/biz/ - Business & Finance

>>51334736
cringe

> How to attract THE RIGHT type of women!
https://files.catbox.moe/gkvxxo.webm

> How to find a Beautiful Traditional Wife
https://files.catbox.moe/u2wxxm.webm

>>51334736
I unironically just received my gold card yesterday, I'm 27 and after I posted it on snap I got like 5 chicks replying horny

>>51334808
this, girls admire mine and say shit like 'i wish my boyfriend had a gold credit card' or make sexual jokes about it's thickness.

Been using it since 2006, get all my gas and groceries and Costco.

>>51335269
Anti magnet for pussy. I have a black card and even cashiers bite their lips when I pull it out

>>51335269
Smart, economical shopping at Costco and getting your gas there
>>51335474
Retarded, caring what women think was your first mistkae

I used to have a good time cycling cards and feeling smug about getting 1.5%-2% back. But then I found the new motherload of credit cards: 0% / APR for extended Terms. You can get credit cards that have 0% interest for 18 months. With inflation, that's basically a free 9%+ cash back. So basically I rack up my 2k a month payments and just pay a huge 36k lump sum before the massive interest kicks in. They count on your overspending or forgetting when the 0% interest period is up but other than that it's sweet. Also I invest that 36k in treasury bonds or CDs in the meantime so I actually am earning 1-2% still while inflation eats away at my credit card balance for 18 months. People even smarter than me may know how to transfer balances between cards so you don't even need to pay off the balance and can instead keep transferring between new credit cards, but I haven't looked too much into that yet.

>>51335721
Why did you not post card I need money to invest in the crash

>>51335806
There's like 15 different ones I couldn't say which is better than the other they all should be equally fine. https://www.nerdwallet.com/best/credit-cards/low-interest

I get 4% cashback on everything, plus it looks pretty fucking dope in black.

>>51336273
>not available in the US
Damn.

>Not skimming 2% back on each purchase
>Not making 5% on categories you ALREADY spend money on.
You people don't like free money?

>>51336499
Burgers aren't allowed anything because your regime is held in the same class as North Korea and Islamic Caliphates

>>51334736
It will definitely get you laid if the escort accepts amex

>>51334736
They waive the annual fee for me. Otherwise I would not keep this shit. It has mostly the same bennies but one important one. The concierge. If you're a homebody type I wouldn't bother. But you can call these fuckers for everything. 9:30 res at dorsia? Concierge. Plan and book your whole itinerary for your next trip? Concierge. Need out of stock merchandise? Concierge. Sold out venue? Concierge.
>gold
If you're gonna ball then ball out.

>>51336273
I'm in US but what if I apply for it while I'm on vacation in Portugal? Are they just looking for the delivery address or something else?

>>51338155
The address in your verified Binance account so you'd need a fake proof of address to verify your account with.

>>51338178
Can't I just change my address and act like I "moved" there? Do they revoke the id verification whwn you change address?

>>51338229
Cashback credit cards are a dime a dozen in the US, just churn those.
The Binance card is great for the EU because cashback isn't really a thing here, and you don't need to a shitcoin like CRO but BNB which is a decent token in of itself.

>>51338090
Are these wallets any good? I have like 10 cards and I can't carry them all in my good ol' wallet

I have a 1percent cash back card that gives 2 percent on gas and groceries. 790 credit score, should I look for others? I hate having to do extra work like rotating rewards or fucking around with points and miles I don’t understand

>credit card
NGMI. Use stripe payments on Polygon anon. Who the hell keeps money in a bank these days. Are you a normie or something?

yeah idk
the only credit card I have is amex preferred
I lose money on it yearly because who the fuck spends $5k on useless shit every year and most stores are really anal about amex or just don't accept it but I always try anyways
the only reason i have it is in case i have to lose all my assets in a tragic boating accident and need to head back to the motherland at least i'll have some credit history international whereas local banks do fuckall

Credit cards aren't worth it for the most part unless you actually do find a way to properly spend it (and by spend i mean invest or rent) debtmaxxing is also based

>>51338282

I mean it's not like it's going to be a lot of money unless you're a big spender, but if you wanted to mess with getting another card there are a handful of straight unlimited 2% cashback cards out there that require keeping track of rotating categories. Citi Double Cash is a popular one. I recently got the SoFi card that offers 3% CB for the first year, but it requires you have a checking account with them w/direct deposit and the 3% is limited to the first $12k of spend, then it drops to the normal 2%.

>>51338418
>that don't require keeping track of rotating categories

Derp, typo

>>51334736
had the amex gold when I was 19-24, eventually got rid of most my cc and only use crypto debit cards now that do 5% back in crypto. more people have commented on my metal crypto card than on my old amex.

>>51334808
>>51335211
Woman are pathetic.
As a zoomer I’m astonished these boomer cucks have given them so much power. Literally enabling over emotional animals to steer the wheel.
Why is the world so cucked? wish I could reincarnate as a marine on an imperialist ship exploring foreign land and killing savage enemies in the name of God.

