tue Apr 24, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2448

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Nate79 wrote:
Tue Apr 24, 2018 12:33 am
Which credit card? If AMEX, no I would not risk losing the bonus to the RAT team. If others in would only use it as last resort.
Paying taxes with AMEX is perfectly fine. See "how to meet the minimum spend" :
https://frequentmiler.boardingarea.com/ ... ar-gaming/
by madbrain
Mon Apr 23, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2448

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

As long as the bonus has a much higher value than the amount you are spending in fees, it is smart, IMO. There are other methods that can be used to meet minimum spending requirements using manufactured spending, but almost all involve some type of fee, and some work. For example, typically if you b...
by madbrain
Mon Apr 23, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

One place Elon was wrong is, IMO, a $35K car is not a mass market car. The average transaction price for new cars is over $35,000, actually, according to KBB . https://mediaroom.kbb.com/average-new-car-prices-rise-2-percent-february-2018-according-to-kelley-blue-book . So, IMO, a $35K car is very m...
by madbrain
Mon Apr 23, 2018 4:15 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3709

Re: Is this solar panel bid reasonable?

Thank you, madbrain, for your detailed postings: I have to copy them all to a separate file, print and read carefully. I have been contacting solar installation companies to get a realistic picture of pricing. I have not yet gotten a quote under $3.0/W. It is also quite frustrating that they are no...
by madbrain
Sun Apr 22, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 19
Views: 1276

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

ronno2018 wrote:
Sat Apr 21, 2018 10:50 am
Self driving will be better in a few years too.
Yes, but I am not sure that anyone will offer full self driving within 4 years.
by madbrain
Sun Apr 22, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 77
Views: 6353

Re: What is a good flat rate cash back credit card?

gpburdell wrote:
Sun Apr 22, 2018 3:41 pm
runner3081 wrote:
Sat Jan 27, 2018 1:07 pm
SlowMovingInvestor wrote:
Sat Jan 27, 2018 11:09 am
Fidelity 2% cash back unlimited.
+1
+1
-1 . There is just about no reason to use this card over a Citi double Cash , given the extra benefits of the later.
by madbrain
Sun Apr 22, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 19
Views: 1276

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

IMO, there is no reason to buy a vehicle that early. The costliest component in the Bolt is the battery pack. It is warrantied for 8 years and 100,000 miles. If you buy it 4 years early, you will only have a 4 year warranty on it. Also, the battery pack could still degrade over time if not used regu...
by madbrain
Sun Apr 22, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 77
Views: 6353

Re: What is a good flat rate cash back credit card?

If you're willing and able to move 100k over to Merrill Edge and open a BoA checking account you can get 2.625% on all spend, plus a bonus from Merrill. The OP asked about cash back cards. The BoA card - presumably the Travel Rewards card you are talking about - is not a cash back card. The 2.625% ...
by madbrain
Sun Apr 22, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 77
Views: 6353

Re: What is a good flat rate cash back credit card?

Right, but the point that Looking4Answers was making is that, if you had taken the $1 back that you got in month 1 in the form of a statement credit as opposed to a check, in month 2 you would only pay $99 from the statement--since you would have gotten $1 in statement credit--and you'd only get $0...
by madbrain
Sun Apr 22, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3709

Re: Is this solar panel bid reasonable?

BTW, to corroborate the EV consumption data, I just reviewed the data from our smart EV chargers at home. They only keep data up to 6 months. For the rolling 6 months period, these add up to 2100 kWh. There was also 77 kWh of Chargepoint at work (not free). So, call it 2177 kWh for driving, or about...
by madbrain
Sun Apr 22, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

I paid 32900 for the bolt out the door. Base model and fast charge option, comfort package. After 7500 tax credit it's under 27k so at least 20k less than current model 3 configurations Sounds like you got a pretty sweet deal. I can't help but look over your math - 32,900 - 7,500 would be only 25,4...
by madbrain
Sun Apr 22, 2018 4:36 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3709

Re: Is this solar panel bid reasonable?

BTW, here are some real-world solar production reports in San Jose. The system is currently using 28 Sharp 240W mono panels on 28 M190 micro-inverters, and 12 Talesun 235W poly panels on M215 micro-inverters. Ie actually 28x240 + 12x235 = 9540 W DC. Our worst year so far was 2017 : https://i.imgur.c...
by madbrain
Sun Apr 22, 2018 4:10 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3709

Re: Is this solar panel bid reasonable?

