/biz/ - Business & Finance

>>54332148
no

How come Amex gold is such a pussy magnet?

>>54332154
i use amex purely to spite businesses i don't like with their high merchant fees. the pajeet at my liquor store always seethes and says i must pay in cash next time when i pull out the amex

>>54332148
I don’t really churn but pic related is a my daily driver. It’s 6% on “grocery stores” but the thing is AMEX considers Walmart and Fred Meyer to be grocery stores and you can buy everything you need there.

I kind of want to apply for a Platinum card for shits and giggles and to flex on poors but this feels retarded to me as well.

>>54332195
they keep sending me invitations for this one but the $95 annual fee and the $6k cap on 6% kind of turn me off of it.

>>54332213
I only spend like $10k a year anyways so I guess that doesn’t bother me too much it’s still 1% after that and 3% on gas

>>54332213
because it’s a scam card to exploit poors and wannabes you need some kind of credit line to be able to get access to any kind of good loans in your life but ideally you should pay for it all yourself

>>54332148
I had like 30k in credit card debt, and defaulted on all that shit in 2016.

>sued 3 times
>settled small claims for 40% of balance
>settled like 80% on capital one. fuck capital one. the worst company to deal with

>I sued 2 times.
>I won 2 times.
>cleared debt

2023 still have shit on my credit report. I am a retard and it's my fault. you can remove stuff from your report. the companies that do this mostly are shit.

I didn't have much of a choice. DON"T declare bankruptcy for credit card debt. it's not worth it.

I would have bought a 50k house in 2018 if my credit report wasn't fucked, or a warehouse in 2021. missing those small windows of opportunity really fucked my ass.

>>54332244
i’d just leave the country and get a job somewhere else with first world social services for my wife and children and retire

>>54332242
you get cash back and points and shit from credit cards and all you have to do is just pay off your statement balance and you pay no interest. plus it's much easier to dispute payments and fraudulent activity on a credit card than a bank. there's no reason to not use them if you're not a nigger who can pay the balance off.

>>54332270
>cash back
>points

i’d rather have that backed by government fella

>>54332242
I don’t carry a balance you fucking retard

the best loan deals you can get are with government

tl;dr fuck private health insurance and credit mongering

>>54332289
what does this even mean lol

>>54332319
i bet you feel like you profit with jews too

>>54332151
Amex sent me one to my bank, did not pick it up
This was in 2008
Its not that useful in Yurop, at least then it was not useful. All the payback in expensive stores barely covers the membership. Makes no sense

>>54332354
so if i have a card that gives me 5% back on my groceries, and i pay the balance off every month so that i never pay any interest, how am i not profiting?

>>54332244
I’ve seen you here before Warehouse Anon

>>54332397
touch grass

Amex BCP
Chase sapphire
Target redcard
Amazon prime card
Those are all I'll ever need

>>54332447
citi custom cash works out better long term for groceries than the BCP if you use it solely for groceries. otherwise you can use it as a 5% gas card.

Yall just need to move to California and steal like they do.

>>54332495
Amex had a $400 promo for the bcp when I signed up, so that put it over the edge for me. If citi custom cash was a visa, I might get it, but I get 90% of my gas at costco. Forgot to list my costco card

>>54332430
??? just pay off the balance
>captcha joo

>>54332495
Interested. What’s the fee?

>>54332820
$0 and the categories remain the same and are for actually useful shit like groceries, gas, dining, etc. honestly it's probably the best card on the entire market right now barring a few niche ones locked behind credit unions

Credit cards are a rabbit hole you don't want to go down. I used to have almost 20k credit card debt. Dave Ramsey sorted me out thankfully. You don't make money doing these things. The banks did the math. You will always come out behind. Don't go into debt to buy stuff.

I only buy Jew and cards

>>54333819
Just don’t pay interest and take advantage of the rewards. They only they win is by your own lack of discipline.

>>54332148
No evidence that Jews are the devil

Ok biz here goes. Been thinking about debtmaxxing & declaring bankruptcy. Labor fag. Have about 30k saved , about 30k available in current credit cards that hover around 10% use. No debt. 750 credit score. Own 2 bedroom townhouse from non Jewish loan from my parents, payed off. Rent townhouse live elsewhere basically rent free. Make about 60k a year, live extremely frugal. Been thinking about getting as many credit cards as I can, maybe a loan or two as well, maxing them all out and running off with the bags and declaring bankruptcy. Figuring I might do this while I'm still semi youngish and have time to recover from bankruptcy. Bad idea? Tips? Should I maybe get a real mortgage on another property and pay off for a little bit first? Anyone here been through bankruptcy not on purpose because your shiy at managing?

