/biz/ - Business & Finance

>>54977079
i dont get it

>>54977097
The Apple Credit Card is a credit card that is issued by Goldman Sachs in partnership with Apple Inc. Here's how it works:

1. Application: You can apply for the Apple Credit Card through the Wallet app on your iPhone. If you're approved, you'll receive a physical card in the mail.

2. Rewards: The Apple Credit Card offers rewards in the form of cashback, which can be redeemed for Apple products, gift cards, or statement credits. You earn 3% cashback on purchases made directly with Apple, including at Apple Stores, the App Store, and for Apple services like Apple Music and iCloud. You earn 2% cashback on purchases made using Apple Pay, and 1% cashback on purchases made with the physical card.

3. Fees: The Apple Credit Card has no annual fee, no foreign transaction fees, and no late payment fees. However, there are interest charges on balances that are not paid in full each month.

4. Security: The Apple Credit Card is designed to be secure. It does not have a card number, expiration date, or security code printed on it. Instead, these details are stored in the Wallet app on your iPhone. You can also use Face ID or Touch ID to authorize purchases.

5. Budgeting: The Apple Credit Card provides tools to help you manage your spending. The Wallet app categorizes your purchases and shows you how much you've spent in each category. You can also set spending limits and get alerts when you're approaching them.

Overall, the Apple Credit Card is designed to be simple, transparent, and user-friendly. It offers rewards for Apple purchases and uses innovative security features, making it a popular choice for Apple fans.

>>54977079
No thanks.

>>54977141
I assume it also rugpulls like every other banking product nowadays.

>>54977161
it's literally designed for people who like keeping their credit score high without having to autistically micromanage a million different amex cards

>>54977155
Based. Just got mine recently too!

>>54977167
While that's nice, I suppose, what I was talking about was the scheme collapsing.

>>54977301
I got the Delta one to be specific :)

I am waiting on getting the amex, currently have poverty capital one.

>>54977141
doesn't even mention the greatest feature of 4% yield. yikes.

>>54977674
Do you have to have the credit card to access that product? I thought anyone with Apple Pay could do it.

Not available in my country.
Simple as.

>>54977141
I have better credit cards than that

>>54977079
Because i credmaxxed all of my cards to invest int PEEPO

>>54977141
I get 2% cash back on my Wells Fargo card for everything and I don't buy any Apple cuck products.

>>54977079
>I GOT MY HECKIN' APPLE CARD
>5 REASONS WHY YOU SHOULD TOO

No sign up bonus is cringe. I only open credit cards to get the sign on bonus and then close them a year later if they have a fee

>>54977928
I get 3% on my Wells fargo card, you gotta upgrade

I have the Apple card, I don't use it though. I only put like 100k into the savings and forget about it. So far I'm vetting around $350 a month in interest. I had 300k into CIT and decided to take around 100k out in order to get below the 250k insured limit. The bulk of my wealth is in CDs and my 401k with the 401k being the only one that is taxable.

>>54977809
this

>>54977928
I have 2% as well, anyone know of a 3% cash back card? I can't seem to find one where its 3% for everything, its always limited to shit like dining, gas or groceries.

>>54978056
>>54978019
>paying for everyday things using credit
For someone with ‘so much money’ you sure are stupid as fuck. Do you ignore everything else that is shipped with the card like you know the 22% interest rates? Or do you only care about your shiny card?

>>54977079
>>54977141
>>54977167
Buy an ad, faggot. The only thing that matters for a credit card is rewards and 3% for iCuck products is a joke. Also get the fuck out of here with 'no fees', your interest on late payments can be as high as 26%. The industry average is around 20%. Clearly Apple is pissed off at retards getting loans from banks or phone companies to buy their cuck products but Apple can't get any of that sweet sweet interest, so they're hoping to bank on retards who can only make the minimum monthly payments. Which makes sense because their main customer base is retards with college debt.
>>54977981
Based deadbeat, beat the system at their own game.

>>54977981
>closing a no-fee credit card, ever
enjoy lowering your credit score, average account age, and available credit pool for no reason

>>54977155
>>54977301
Best to use them all situationally, also careful swiping the Gold as the plating can chip off

>>54977928
>t. enjoys google spying up his asshole

>>54978093
Wait can't you just pay off whatever balance is on your card and ignore the interests? Interests are only charge after a month, you can just pay off your balance before they are charged.

>>54978116
>enjoy lowering your credit score, average account age, and available credit pool for no reason
I honestly don't give a shit about my credit score, even if it goes down it comes right back up. Right now sitting at 807 and IDGAF,

>>54978117
You can’t do that you dumb fuck, they won’t let you.

>>54978131
sure that's cool but there's just really no good reason to ever close an account that you don't pay a fee on, and even if you pay a fee you can call them and do a product change to a card with no fee in most cases (the only issuer that has no free cards is Amex and if you have an Amex you can probably always afford the fee of the cheapest card)

>>54978106
I love it when sour grapes lagdroid users willingly give over their data to Google for free. Worse than jannies who do what they do for free, you actually pay for Google to spy on you. Amazing!