>>51338280
I've had it for about 5 years. It's longer than any other wallet I've had. I even use it to open bottles. It can accommodate ten cards I just don't like it that thick. I carry three cards and the rest on my phone (nfc).
>>51338344
Tbh I've been hoarding credit cards to someday max them all out and never pay them back. With enough cards that's easily a six figure grift. Your fico doesn't exist outside ameriland

>>51335269
you do realize the gas and groceries are usually more expensive at places where they accept credit cards. have fun thinking you are actually saving money, goy.

>>51338830
What grocery store doesn't take card in the year of our lord 2022

>>51338276
Idk, I kinda want a crypto card with me for my Europe trips

>>51338830
What un-american land are you from? Do you trade goats and barley or something?

>>51334736
Can someone give me a solid, serious answer on credit cards? I've always been a good goy and never got into debt because I'm not the typical normalfag who needs to buy the latest Gucci product and I know how to keep my finances in check, but I always associated these with debt traps and the ultimate Hebrew trick.

Today my bank sent me YET AGAIN another email about getting a card from them, which is why it prompted me to ask and seeing there's a thread up, why not.

>>51338908
They literally would not offer them if they benefitted you in any way.

>>51338830
>store charges 4% more
>Amex gives me 4% cash back
oh no

>>51338908

As long as you pay it off every month and avoid the trap of being tempted to spend more than you would without the card, rewards are basically free money.

For better or worse basically all retailers in the US already build transaction fees into the prices of their products, so unless you're at one of the rare gas stations or other stores that offers a cash discount, you're already paying for everyone else's credit card rewards even if you don't have one.

5x UR points back on basically everything via gift cards from Staples / Office Depot / Office Max, works via email delivery gift cards through their website as well, if they don't have the gift card you want just get an Amazon/Target gift card and either of those will probably have it

UR points always redeem for 1 cent per point minimum, but transferring out to travel partners can get you well in excess of that

>>51338830
this is the dumbest take ive ever read. do you live in fucking brooklyn where the only stores there are nigger bodegas???????????????????????????????????

>>51338908
Look for a card with rewards on something you have to buy anyway, gas and groceries are probably the most common thing for most people. Use the card to pay for those things and pay off the balance every month before the interest kicks in. Depending on the card this basically makes whatever 2-6% cheaper. Do not give into temptation to buy a ton of other shit you couldn't afford without the card.

>>51335474
do people actually look at credit card?

>>51334736
Only suckers worry over those $10 monthly coupon credits.
It's about the signup bonus, the return on continuous spend, or other unique perks that some cards have.

Mostly the signup bonus though. Churn and burn. Credit cards save me ~2k a year in travel expenses. Nothing amazing but its incredibly low effort.

>>51339905
I have a citi savor card. It's made out of metal or some shit. Every time I've had to hand it over for someone to swipe they always comment on it.

>>51340748

The Amazon Prime Visa is a metal card too, it's definitely noticeable, has a lot more weight to it than a regular card.

If you have more than $250,000 in assets with Merrill and BofA you can get 5.25% cash back with the BofA cashback catagories card. I have 4 of them: one for restaurants, one for online purchases, one for home depot/ home improvment, and 1 for gas. You can change catagories once a month but I just kept signing up for them and I got them.
I have Amex blue for groceries because BofA doesnt have that catagory.

>>51335563
I buy gas at reserves with a massive mark down.

>>51334736
nobody cares about what card you use except other card enthusiasts. metal cards get some attention just because they're different from nearly all of the other cards people handle every day

>>51338788
chegged
i plan on doing the same and apply to a bunch more credit cards when i feel like not being a degen neet and going back to the cagey sometime
debt will be forgiven, or it won't even matter as all fiat currencies will collapse and they'll head over to CBDC's at which point it is absolutely fucking over. I'd give it 5 more years to enjoy life for a bit but buckle the fuck in
I'm bretty sure amex gives credit history internationally so if i wanted to apply for a loan or mortgage or whatever thefuck i could do so anywhere with history to back it, whereas say TD they won't do shit
I could be wrong
The other benefits being if you travel amex provides solid insurance should you need it, travel car, hotels, etc.
Alongside every single purchase you make the credit card companies have your back should you encounter any problems
It's kino if you know how to use it as well as make a decent living / travel

Points and bonuses bas on how much you spend are retarded, with the exception of groceries and gas. For every other category you're just being lured into consoooming for the promise of some measly % of a purchase you'd be better off not making in the first place.

The only reason to use a credit card is because its safer than using a debit card.

On an unrelated note, I just wanted to let you guys know coffee IS good for you in small amounts (three 6oz cups per day or less).

>>51338090
how did you get them to waive it

>>51334736
A gold card? anon. I had a platinum for a while and these niggers unironically offered me a black card. but I’m poverty tier and no way should I have qualified.

I have an Amex gold and Amex plat. Hardly ever gets mentioned and sometimes I feel like an asshole. Like if you pull up to the drive thru in a new car with red leather interior and hand the fat roastie working the window an Amex plat, then hang my hand with a nice watch out the window while I wait, it makes me feel genuinely sorry for them.

>>51341915
Active military, I assume.