>>54332169
What does it do? Like how does it effect them and why don’t they like it

I have a Sofie Credit Card, everything for 3% cash back. Chase freedom flex for 5% on bonus categories, Amazon prime card for Amazon purchases, looking for a third one so I can have a wider range of credit and increase my credit score

Amazon Prime Card
Amex Plat
Amex Hilton (the $95 one i forget the name)
United Explorer
Chase Freedom
Chase Freedom Unlimited
Chase Saphire (no fee)

>>54333962
Wait how did you get chase sapphire with no fee?

>>54332148
Chase and Amex both have me blacklisted due to bankruptcy in 2011. Ohh well, I took them for 45k and 77k each

>>54334017
you call them and tell them you're not paying the fee and you want them to downgrade you to the no fee saphire
i just did it because i'd already gotten the bonus, had no intention of using the card again, and wanted to keep the unused credit on my file

>>54333906
you are at least a year too late, crash and reset next week

>>54333924
credit cards charge the merchants a fee when you use it. I think it's like 2% or so for most but amex is 4 or 5 %. I remember costco stopped accepting them years ago because of it.

Got my first credit card recently actually
Applied for three
Bilt (denied)
Discover it (denied LOL)
Quicksilver (accepted, only $500 limit LMAO)
Any tips on getting from here to getting a house as quick as possible?
Is it doable in 12 months?

>>54333906
Do it, though it would be easier if you had no assets. Also, you can make off with more than 30k. Apply for basically every card you can before doing it, 60k should be easy.

Amex plat delta
Chase Sapphire reserve
$300 travel credit on the reserve is nice since im a city fag and take ubers and whatnot, with rewards points it pretty much breaks even on the fee. desu i dont use the benefits on these cards i have like $3k worth of points that i havent touched. delta plat sinply because i only fly delta and use points to upgrade comfort plus

BILT IS FUCKING GARBAGE I GOT ANOTHER FRAUD CHARGE

>>54334024
Based. Tell us about it so that we may follow in your footsteps.

>>54334024
Please elaborate anon. What was the process like , pitfalls to watch out for? How did you go about it?

>>54333819

The poor (read: retards) pay for my CC rewards since I never carry a balance. Feels good, man.

>>54334090
Kool that's why you stopped paying your bills /mortgage/credit cards etc because it doesn't matter anyway right?

>>54333906

You do realize a bankruptcy court is going to seize your estate and force you to sell any rentals or other properties that aren't your primary residence, right? They don't just wipe out debt if you have the assets and means to pay your creditors back.

>>54334807
It is my "primary" as far as gooberment is gonserned. Don't have much else other than two vehicles. Everything else I have could be hid with family. This is why I'm asking questions I seem to be an okay position to do this. Was thinking that as well do it get it over with then have the means to put a very large down payment and buy a second property borrowing the rest from my folks. Just concerned about taking a whole another decade to rebuild credit before getting an actual real mortgage.

>one card
>3% cashback on literally everything, deposited directly into my brokerage account
>no annual fee, no limits for spending, $150 sign up bonus
Keep it simple anons

>>54334866

So your plan is to commit perjury and lie to a bankruptcy court about your assets? Good luck with that I guess.

>>54334928
Illuminati card

>>54334807
He could always sign his assets over to his parents name if he trusts them. Or set up his assets it some kind of shell company.

However the banks aint stupid and the investigators would definetly notice such a move and you might find yourself serving time for fraud

>>54334866
>>54334988

As I said, you could sign over all your assets to your parents/family if you trut them, but this move could warrant fraud charges. You would need to consult a lawyer for this.

>>54332244
Lol debtard. They never learn.

>>54334988

Yeah and like you said that's fraud, not a loophole. No different than if a guy did this during a divorce for example to try to avoid splitting marital assets. Court will fuck you hard if they find out, and chances are they will.

>>54334954
Honestly no they wouldn't really care about anything I actually have like I said I own a townhouse two vehicles other than that... What my tv? Muh bed? I would assume that 95% + of everyone that's ever declared bankruptcy in some way shape or form has been committing, muh perjury.