>>54978151
>calls other people dumb
>doesn't know how grace periods work

>>54978116
I said I never close ones with no fee. Just leave them open. My credit is pretty good although I'm basically pinging around the 760 range now. Good enough for me

>>54978151
I've recently closed a Chase Preferred which I opened just for the 80k(2022 promo offer, normally its 60k). I haven't paid interest charges once because on the same fucking day, whatever I used the card on I would instantly pay it off. No idea what the fuck you are going on about.

>>54978169
Most of the cards I cancelled has a fee, the most of which was Amex. Right now I cancelled everything but the Venture X which I might cancel next year, but so far its working out great for me. If there's a 3% on everything card I would drop the Venture X like it was dog turd.

>>54978193
jesus christ AI is gross

>>54978007
Which card is this?

>>54978201
Fair enough, you could just product change and avoid the close penalties. Like you could open a Sapphire Reserve and then downgrade to a Freedom. Just remember the 5/24 rule.

>>54978207

>>54978210
I kinda want to find out as well, so far I only see the same gas/groceries/dining for 3% and everything else is 1%.

>>54977981
>I’m a pedo who posts tranime and my credit score is shit
you’re actually proud of this lmao

>>54978193
>>54978204
Yea and doing that too much will lower your credit score you dumbfucks. That’s now how you use credit. The credit card companies will know you’re exploiting them and lower your score.

>>54977809
burgers never understand how easy they have it
it's literally impossible to be born in ameriburgia and not be a millionaire, unless you're an actual retard

>>54978355
oh no my score went from 809 to 805 when i opened a card

Whatever will I do

>>54978355
>I make the banking jews upset
This pleases me that I am upsetting some kike system set up to charge me interest up the ass.

>>54978241
>>54978210
Sofi has 3% on everything but you need a checking account with them. I have it and I dont mind it because I get 4.3% APY on savings

>>54978424
I'll look into them, are they are 'silicon valley bank?' So far I am happy with my CIT(4.75) and APPL(4.15) with my Venture X which pays me $5 a year to own while giving me 2% on everything.

>>54978405
>>54978379
Good luck getting a loan for your first home. Or do you poorfags enjoy renting for the rest of your lives?

/biz/ is gay as fuck these days. You literally have anons shilling goyslop credit cards in 2023. Of all the things these faggots chose to shill, they chose to shill a credit card.

>>54978093
That’s exactly the point you bubblegum brained retard.
You pay for your everyday expenses with credit cards(or everything if you’re smart) and pay the statement balance back each month.
Never roll balances, never pay interest, get cash back, and if you have good credit, sign on bonuses like $800 back on 4k spend in 3 months.

>>54978541
>>54978563
>2% off on purchases and utility payments
>getting sign up bonuses worth $800-$1600 dollars
Why does free money trigger you? You one of them cash only conspiracy types?

>>54978571
They wont let you do that you fucking retard. How many times do I need to sit here and explain this? Even if you can pay off your debts doing this a lot will lower your credit score. Also what’s the point of owning a credit card if you don’t use fucking CREDIT.

>>54978599
You’re a retard if you think your spending isn’t being tracked.

>>54977141
Seems okay if you love spending all your money on apple crap. AMEX bcp is better if you're looking for cash back

>>54978631
they literally do, and it doesnt lower your credit when you pay it. there's no logic behind of what you’re saying sweaty

>>54978210
he’s making it up
there’s a reason he’s only posted once in this thread

I'm not Indian

>>54978631
I literally work for a credit card company. I deal with the bureaus daily.
You’re an idiot.

>>54978291
All these buzzwords lmao. I'm not planning on taking out a loan anytime soon but even when I've applied I get favorable interest rates. Imagine shitposting on an anime forum over how good of a goy you are.

>>54979306
I own a home, trust me anything over 700 with no delinquents is good enough for a bank. The things they truly care about is your ability to pay the loan minimums every month. These banks make a shitload of money from you over the course of 30 years of course they would try to close the loan at what you deem is acceptable.

test

>>54977079
I pay in cash faggot, kill yourself you worthless piece of shit.

>>54977079
I have it, it is a good beginner card, no FTF, no AF, 1% non category spend, 2% Apple Pay spend

Chase ecosystem is the best, followed closely by AmEx. Those two trade places as the top dog every few years. Stay the fuck away from Shitty Bank, Crapital One, and Hell's Cargo. US Bank and BOFA are both good if you only want cash back but can't offer near the travel rewards
etc.

Chase Ink Cash gives you 5x on everything via gift cards from Staples (and Staples.com) or OD/OM. Also 5x on wireless/internet/cable/phone/streaming. Utilization also doesn't appear on your personal credit report and Chase will approve you for the card with a $3000+ limit as a sole prop with 0 income or spending. It's the best no annual fee card on the market today, everyone should get it.

>>54979909
Without using buzzwords explain why Chase is the best. I just cancelled my Chase Preferred, the bonus is nice but the rest of the crap its nothing I can get with a free card.

>>54980218
He is team travel, so he is factoring in the Chase Sapphire Reserve, its 50% redemption bonus towards travel and valuing the points at 2 cents per point minimum.

