/biz/ - Business & Finance

the bare minimum one just to travel a bit fuck credit cards fuck banks

>>52921024
i dont use credit, i have a debit card mastercard from my bank and a visa card from binance

>>52921024
That card.
Orders Frikandelllen.
Lol.
Lmao even.

>>52921024
>looks at poor mans menu
lol, lmao

>>52921024
citi doublecash, if there is a higher cashback rate on all purchases (2%) on a no annual fee card let me no anons

>>52921024
sapphire preferred because it makes people who don't know any better think im rich when i slap it down on the table

>>52921024

> Come on goy, tell me which kike you're invested in

>>52922782
if you dont carry a balance or pay an annual fee its free money tho

>>52921024
Amex Platinum solely for lounge access

>>52921024
cash rewards

>>52921024
i can't post a pic of my credit card because my metal card is so polished that the reflection in it would give 4chan autists so much information that i would dox myself. anyways my card looks like the credit card of some gaudily rich sheik but in reality it's just one of my day to day credit cards but i had the chip and magnet strip transplanted onto an insanely metal card. this cost me about $250 and the card is good for 10 years. also i pay no fees whatsoever.
the downside is that i now have to be careful to not flash my pseudo multi-billionaire credit card into poor people's face or else they could think i'm actually rich and then expect higher tips.

test

>>52921024

visa, 4k limit. could probably get that bumped to 20k but too lazy. I feel like I should have two credit cards though, for example what if I'm travelling and one doesn't work or something. Any good cards for canadians?

>>52922815
there is nothing good in canada, you know this already.

>>52922077
>Frikandelllen
frikadellen sind bouletten or for your burgers it's meatballs, it comes with "Halve Hahn" which is a rye bun. basically a hamburger for people with money.

Navy fed flagship rewards

Too many lol.

Current favorites are Gemini credit card with 10% back on gas for a year (cash back is in crypto, but you can do stablecoins like USDC), SoFi credit card with 3% flat cash back for first year (but only up to the first $12k in spend, so total $360 CB), and Discover It for the quarterly 5% categories.

>>52921024
Yes goy, have all your transaction amount, time and location saved on Jewish servers forever. What could go wrong?

>>52921024
https://www.captchacoin.net/

>>52921024
i have an apple card ($8k limit) i use for everyday purchases and pay off every month, a credit card from my credit union (20k limit) that i have for emergencies, and a chase amazon card (8k limit) i use for the 5% back on purchases on amazon

>>52921024
Credit card? None.

One debit, not even on my name. I use ONLY CASH and crypto.

>>52921024
>he does use his own bitcoin core full node, btcpay server and his own lnurlw programmed to BTC NFC cards
ngmi

>>52922792
>if you dont carry a balance or pay an annual fee its free money tho
re-read what you typed.
then delete your stupid post.
(hint: THERE IS NO SUCH THING AS FREE MONEY IF YOU HAVE TO PAY IT BACK)

I don't even know any more. I open up new ones when I plan to make big purchases to get fat cash back rewards and then stop using them. Gonna get $500 back from building my new PC by the time I'm done with it.

Credit is for retards

>>52924329
There is no interest charge if you pay the balance in full every month. The credit industry calls these people freeloaders. They want people with a revolving line of credit.

>>52924487
i'm credit card companies worst nightmare. i always pay ot off every month so i never gove them money and on top of that i regularly apply for new credit cards and credit limit increases which then improves my credit rating because i use an even lower percentage of my limit which then gives me even more options to freeload with better credit cards and breer loans.
the trick is to always pay it off and milk the system to it's absolut limit.

>>52924685
*sorry phone posting

>>52921024
literally the new money shitcard. dont get cashback, pay ridiculous yearly fee. amex is the most relaxed about ever blocking cards so thats nice but they have a 2% cashback card iirc

>100 euros for a single meal

>>52921024
I have 27 active cards with a total credit limit of $300k. I like the Sofi credit card because it's a simple 3% cash back on everything for 1 year and then 2% thereafter.
Most of my other cards were opened just for the intro bonus offer. I'm keeping them open just in case I get a horrible illness and have rack up debt.