>>54332148
Binance crypto debit card and a huge portfolio of shitcoins is all i need

As far as my example is concerned my main asset would be my permanent residence and my main vehicle. They cannot take those correct? And yes obviously I would hide the bags the purpose of doing it in order to restart even harder once the dust settles. Am I missing something? I would liquidate everything other than my main address and my main vehicle before doing this, duh

I have never had a credit card and never will, the 'rewards' in my country are completely worthless

>>54334928
>3%
page says 2%, what's the catch?

>>54332148
lmao if you arent just maxing out a shit ton of credit cards then leaving the country you arent living right.

>>54335175
my shitcoins are the only thing i carry with me in my red trail of debt ill never acknowledge. what you flipping son?

>>54334928
>>54333939
why both of you tards are saying that it's 3% when they're both 2%?

>>54335175
shitcoins on binance or is the card now compatible with your metamask?

>>54335229
zKSync and ETH plays. Stay away from BSC, it's dead.
Some of my current bags
- zKpad
- SPaw
- ZeVoid
- Bug
>>54335309
You still gotta rotate anon. Hold for a few days to a week, sell, rotate 2/3 of profits to Binance.

>>54335275
Sofi does 3% for the first year if you do direct deposit with them

Wells Fargo - 2% on all purchs
Discover - 5% on rotating categories
Chase - 3% on restaurants

have never paid interest because I never spend more than I have in cash. people who hate credit cards are just retards who pay interest.

Took out a few 0% intro APR, ran them up and then put the money in BlockFi & Gemini Earn. 0% APRs ran out in beginning of 2022, withdrew everything and paid them off in time. Dodged a huge bullet missing the whole SBF debacle. had it happened a little earlier I would have been fucked.

>>54335353
additional percent up to $12k is $120
it's literally worse than sign up rewards on some cards, but tards say "oooooh it's a 3% card"

>>54335328
>
hell yeah another fellow delusional zvoid bag holder, i swear on of these days theykk actually have a pupose

>>54332151
Back to /pol/

>>54332148
Picrel is the best but you literally need a 1000 FICO score to get it

Is there a way to get accepted for a new credit card when you have too many cards? Almost everytime i apply i get rejected it's been a few months i think since my last one.

Or should I just keep waiting

>>54335450
i don't remember exactly what the SUB was when I got mine but the 3% is in addition to whatever intro offer the card has

>>54335680
it has no intro bonus and there's plenty of other cards on the market right now with flat 2%. wells fargo active cash has a $200 bonus but if you just care about the 2% the paypal and sofi cards are both 2% that don't do hard inquiries if you get denied

>>54335157
>>54335185
Bro what the fuck, your townhouse and vehicles are the first things they would take away. Next they would freeze your bank accounts and take whatever they can from it. If you are employed or have some kind of income they can get a court order so that the bigger part of your paycheck goes directly to their pocket. Next they will take anything valueable in your possession - items, art, jewelry, etc

>>54335711
How many do you have?
I just started about a year ago
I have a discover it with a $2500 limit
And a capital one with $1000 limit
746 credit score
I read somewhere that having around 10-11 cards is good

>>54333819
Pay the whole thing off before the due date every month and you're fine. If you spend beyond your means you're either stupid or you should have a very good reason for it.

The real redpill is that credit card companies have increased the cost of everything purchasable through CCs because stores pass the transaction fee onto the consumer. Some mom and pop stores still only deal in cash for this reason (and probably to cheat on taxes I guess) but they're few and far between as everyone loves the convenience of not having to carry cash.

>>54335213
>>54335275
If you dont know youre poor

Why is it so easy to get a credit card but so hard to get a fucking personal loan. Almost like they want you to be in debt instead of having money.

>>54336086
i think i have 10 atm. i mostly have them for credit churning. i only actually use like 3 of them

>>54336391
For the most part credit cards can't be used for drugs, whores, illegal gambling, and running off to a foreign country with a free, untraceable pile of cash.

>>54334928
I just looked it up, it says that are only offering 2%

>>54336611
im no einstein but it cant be that difficult to turn credit card credit into cash. Basically if you know anyone who owns a business they can do that transaction for you.