If you're team cash back then chase is pretty average

>>54980250
Yea one of the reason I cancelled my Chase Preferred and never bother with the Reserve was because the 1.5% cashback on their travel portal is negated when they charge around 30-50% more for the same plane tickets. At least on the Capital One portal they price match sites that are supported by Google Flights. For team cashback I think the best over all is Discover, its free and you regularly get 5% off if you use Paypal.

>>54980285
Anything other than cash back at statement time is a jew scheme to steal your money

>still uses credit cards during inflationary periods
fucking retard

>>54977079
Imagine willingly giving Jews your money and personal information.

>>54980218
Long story short it's because the min. redemption value of Chase UR is 1 cent per point and the AmEx MR is 0.6 cent per point.

The Chase setup has significantly lower annual fees as well.

>>54980250
The Freedom Flex and Ink Cash are still great in any cashback setup. Ink Cash letting you use Pay Yourself Back for 1.1 cents per point for effective 5.5% cash back on wireless/internet/phone/streaming.

>>54977079
not available in krautland

>>54980834
Yes but those bills aren't really my heavy spend, Citi for example gives me 5% back on say gas using the custom cash, and with my rewards+ pooled with it, its 10% redemption bonus turns that into an effective 5.5% back
As far as I am aware the Pay Yourself Back isn't a permanent thing so I am hesitant to go for a combo based on it, I do intend to get a freedom flex though. I was going to get the US Bank Cash+ for Utilities and Internet. my phone bill is $25/month so idm settling for non-optimal cash back with that

>>54980834
TBQH I probably don't dine out, travel, stream or order online groceries enough to make owning this thing worth it. The way I spend my points is just transferring them to an airline anyways. So to me Venture X and Discover is still probably the best combo.

>>54978093
>calls everyone stupid.
>let's their balance roll over.

>>54980970
Make sure you wait to get the Flex until the $200 + 5% Grocery year offer comes back around.

Cash+ is great for utilities and wireless etc. Wish I had one.

Consider the PayPal MC for 3% cash back on PayPal bill pay and other purchases. Gives you 1.2% cash back filing taxes online. 2% everything else. Very strong card.

AmEx BCP is also terrific for cashback

>>54978116
>Get approved for AMEX Platinum
>Get a ~$10K raise
>Apply for Chase Sapphire Reserve
>Get denied
I'm still mad three years later

>>54981014
The trick with the CSP is to use the the store app (Kroger Pay etc). Codes as online even if you are in store. Congrats on avoiding lifestyle creep like going out to eat a ton or paying for consumer media.

>>54977079
>having a credit card at all
You don't have to suck dick for a living if you don't want to

>>54978541
>Good luck getting a loan for your first home

Imagine thinking you can own a home
Imagine thinking housing will be affordable
You're a funny guy
Despite all the memes and what not renting is far superior if you're a bachelor
Easy location and money freedom realistically speaking.
Bruh muh generational wealth
Oh no maybe in 10 years I'll make a 50% return on this house

>>54977079
Already did, I was early. Already got it maxed out paid it off in full to increase my limit. And now it's maxxed out and I ain't paying it. Fucking fucks wont stop calling me.

>>54981146
Yea I just stopped after the "tip 15% minimum" bullshit. Even if I get shit to go I'd still have to pay tip. I'm not giving some nigress at Starbuck 15% fucking tip after she spent over a minute on the phone instead of taking my order. Shit motivated me to buy a Keurig, now I kinda want to brew my own expresso but damn I didn't know expresso machines are this expensive.

>>54981226
I'm the guy he was replying to, I already own a home. In a pretty good area(ie no niggers/spics) in California. I probably won't have to worry about a home loan ever again seeing that when I retire and sell this home I can buy 2 mansions in Houston for the price of this home.

>>54981266
>Even if I get shit to go I'd still have to pay tip. I'm not giving some nigress at Starbuck 15% fucking tip after she spent over a minute on the phone instead of taking my order.
I always tip 0. Unless it's a guy who just does a bit extra for you I'll always tip them well because they end up putting extra shit in my food and are respectful, so everytime I go, I would get my money's worth in extra stuff.

>>54981294
Oh congrats man, personally as a zoomer I don't see the need to get a home, astheir expensive an expensive liability, pretty much lock you down. I guess it makes sense as an older fella to have a home though

>>54981266
Just drink instant coffee faggot.

>>54981354
Thanks anon, yea it is a liability even if I paid off my loan I still have to pay all sorts of bullshit in a form of monthly escrow(property tax alone is $15k/yr). I'm planning to sell this home though and moving to Texas, fuck California.

>>54978056
The Bank of America card. Just put $100k into a trade account & you get 2.75% cash back plus discount on loan originations airport lounge etc pretty op just to go park some QQQ.

>>54981531
I mean, I already get 2% and airport lounges from my venture x. For savings I am already getting 4.15% and 4.9% from Apple/CIT.

>>54978232
What was used to make this?

>>54981531
Which card is that? I have 100k to park and I'd like 2.75% cash back.