I am cosidering going for rooftop solar, around 4KW capacity. I have a few quotes ranging from around $2.2 to around $3/W after a tax credit of 30%. Are These prices competitive in the Silicon Valley? $3 after tax credit is not competitive, IMO. How do you feel going with big guys (Tesla, Sunrun,,,...
by madbrain
Thu Apr 19, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 184
Views: 12602

Re: Is Los Angeles a good place long term to live financially?

at 967 sq foot house in my Midwest metro area (consistently rated as one of the top places to live in the U.S.) , it wouldn't cost more than $150-$200k. May I ask where that is? I was going to point out that I knew a place in San Jose where you could find condos or townhomes of that size for $80K, ...
by madbrain
Thu Apr 19, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

I think you hit the nail on the head with the highlighted portion. :wink: I'm a person who wants to maximize earnings married to someone who values simplicity. Same here :) I tried stickers on the multiple card. Didn't help my husband pick the right card for each case, unfortunately. If I were sing...
by madbrain
Thu Apr 19, 2018 6:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

My continued thinking process from there is that I can wait for the $41K car and not get full or partial federal credit (base model estimated date is next year) or buy the 50K car and get 7.5K federal credit and essentially think of it as a 42.5K car (though i pay taxes on the 7.5k that equals anot...
by madbrain
Thu Apr 19, 2018 2:41 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

Second, we looked at a Bolt and while it is not as nice as the M3, it is still a fun car to drive, comfortable in the back seat and (after rebate) is at least 20k less expensive than M3. I was looking at KBB fair market prices for base bolt and it showed 35K. You were able to buy it at a much lower...
by madbrain
Thu Apr 19, 2018 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10898

Re: Quitting job - what to do if getting walked to the door

My former employer, Megacorp,did not pay out unused PTO. They said PTO was granted and not earned. Yet the grant appeared on paychecks in the same amounts as if you had earned them. Go figure. That might not be legal in some states, like California. My employer changed to "unlimited vacation", whic...
by madbrain
Thu Apr 19, 2018 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10898

Re: Quitting job - what to do if getting walked to the door

This is why it is better to give notice on the 1st of the month and not the 30th. (That way you get health insurance coverage for the whole month.) If you give notice on the 1st and give 2 weeks notice, you will usually get only 2 weeks of free insurance Giving 2-weeks notice on the 16-17th day of ...
by madbrain
Thu Apr 19, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 184
Views: 12602

Re: Is Los Angeles a good place long term to live financially?

I understand what I’m trying to do is difficult, and might be overly ambitious for me at this time. BUT I think if I skipped going to school and just moved there, even for just a year, I could have a lot of fun and a great experience. Like I said, I’m thinking around ~5K a month for rent, ~4K a mon...
by madbrain
Thu Apr 19, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5204

Re: I want to pay off my mortgage. Am I crazy?

I would pay off Everything. Give yourself "options" :happy It's the exact opposite you are doing by paying off the mortgage - taking options off the table, locking your money into home equity, which you may not be able to access later unless you sell the house. With higher interest rates, debt-to-i...
by madbrain
Thu Apr 19, 2018 2:09 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5204

Re: I want to pay off my mortgage. Am I crazy?

If you decide you don't like not having a mortgage, you can always get another one from the bank later. Congratulations. I have to shake my head when I read arguments like this. "If you don't don't like your low-rate, fixed mortgage, with tax-deductible interest, just pay it off. And if you miss it...
by madbrain
Tue Apr 17, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

If Tesla is not actually able to deliver on FSD within the expected lifespan of the car, would they refund you the $3K ? I don't suppose this is an option that can be retrofitted installed post-sale, is it ? Same question for the EAP, or EAP+FSD. I don't know the answer to your questions. All the c...
by madbrain
Tue Apr 17, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

I'm an owner of a Model S, with enhanced Autopilot (EAP) and FSD. I made a mistake in buying these. As mentioned earlier, EAP is just a bit better than adaptive cruise control. Not worth $5K for what is does. Why did I get it? It is necessary for FSD. FSD is not standalone. But now after 1 1/2 year...
by madbrain
Tue Apr 17, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5455

Re: Costco gas

Do you go out of your way to buy gas at Costco? Those who drive a "premium" tier car, do you buy premium gas? Thanks! No. Costco gas is no better than Exxon or Shell. I use Exxon station because it's closer and the price is usually similar or lower than Costco. Each station has widely different pri...
by madbrain
Tue Apr 17, 2018 1:48 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5455

Re: Costco gas

Never. My time is much more valuable than the $5-10 I save by waiting upwards of 15-20 min waiting in line for Costco gas. Unfortuantely, my time is not. We love Costco gas and it's part of every trip (alas). The 100-gallon minimum is a killer, though. :D 100 gallon ? What are you driving ?
by madbrain
Mon Apr 16, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5455

Re: Costco gas

sport wrote:
Mon Apr 16, 2018 3:37 pm
For the last year or so, Costco has stopped accepting AMEX cards. They now accept Visa cards instead.
Indeed, and the Citi Costco VISA card gets 4% back on gasoline (at any gas station, not just Costco). Not that it matters to me since I only use about $200 of gas per year on my Volt PHEV.
by madbrain
Mon Apr 16, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 730
Views: 58919

Re: To take or not to take delivery of Tesla 3

4. You get your credit when you file your taxes, or throughout the year if you adjust your withholdings. With a tax obligation of $17,400 you’d be eligible for the full credit. The "full" credit would depend on when one would take delivery of the car, if Tesla goes through the maximum number of veh...
by madbrain
Mon Apr 16, 2018 1:58 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987988

Re: What Movie Have You Recently Watched?