>>54332148
>Applying for
Citi custom cash 5% on your top spending category every month, $200 sign up bonus
Wells Fargo active cash, 2% on everything and $200 sign up bonus
Navy Federal Amex Max Rewards 3% gas, groceries, and dining (perfect family expenses card)
Citi Rewards+ Rounds up every transaction to the next $10. So a $1.25 item at dollar tree? $10 transaction. $91.00 phone bill considered a $100 transaction and so on. 10% of yearly redeemed points get refunded annually. This bad boy is a monster for sub $5 day to day purchases

>>54336014
Your telling me that when a normies declares bankruptcy they take the house they live in and the car they drive? You could be right but I doubt it.

>>54336653
>For the most part
Also cc cash out is a fraction of the total limit. My $20k BoA only has $3500 cash advance limit. Any business using fraudulent transactions to help you liquidate would be taking huge risk/liability. I doubt anyone would be stupid enough to risk jail and livelihood to help some degenerate get drug money.

>>54336653
>>54336810
Use card to buy crypto
Sell crypto for fiat
Use fiat for gold and stuff
Easy

Using my points to fund a trip in San Diego rn. Wrapping up a bonus on a usbank altitude reserve. Gonna hit the bonus on an amex platinum by over paying taxes which also enables me to cash out 60k points from a bank bonus I did. Very nice.

>bought Rent-A-Girlfriend collector's bluray
>use some of the money back from based Prime card so it was basically tax free
feels good, friends

>>54336732

Anon you literally said earlier that you rent the townhouse and it's not your primary residence. Unless you move into it and make your primary residence, it's fair game.

And for the car some of it may be protected, depends on the state. Some allow you to file for an exemption that protects $2500 of its value, some have higher limits like $7500. So if it's worth $20k, that means you're selling it and buying a $7.5k clunker to replace it.

I don't know why anons seem to think personal bankruptcy is a get out of jail free card. You need to prove true hardship and inability to pay in order for debt to just be wiped away. If you have income, assets, and the ability to pay, the court is just going to get you on a payment plan with your creditors or sell your shit to help make them whole. You can't just file some documents and get out of paying what you owe, it's not that simple.

>>54332148
>Churning
First determine what bills can be paid with a CC with no penalty. Me personally it's: gym membership, cell phone, pest control svc, car insurance, internet, and Netflix. careful with rent and utility payments as sometimes processors charge 5% which negates any gains. My water utility charges a flat $2.50 for cc payments, so I can use a 2% rewards card if the bill is over $140. I then assign the highest credit limit cards with the crappiest rewards to autopay one bill each. This keeps them active and it's important since higher limit cards help to build up overall credit. Next select your 'team' of cards to be used for daily expenditures. You should have some that address your highest spending habits. I have a family so I spend unholy amounts on gas and groceries. I use navy fed Amex Max Rewards to get 3% on all that. I use citi custom cash for any big non gas or grocery expense I have that month to get 5% back, and I use Wells Fargo active cash for everything else.
Extremely comfy desu senpai

>>54332148
https://www.youtube.com/watch?v=oD2gXY4piF4

>>54335784
What I like about citi's double cash is it's the only cc that credits me the very second I make a payment on it. No waiting for the following day or next bank day. Plus once I was out of gas and every other cc I had that was maxxed out was denied. I was over on my double cash card and it still accepted a $40 gas charge

>>54332148
For Aus/bros/ we have shit options for churning, but the best one is Citibank's Prestige card. $10k min spend over 3 months that can be achieved by using their bank transferring process called PayAll (which is fee free if setup prior to October). Nets you 300k points which can be transferred onto airline miles, gift cards, etc.

>>54332419
yeah, you probably have.

>>54335063
>They never learn.

oh, I learned a lot. I would have had my credit report cleaned up in 2019 if I wasn't a sloven retard. there is more upside than downside when it comes to telling credit card banks to eat shit. and by eat shit, I mean defaulting and ignoring them. I was able to finance a new car in 2019.

having a shit credit report is bad for

>home loans
>business loans,
>some apartments

if you actually get your credit reports and send in disputes most people are able to clear that shit off in less than a year.

