/biz/ - Business & Finance

>>18942446
You and everyone else is going to have a cumulative credit limit of less than $500 by the end of the month

with a name like zinser youll be the premium sperm rinser in no time

Lol I've had a metal card for a while now

>>18942446
very based

>>18942446
I thought that was a ballsack on the card

tell us about it.

are there bonuses or what?

>>18942446
What's so special about it?

I got an Amazon credit card today (I do 90 percent of my shopping there. Dont care if its a meme card, don't @me) and was surprised to find out it's metal. Very surprised.

>>18942446
What are you going to do when they go bankrupt, OP?

>>18942699
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening

>>18942765
oh and your credit has to be considered EXCELLENT to get it

>>18942765
Damn not bad. 3 percent on entertainment is actually great

>celebrating becoming a Jewish debt slave

>>18942446
Very. Sharpen the edge & use it to assassinate your enemies.

>>18942765
>dining and entertainment
what a stupid transparent ploy to get you to spend money on waste

>>18942819
its actually 4 percent though

>>18942984
Not all of us can't handle credit, retard.
It's called paying back everything at the end of the month and never paying a penny in interest.

every single day this week has been gap up overnight, crab throughout the day trending down, dump hard at close. when are they changing it up

>>18943113
>implying

>>18943113
>alters his spending habits
>card fees
>merchant fees
>misses a payment
>completely tracked by the government and big data

Nothing is free.

>>18943183
do you buy gas or pay for utilities or buy food? would you buy spend more on these things suddenly if you paid for them with a credit card?

plenty of cards without fees

you don't pay merchant fees, why the fuck do you care

don't be retarded

better get rid of your cell phone and get off the internet

reminder that I started my business with credit cards and never had a late payment and back when you literally got like $1500 and shit for spending a lot which I had to anyway

>>18942480
so max my credit card and buy crypto with it.

k thx

>>18942446
I have that card too. I used it to get a $150 bonus.

>>18943215
Good goy

>>18943367
based retard

>>18943339
I recently learned there's a whole community of people that sign up for credit cards just for the offers. Credit Card Churning. I should make a /churn general/ thread, seems very Business and Finance related.

>>18943389
I'm one of those. I have 15 active credit card accounts. I sign up and do whatever is required to get the bonus. Then I pay off the card and never use it again. I've made at least $3,000 this way.

Savor card is meh. I have a card for nearly every category. 5% gas (AMEX). 5% rotating category (Discover & Chase). 5% Amazon. 3% grocery (Huntington, selected category). 3% dining & travel (Costco). 2.5% everything else (Ollo Optimum). All no annual fee.

>>18943183
Retarded nigger with bad credit, shut up. I've gotten near $10K in credit card benefits between cash rewards, damage claims, price matching, and return guarantees in just the last 8 years. Paid $0 in interest because I'm not a broke retard. Unfortunately more people are becoming savvy with this shit and a lot of cards have lost these benefits.

>>18943464
interesting, are there any downsides to this?

>>18943524
are there any downsides to having a shitload of credit cards? does it hurt your credit?

>>18943540
every time you open a new card your score drops. not an issue if you don't need to take out a loan in the next five or so years. also possibility of getting blacklisted if you churn too obviously or too hard.

>>18943540
You will lower your average account age each time you add a new account. But it's not very relevant in determining your score, and you could just close the new accounts after you get the bonus. But more available credit always looks better.

>>18943583
doesn't hurt to have a lot, hurts it to open a new one. one factor of credit score is average age of all your accounts, so opening a new card will naturally drop your average a bit, but it bounces back.

>>18943583
You will lower your average account age every time you open a new account, not a big deal. Hard inquiries will also cause a slight hit, but again, not a big deal. I've had over 50 inquiries on my report before and still had a score over 750. Biggest factors are lots of available credit, low usage (ideally 0 unpaid usage on your credit cards), and payment history.