>>52921024
i am 29 and make 100k a year and have never had a credit card

>>52921024
Same as you buddy ol' pal, I fly a lot so I have the Delta version
>>52921045
Stay poor
>>52921056
Stay poor
>>52922077
Stay poor
>>52922080
Stay poor
>>52922762
Semi based
>>52922782
Stay poor
>>52922792
Based
>>52922796
Based
>>52922798
Stay poor
>>52922803
Exceedingly, profoundly, quasi-quantum based
>>52922809
>low test
>>52922815
Stay poor
>>52922984
Based Semen
>>52923057
Stay poor
>>52923427
Stay poor
>>52923591
Stay poor
>>52923605
Stay poor
>>52924299
Stay poor
>>52924347
Stay poor
>>52924460
Stay poor
>>52924685
>i'm credit card companies
Pleased to meet you Credit Card Companies, I'm Dad
>>52924696
Stay poor
>>52925830
Stay poor
>>52925842
Stay poor
>>52926857
Stay poor
>>52926878
Stay poor

>>52921024
Your mom's

>>52921024
>>52922077
OP is a faggot

>>52924347
This is the way. I've made at least $10k from churning credit card opening bonuses.

>>52921024
I used to just use the debit card, but after realising how good goy points work (credit score), I now try to buy everything that offers no fees with credit.
My credit score jumped from 600 to 850 points just because I am pretending to be stupid and "buying stuff I can't afford".
Also, here is something funny. Let's say I need to buy some parts for my motorcycle. It cost 350 or 8X43.75 WITHOUT ANY FEE. My bank actually covers official inflation and a little bit more, by buying with credit, I am actually getting a discount of a few bucks at the end because the inflation evaluated the parts I still did not paid...

>>52927012
>evaluated
devalued

I use several
My main ones are
> 2% cash back everywhere card
>5% gas card
>5% grocery card

Every few months I also credit card churn.

>>52927210
Also if you are interested you can pay your credit card bill with the coinbase debit card using PayPal.
It requires you to be on top of it though

no bank in my country wants to give me a credit card
wtf?

>>52921024
Amex is not technically a credit card you fucking rube

>>52926909
your opinion matters

This is all I use. I stack 100% BTC but use LTC card for spending money since it's better than holding my debit card balance in fiat. Fuck credit cards.

>>52921024
why would i want to tell everyone around me that im rich? a normal card seems like a much better choice

>>52924347
how does this work? how do they profit of throwing away this kind of money?

>>52927948
For every one person that takes advantage of credit card offers, there are thousands of retards paying high interest each month.

>>52927948
By using credit cards for rewards you're taking advantage of mouthbreathers who carry a huge balance

>>52927991
this feels so easy to avoid. how the fuck do they fuck up so hard?

>>52928012
Most of the general public is very bad with money

>>52926934
the faggot is >>52926909 for the mass-reply alone

>>52921024
Not a credit card but Coinbase debit card with 4% back. Best card.

why would I need credit? I use cash and crypto

>>52928039
At the company I previously worked at there was a glitch in the payroll department and paychecks were delayed by 24 hours.
Not a big deal for me, but most of my coworkers were panicking because they weren't going to be able to make mortgage or car payments for the month.
This was a white collar business where everyone made $60k to $75k salary.

>>52928246
The same thing would likely happen at my place of work where the average salary is like $150k. The running joke is to give their money to me to invest because they think I'm some type of financial guru.

Amex Blue Cash Rewards here:

3% at gas stations (gas, beer, smokes)
6% groceries
1% everywhere else (am loner so 90% of spending is on gas, beer, food, and cigs)

>>52922708
same here, just closed my capital one card that was the same but with a fee.

>>52928246
>>52928314
I really don't understand how people can live paycheck to paycheck. I'm getting $400 a week while studying, rent is $250 a week, and I still save each week.
When I was working full time earning $1200 a week and blowing my money on all sorts of stupid shit there was still never a paycheck to paycheck situation.
People are genuinely retarded with money.