>>54333906
>declare bankruptcy

DO NOT DECLARE BANKRUPTCY for Credit card debt

the statute of limitation in most states is only 6 years. some states it's even less.

just default and ignore them. only 1 in 5 will bother to sue you most likely. and even if you are sued they will still allow you to default for less than the balance. most companies break several collection laws that are $2,500 per violation. learn the laws and document everything. go to creditboards(dot)c o m.

do not default on everything at once. you give debt buyers a chance to consolidate all the debt, and you make it worthwhile for them to actually pursue you. CC isn't gonna give a fuck over $2500. they will give a fuck when they can consolidate 4 cards into 10k.

anyone here have picrel?
How do I get invited to get one of these?
My dad got invited like a decade ago but he didn't think the benefits were worth $5k a year or whatever it used to be.
I spend about $25k a month. Is that enough for a centurion invite or no?

>>54335213
Need to have $250k in managed assets

I'd like to get started and understand how the cc game works.
Is there any quality guide/video out there that explains cc in a digestible way? No, not sam hyde videos.

>>54332148
55k credit limit between cards and LOCs. 0 on the balance 843 credit score from the soft checks. Keeps going up I dunno

>>54337197
Thank you for paying for my rewards. Also get your shit together

my dad does manufactured spending. i think his method is as follows:
>every week go to local grocery store or whatever big box store has a special (Lowes, Staples etc) and buy a shit ton of gift certificates. each store usually has a $2k max and he'll go to 2 or 3 weekly
>sell the giftcards to online brokers for 99.5% of their value (so $5k in gift cards turns into $4975 + $5k in points + whatever other perks like gift cards, gas, free groceries, whatever the specials are)
>stay at the same hotels and fly on the same airlines whenever he travels for work
>use the points to pay for flights and hotels so he and my mom and my sister get free trips around the world multiple times per year

it seems to work pretty well for him. i don't know what cards he uses exactly but as i understand it he'll rotate them out in order to take advantage of bonus points and matching, sign-up bonuses etc

>>54338478
there are forums about it i think
it's a bit tricky because tactics have evolved, it seems like 10 years ago there were a lot of semi-shady ways to earn money on it but now the CC companies and points programs have gotten wise to them

>>54332148
I only have 2, I get cash back on both so I have my monthly bills go to them so I get something back and only have the one payment to deal with. Between the 2 cards I have a $20.5k limit but hardly use any of it. What would the benefits be of opening up more cards? I don't feel like I have much of a reason to, other than to churn.

>>54338520
You're welcome. That was over a year ago when i hit rock bottom in life. I should be out of debt about 19 months from now

To me cash back is the best since using travel partners is stressful and a huge waste of time. I currently have the best cash back set up, at least for my spending. It’s rather simple as well and I get 5% back most of the time and at least 3.281% on everything I buy.

1. BofA Custom Cash for 5.25% on gas
2. Another BofA Custom Cash for 5.25% on Online Shopping and 3.5% at Costco
3. BofA Premium rewards elite for 3.281% on everything and 4.375% on restaurants and general travel
4. Amex Blue Cash Preferred for effective 4.4% back on groceries ( yes it’s 6% technically but there is a 95$ annual fee and the cash back is capped at 6k). Yes I know the Citi Custom Cash would be better here but I hate Citi bank.
5. Chase Ink Cash for 5% on my phone and internet bill. Also gives 5% at office supply stores.

From here I may add the Bilt card if they add mortgage payments and also get more BofA custom cash cards for all the categories.

>>54339600
Now I realize this set up requires you to have at least $50k in assets with BofA/ Merrill (or $100k in my case) so it doesn’t make sense for everyone. So I will offer two other cash back set ups for those that don’t want to do this. First a no annual fee and second a high annual fee.

No annual fee-
1. PayPal Credit Card gives you 3% back on PayPal and 2% back on everything with no foreign transaction fee. To me this is the best 2% back card because of the no FTF and 3% on anything you buy with PayPal, making it almost a 3% on everything card.
2. Wells Fargo Autograph gives 3% on many categories all with no foreign transaction fee. I believe transit, gas, restaurants, cell phone plan, travel and some other stuff. Very broad categories.
3. Amex blue cash preferred for 6% on groceries and streaming services. Yes this card has a 95$ annual fee, but you can downgrade to the no annual fee version any time and that one gets only 3%. So there’s no reason to not pay the 95$ and just get an effective 4.4%. If you shop at Whole Foods exclusively you may consider using the Chase Amazon Prime card instead here
4. Citi Custom Cash for whatever category you spend the most on that hasn’t been covered for 5% on everything

From here you can go crazy if you want and add the Chase Freedom Flex, Discover IT, and store branded cards to get more 5% back. It depends on how crazy you wanna get and if you can manage so many cards.