I got it with the waived fee, but I'm a homebody as anon said so I realized it wasn't worth it.

>>51340842
It is not metal, it's just really thick. It's made out of plastic

>>51335721
how do I know you're lying? T-bills are paying over 3%. You would've bragged about it rather than saying "1-2%".

>Amex is so irrelevant that it has to flat-out employ people to go on internet forums of sexually frustrated men and imply a credit card will get them attention from the opposite sex

>>51341450
caffeine, any stimulants all disrupts the metabolic process
you are disrupting your natural processes, it most definitely is not good for you lol forcing your body to shit itself rather than just be healthy

>>51342309
Ngl it's really tempting if it's true, and could fooled me. I've been wanting it for a while for the rewards but if it gets me laid that would be worth the money. Problem is though I drive a Prius and it would be retarded if I pulled up with a nice watch and an Amex gold.

>>51342324
you will be fooled into paying an annual feel that could have bought you an hour with a decent hooker for a shitty credit card that a bunch of places don't even accept

lads what's your current card stack
the ones I'm actively using are:
Apple Card for 2% on Apple Pay (most places take it) when I don't have a better card, 3% on my Apple purchases, 0 APR on a new watch
Amex Gold: I spend a ton of money on food, like probably most of my budget is food because I love going to restaurants and shopping at mid and high scale grocery stores. 32k in points so far this year, I also love the credits for delivery because I get delivery at least twice a month.
Discover - 5% rotating categories, was my zero apr card until that promo expired last month
Citi Custom Cash - Using this as my current zero apr/balance transfer
Amex Blue Cash - keep this one around for my adult son to use, also 3% on online shopping now and 3% on gas

>>51342472
I use an Amex gold as my main card and I have only been to like five places that don't take it. Usually if a place doesn't take amex they aren't worth it either

>>51342472
>bought you an hour with a decent hooker
I'm a virgin, not a degenerate virgin. Hookers have had dozens of cocks in them Grossman. Less cocks the better I don't rub my cock on public urinals. Plus 250 is nothing in bidens america

and yes for what it's worth I do get more attention when I use a gold card, it is a flex and I enjoy it. Whenever I'm not using apple pay I keep my Amex in a snake skin clutch wallet in my purse to give myself an even bigger air of luxury. My husband keeps his in a leather wallet but it is all dinged up; I keep telling him to call amex for a new card but he won't listen to me

I use the Delta Platinum one and it paid for itself after an international flight (I bounce between Japan and the US fairly often). I might upgrade to the Reserve later.

>>51342524
Amex charges merchants the highest fee of any of the major credit cards. This is why I exclusively use Amex, because fuck ‘em. The only places that don’t take it are shitty and I either will go somewhere else or pay cash. It’s honestly pretty rare.

>>51338908
contrary to popular belief for whatever reason you're not supposed to use a credit card as a 30% interest loan, you're supposed to use it as a replacement for your debit card with extra fraud protection and free money (points).
i.e. don't buy things that you won't be able to pay for next month. just use it for all of your regular expenses, pay off the statement balance, and grind points for cash back.

>>51339099
the offer them because people don't do the above, and even if you do they're still getting their transaction fees, so both parties win, or rather lose slightly less since the cost of all this is just diffused into everything.

>>51342562
one thing I think is fun when a place doesn't take amex is to use a "spite card" that has an interchange fee that is either close to or sometimes more than Amex. in my case it's the Apple Card which is Mastercard World Elite and has an interchange fee of 2.2% for a swipe, amex retail under $75 is just 1.6% for comparison.

>>51342524
that is five more places than zero which is the only acceptable number for a card that charges hundreds of dollars for a privilege of using it

>>51342543
you are a delusional virgin, if you get lucky you might actually have some mediocre sex with a gross date and finally realize you should have just been a sex tourist, but the more realistic outcome is that you will never get laid and remain delusional

but please
feel free to give this credit card company your money

>>51342627
okay, sure, not every place is going to take amex, but then I have another card. and hell there are places that don't take cards at all, and some places that will only take one type of card, like costco... so I don't really care

I have chase sapphire reserve, its good with the travel credit, but like other anon said if youre a homebody none of this shit matters.

I have the card and its honestly just for flex, i wanted to get platinum also but now theres almost no point i barely go out anymor, let aloner i always leave my reserve at home now lol

Guys, what good credit card do you guys recommend with good rewards? I'm from US.
>>51334736 >>51334780 >>51334808 >>51335211 >>51335269 >>51336273 >>51338090 >>51342546

>>51343453
It depends on what you spend the most money on, how much effort you’re willing to put into maxxing rewards, and if you are willing to put in the effort to use points effectively or if you prefer simple cash back

>>51335269
>>51339360
I have these two. Mostly use my Apple Card tho. Cashier girls do notice cards btw.

>>51338874
>>51338903
>>51339384

cope and sheete, goy

>>51334736
> I tell women how much money I have
ngmi

>>51341915
They will also waive it for some airline employees. Including myself. Mostly use it for lounge access and to impress filthy chavs when I visit the uk.