>>52921024
I use sapphire and OG freedom, soon to get business ink. Otherwise I'm generally grabbing cards and abusing sign up rewards. My credit card limit is about 2.5x my current annual income. My favorite experiences have been Amex Blue Cash Preferred and the Chase Sapphire by far. Next best experience was Capital 1 quicksilver. Cap1 keeps changing their program around. I still like the card, but they need to choose off they're keeping the masking functions or not.

>>52928402
I've said the same thing
Currently in uni as well and if I fully show up to the 2 days i work at this job I'll make around $350. But since it was finals week last 2 weeks I requested off one of my days and yeah so now I'm only getting $100 this week, but at the same time I live on this and get around just fine some people literally can't even budget $10k per month this kid at uni gets like $5000 a month from his parents per sem and he literally blows it in the first weekend and penny pinches the rest of the quarter

>>52928402
>how people can live paycheck to paycheck
Unironically its because...
>they eat out
>they "treat themselves" to overpriced """coffee"""
>they have 2-3 streaming subscriptions
>they throw out excess groceries (if any)
>they have pets and children they can't afford
>if they ever save any money, all of it is kept in a savings account or a 401(k) that they haven't managed and they blow the savings account on le traveling

>>52921024
>paying interest and transaction fees to financial oligarchs
I don't use the plastic jew

>>52922708
This. They literally pay you a percentage for every purchase and pay you another percentage when you pay it back

>>52928497
Based

>>52928505
Pay cash local desu.

>>52928483
This is my gf to a T but with no savings/401k. Her car got wrecked last week and she's panicking at the thought of a $300 per month car payment.

>>52928402
my dad's philosophy about the most boomer "asset" of all (cars) is as follows: "i always bought new cars because i hate dealing with them breaking, plus i work hard so i DESERVE one!"
though, unironically, this is how they lived in such an economic boom - unfiltered and rampant consooooming

>>52927948
They get 2-3% of the purchase price whenever you use their card, from the seller. Don't ever use a credit card at a locally-owned small business.

Credit card companies compete for customers that responsibly pay the balance on time, every month. From the bank's perspective, they're like a lower risk/lower ROI investment compared to idiots that pay 25% interest, but could default at any moment.

>>52921024

Currently on that secured capital one time as I have literally zero credit history. Since I want to buy a rental property in the next year or so I figure I should probably start building my credit.

Would love to get the card in pic rel or at least the poverty amex.

Most citi, chase...etc cards. Scream poverty to me.

>>52928402
>>52928522
all of this to say, that human stupidity and hedonism has literally no limits

>>52927012
Can someone explain the picture?

>>52928563
Fleshlight

>>52928527
it still feels like a weird choice for my daily stuff. if i can afford to pay the cc bill on time surely i can budget everything so that i can buy them with my own money?

>>52921024
>credit card on goyslop
Shit thread that promotes the Jewish trick of high APR loans by using a piece of plastic

>>52922708
Wells Fargo Active cash is the same. 2% on everything, no fees.

Costco Citi card because I am a costco whore, it lets me reach my full potential as a yuppie
Well Fargo Propel Amex, its 3% on a bunch of stuff as well as 10% deals for certain vendors
thinking to upgrade to Amex Plat when my yearly cashback would justify the fee. Might do it in a year or two

>>52928922
just treat it like a depot, you are not mindless cattle goy, are you?

I have 7 cards, they all get used at different times for different things

Citi Double Cash
Citi Custom Cash
CapitalOne Savor
CapitalOne Quicksilver
Chase Freedom
Chase Freedom Unlimited
Discover

>>52928922
>imagine ever NOT paying your card(s) off in full every month

card balances are for morons and suckers

What would be the fastest and most effective way to get a credit score from 550 to a normal score? I already got a secured card (they wanted all $200 lol) and I already implored some basic buying strats but is there a secret that I could be missing? I want to get my credit out of the gutter as quickly as possible I regret being a nigger with it.
When would be a good time to close the secured card?
Could I tell them to keep the deposit money for some goodboi points?