High annual fee-
More benefits such as airport lounge access and various insurances.
1. Amex Platinum Charles Schwab edition. This card allows you to cash out MR points at 1.1 cents per point. Use this card for lounge access and to buy flights directly from the airline for 5.5% cash back
2. Amex Gold. Gives 4.4% back on groceries and restaurants
3. Amex Blue Business Plus gives 2.2% on everything up to 50k per year, then because 1.1%

>>54332447
this is a pretty comfy looking setup.

>>54337158
Wtf is this pic and why does it freak me out

>>54337421
>$25k
>a month
break down your budget anob

>americans have dick measuring competitions where they brag about how many different jews they serve

incredible, you'd think this was a /pol/ meme not real life

I have a stable of credit cards I don't use on a daily or even an occasional basis any more, Capital One, Chase and Bank of America Visa. Every year, sometimes multiple times a year, at least one of them gives me 0% on a balance transfer or cash advance for 12-15 months. Retention perk or some shit since sometimes, if you don't take them up on it for long enough, they waive the up front transaction fee too.

If I find myself with some money leftover in my monthly budget, assuming I'm already covered on IRA and 401k contributions I'll basically use these cards as a revolving credit facility to shore up on self-directed investments. And since its all cash and no escrow unlike a HELOC or other conventional loan, there's no restrictions on what I do with it.

For example. If I find myself with $120 leftover a month and a 15 month 0% period. I'll take an advance of $1800 and set up autopay to pay a portion of it back every month. That $1800 goes straight into self-directed investments; dividend paying stocks/etfs/mutuals, stable crypto yield farming, soon to be bonds if things keep trajecting the way they are. By the time the promo period is over my balance is zero'd out again and I still have the principal value of the investment plus 0-12%

If you're feeling really saucy, and you're not a forgetful retard, you can leverage yourself by reducing your monthly payment down towards the minimum monthly payment with the assumption you're going to pay off the entire balance in a lump sum as the promo period expires. This lets you take out a larger advance while fitting it into the same budget giving you a multiple on earned yield even though you only get to keep the same amount of principal at the end of it all. Just be sure wherever you're putting it is liquid enough at EOY. You can also use this technique to "catch up" with a low yield product you have kicking around like a 0.01% savings account by paying down the card from that and levering into a higher yield investment.

>>54337383
good tips anon

>>54336967
>Use card to buy crypto
Most of my traditional cards do not allow this, which is why crypto cards are preferable for this.

>>54341759
The problem with Crypto cards is not all of them are accepted universally, that's the problem with that.

my credit score was 750+ retard family put me in a psych ward, got depressed and raked up 13k credit card debt, was going to file for bankruptcy, started missing payments, then decided to back out and im paying my cc down now. how fucked am i?

>>54340377
but my CASH BACK REWARDS
if i just consume i can get 1% back CASH

>>54341796
I beg to differ some of them do have large covering an example is CryptMi card which is acceptable anywhere VISA cards are acceptable.

>>54340333
>Why does it freak me out?
Low t levels

> not using crypto debit cards topped up with USDC coming out of a mixer
Why would you let the banks control it when you can spend your gains by using an exchange's card where your infos are store in some shady little island state?

>>54341832
Why your family put you in the loony bin? Give us a green text anon.

The morsels of information you browse biz for are here. They're in this thread.

>spawn in bongerland
>get curve card, add all debit/credit cards, carry one card
>use any 0% cc for mid/long term purchases
>hold cash in 3%+ easy access savings account, always enough to fully clear 0% cc
>get uphold card for 4% cashback in XRP for short term/day to day spending, paid out every month
>get plutus card (uk equivalent of crypto dot com foward slash bubble)
>use curve "go back in time" to shift 0% cc spending to plutus card for 3% cashback in PLU every 90 days
>slowly accumulate shillings
we just don't get the same insane card rewards as burgerland, or rewards are paid out yearly. amex only worth it once every two years for big spending.

>>54332148
My Discover card charges a loan-shark tier interest rate. How do I get them to lower it?

>>54344536
Just apply for a new card, pretty much every card has a 0% interest rate for the first year you have it

>>54344536
don't carry a balance. if you truly need to borrow money take out a personal loan

>>54345252
if you do this just remember to pay it back before the 0% period ends because otherwise all of the interest you would have accrued during the intro period will be tacked on at once