/biz/ - Business & Finance

>>49872237
I use credit cards for no other reason that to make small businesses mad. Anytime I go to the local liquor store, I always pay in the American Express even though I have several hundred dollars cash on me. The pajeet cashier who is probably also the owner's kid always screams and says I will not be allowed to purchase things next time if I try to pay you with credit card. I've done this four or five times now and he still has yet to deny me a sale.

Is he rentmaxxing? How many units?

>>49872639
Why do they not want it?

>>49872850
Credit cards charge fees to the vendors. American Express in particular charges especially high fees.

>>49872850
you can't launder the blood money of the crime syndicate that gave you the store that way

>>49872869
They also lock their money for a month IIRC.

>>49872869
It sounds like you're favoring a bigger jew over a smaller jew.

>>49872963
If I ever make a charitable donation, I do always make an effort to use a debit card because those do charge lower fees than credit cards I think. But I do use a debit card that gives me crypto rewards.

Venture X + SavorOne is all the credit card stacking 90% of people would ever need. Maybe the chase trifecta or an amex combo if you travel a lot (as in dozens of trips requiring lodging and airfare each year).

What is /biz/ take on Sam Hydes creddmaxxing techniques?
https://www.youtube.com/watch?v=oD2gXY4piF4

>>49873153
3$?

>>49872963
Smaller the business, the bigger the kike the owner is. It's fun to fuck with them since you can actually see you are having a measurable impact on them thanks to their seethe.

>get a load of credit cards
>Max them all out
>Just do the minimum payment monthly
If you did this you're essentially paying a small amount of money over time for a potentially very large amount of money now. Can someone say how this is a bad strategy? I kinda want to do this to get crypto but my credit score is like 4-500 rn

>>49872869
i had a pajeet vendor get mad at me for trying to use my amex saying i was "hurting small business for american fat cats"
honestly it brings me joy knowing that when i buy something they're getting 1-2% less

>>49872639
This doesn’t sound real but it’s so specific I believe you

>>49874457
fuck small buisness owners. I hate them all

>>49874545
Why? What the fuck is wrong with you?

>>49874323
This is exactly why your credit score is 500. I’m not even going to entertain your idea or tell you why it’s wrong, because I believe someone this dumb is beyond help.

>>49874457
American Express absolutely rapes these guys.

>>49874571
anyone who can look someone in the eye and say 12.50/hour no benefits is the best they can do because muh small business while there's a huge portrait of his waterfront mansion hanging in his office deserves to lose 30 cents on a purchase and seethe about it

>>49874323
It works if you're willing to go bankrupt at some point...and you'd have to be making money under the table or have ways to hide it. If you maintain a good score you can juggle interest free intro rates and balance transfer cards.

>>49874634
You're the lowest IQ retard that has posted today. Government defines small business as less than 500 employees. You're confusing a literal small business with less than ten employees with a corporation pretending to be a small business to scam the system

>>49874708
this was a business with 6 employees

>>49874701
They really can't do anything if you have 41 different cards. The debt on each account will be so low that they will almost never sue you and all them will be handed over to collections. It works if you just want to bankrupt yourself and ruin your goyscore for a bunch of consumer garbage. It's a basic bitch midwit tier scam at best.

>>49874634
Your example sounds completely made up and a gross misrepresentation of the average small business owner. Youre just a communist faggot

>>49874729
How much do you think that poojet gas station is grossing annually? You think they're making enough to pay 6 people 100k+ full healthcare?

>>49873116
What's the best credit builder for people who don't leave the house?

>>49874959
Depends what point you’re starting from. If your credit is completely busted or nonexistent, Discover and Cap1 both offer the best secured credit cards, and if your credit is bad or new enough, secured cards might be the only ones you can get. If you have good enough credit to get non-secured cards but not the top tier rewards cards, then it depends wildly upon what your spending habits are.

>>49874457
ugh me too tbdesu. they're even worse than people who collect unemployment... narcissistic wannabe gordon gekkos. oh you want to have dream and become wealthy? here's corner store, best i can do. hahaha. signed GOD

>>49872963
Liquor stores are typically govt owned so he might be screwing the biggest jew in the world: the American govt.
Also fuck pajeets for calling me everyday to try and rob me through scams.

>>49872237
based debtmaxxer

>>49873061
>crypto rewards.
tell me moar

I just got approved for the Amazon credit card. What am I in for bros?

>>49876616
I use the Coinbase card that lets you select from various cryptocurrencies. The rewards you can choose from change from month to month, but I'm currently getting 1.5% back in Bitcoin with mine.

>>49876643
What is your credit history like? Been looking for more information for this card in particular. How long have you had credit, and how many hard inquiries do you have on your report right now?

>>49874797
/biz/ is full of redditors and teenagers. they hate anyone even doing slightly better than they are. it wasn't always like this. it definitely got worse after the COVID market crash and gme shit that flooded this place with reddit.

>>49876712
sounds based, will look into it

>>49876844
It's good, but you have to keep in mind that it basically works the same way as a prepaid Visa debit card where you load it upfront, (probably with USDC to keep it simple, though you can have the card convert other cryptocurrencies into dollars for your purchases if you want.) You won't have a problem with it being accepted at restaurants or anything, but some places where you pay bills won't accept prepaid cards. Like I couldn't pay my internet bill with it.

>>49876742
Started building my credit in 2019 from financing a new car and later a credit card from my bank. I'm at 780 good goy points and the application for this card is the only other hard inquiry I've had since 2019. I've never been late on my payments, I've always paid my card in full and my car payments as early as possible.

>>49876980
I've been trying to deduce how young a credit history you can have. I think Chase generally prefers to see a year at least.

>>49872237
debt is stricly an american tradition

>>49876962
>go to Walmart
>buy money order for $1 with coinbase card
>receive crypto reward
>deposit money order into your bank account
>pay off internet bill
Boom, your welcome

>>49874323
its called 30% APY dipshit

>>49872639
You are a retard. Nobody uses cash, every single person I know exclusively pays for everything with a credit card