A Quiet Place. I'm giving it 3.5 out of 4 stars. Enjoyable thriller with mild horror element. Distinctive backstory which creates a great audioscape for the movie. I was definitely on the edge of my seat for much of it. For sure there are some plot holes, but who really cares? Just came back from t...
by madbrain
Mon Apr 16, 2018 1:41 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987988

Re: What Movie Have You Recently Watched?

Dunkirk: Unlike the majority, I thought it was terrible. I agree. Laughable, really. Just so much stupid stuff. Maybe the worst was the grounded boat that the soldiers took refuge in, and when it started to float, they somehow decided that ONE guy getting off would mean the difference between it fl...
by madbrain
Sun Apr 15, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Google Pixel just died
Replies: 10
Views: 1429

Re: Google Pixel just died

Did you have a password set on the device that you had to type in at startup time ? If so, and it was running a recent version of Android, the device was encrypted. The data on it would not be recoverable without that password, at least in theory, unless someone found a backdoor into it. I would not...
by madbrain
Sat Apr 14, 2018 5:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987988

Re: What Movie Have You Recently Watched?

Molly's Game. Great movie. Jessica Chastain is perfect, as usual.
by madbrain
Fri Apr 13, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 598

Re: [ANOTHER!] HSA/HDHP or PPO plan?

Yes, I tried to clarify that in an edit. It's $333.33/month. On the deductibles, if we meet the ded in January, then it stays with us all year. The plans are with the same company, *shudder* UHC. I guess I still don't understand. Why specifically January ? If you meet it in any month of the year, i...
by madbrain
Fri Apr 13, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21778

Re: Anyone Deleting Facebook?

They are far more sophisticated on collecting data on you than you realize. Its not just about how you use their service - they collect data on you through tracking cookies and several other means not to mention simply buying what they desire from aggregators. The tracking cookies are fairly easy t...
by madbrain
Fri Apr 13, 2018 2:05 am
Forum: Personal Finance (Not Investing)
Topic: [ANOTHER!] HSA/HDHP or PPO plan?
Replies: 10
Views: 598

Re: [ANOTHER!] HSA/HDHP or PPO plan?

Employer HSA Contribution: $4k (yes, $4,000, once per month), we put in the rest (per paycheck, not lump sum) up to the IRS max. If it's really $4k per month, it's a no brainer. I assume you meant per year. All deductibles RESET on Jan 1, not PLAN YEAR. This has proven important in the past when sw...
by madbrain
Wed Apr 11, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

Some things like utilities and phone bills, etc. just don't benefit by using something else. Phone bills get 5 UR points per dollar with my no-fee Chase Ink Cash. Redeemed for travel at 1.5cpp with my Sapphire Reserve, that's 7.5% back. My other utilities (PG&E, San Jose water) don't accept credit ...
by madbrain
Tue Apr 10, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

...I did. I have 2 Fidelity elan visa cards at 2 % cash back. Don't use them because the benefits suck . Only keep them open because they are some of our oldest accounts. Can you elaborate? We have a Fidelity 2% CB card and use as our general purpose "cash back" card - where we don't get more cash ...
by madbrain
Tue Apr 10, 2018 3:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

Thanks for the tip. When I was looking last year around Memorial day, even 2 months before, all the 4-5 star rooms with $300-$500 A night, plus tax. We didn't go to Hawaii because of this. No point in getting a free flight if we have to pay those prices for a room. $795 for 5 nights is a great pric...
by madbrain
Tue Apr 10, 2018 3:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

This would have been great info to have 10 days ago, the date my husband cancelled his Hawaiian credit card. Do you still have yours to be the lucky recipient? Otherwise, sometimes credit card companies allow reinstating of a canceled card. Not sure if that is worth it or if you’d end up paying an ...
by madbrain
Mon Apr 09, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

We haven't used the miles yet. The airfare is one thing, but the hotel room costs in Hawaii are crazy. We may need to figure out ways to use those miles on partner airlines, as we don't want to let 100k miles expire. Awardwallet is very useful for tracking miles/points expiration. Really depends on...
by madbrain
Mon Apr 09, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2544
Views: 478299

Re: What's Your Credit Card Rewards Strategy?

... As far as your answer, I used to have a flat Fidelity Amex 2% card and 1.5% Fidelity 1.5% VISA card . ... You should be able to get that 1.5% Visa card converted to a 2% Visa card with a phone call to Fidelity. I did. I have 2 Fidelity elan visa cards at 2 % cash back. Don't use them because th...