>>52929109
there is no quick option to rocket your way to a good score, the key ingredient is time

just pay your stuff off on time, the old stuff dragging your score down will gradually fall off

>>52927882
you don't pay using the nfc on your smartwatch? everyone has a smartwatch. every nigger has a smartwatch. use your head

>>52928402
>rent is $250 a week
you sound retarded. and so are americans in general, thinking of rent/week and not /month. wtf is wrong with you

>>52929235
places like england and australia charge weekly I think.
american here but idk anon, i don't make the rules.

>>52929239
so is pay/year but no mention of taxes, americans are poor as fuck
>t. eastern euro

>>52929109
There is no mathematical formula. It's all Jewish trickery. You could theoretically pay off a loan and have your score drop. Your score could also drop if you don't have a mortgage at some point. It's all bullshit.

>>52929217
i don't have and don't want anything smart. only my smart free nokia which i will keep using as long as it can connect to the network

>>52929109

I have had my secured card for almost 2 months. All they have done is report my address to the credit jews. I still don't have a score. Hoping it doesn't take to long to build up like WTF. Shoud've built this shit sooner.

Planning on doing a secured loan eventually as well if that makes any difference.

Hello anons. I am 25, highschool dropout autist taking an interest in becoming financially aware. Having spent much time and effort so far in introducing myself to these topics, I'd like to ask people here what they would recommend to someone uninitiated, but eager and more than willing (glad) to put in the effort to educate themselves. I'm currently reading ''I Will Teach You to Be Rich,'' by Ramit Sethi. Funny name, but it reads like an earnest effort to introduce people at large to living well at any income, following certain principles. What do you recommend?

>>52929452
watch "The Plain Bagel" and "Economics Explained" on youtube

>>52921024
Credit is for fools, pic all the benefits of a platinum card without the rape.

>>52929467
>debit cards
enjoy getting buttfucked if/when someone makes an un-authorized purchase

>>52927012
KEK

>>52929452
>Download Fidelity app
>Open 4 accounts
>Brokerage
>3 money management accounts
>Organize
>You will receive a debit card for all 3 cash management accounts
>Account 1: where you direct deposit your money into, this card should stay at home, and not come with you
Account 2: Your spending account, when you go to the store you move money from account 1 into account 2 instantly
>Account 3: Dedicated bill pay account, you direct all subscription services and bills to this account, it allows you to have a dedicated overview of your expenditures without being flooded by all the other bullshit you spend every day, which is dedicated to account 2
>Set up regular transfers from account 1 into the brokerage account so you are constantly investing more money each week
>Set up text notifications for spending, keeps you mentally aware of money you are losing
>Connect all credit cards to so you can have an overview of your financial situation all in one place
>Set up credit card payments to billpay, as you make purchases, move money into the billpay account, and when it goes to make the payment automatically, it always goes through and there's never any surprises
>And for the future Fidelity offers every possible investment service under the sun.

I'm sure for euros there's financial services like fidelity so any of them work that's just who I use but yeah I think it's a good strat any opinions welcome

>>52929474
Police report it and the bank refunds, card control with geolocation, using cash for all physical petty purchases, not being retarded.
Problem solved.

>>52921024
coinbase card because gemini is going down next. I wanted their 10% APY cc but I'm pretty sure it's done and over for them. Never really liked the Winklevoss twins that much anyway, seemed like race-traitors.

>>52929452
Fellow 25 year old h.s drop out. Get your G.E.D or H.S.E

srs.

>>52929576
Fairly similar to what I do. Actually just opened another account. Got like 7 with my bank actually. Invaluable to truly being a moneymogger.

>>52921024
>think that I have to "build credit"
>get a credit card for daily expenses and always pay it off to never get charged interest
>go apply for a home loan a few years later
>"actually we consider your credit card a loan even though there's nothing owing and we don't give a fuck about it anyway"
Fuck banks, fuck credit cards.

>>52921024
Nobody will give me one and no fucking way am I paying 30% interest.

>>52930422
You don't pay interest if you use it properly
You never carry a balance, as you spend money on your credit card you set aside that amount. So when it comes time to pay the bill you just full pay it.

Binance, Crypto.com, Revolut

>>52921024
I only pay with physical money anon.

>>52926909
seek professional help immediately