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/biz/ - Business & Finance

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1699 No.1699[DELETED]  [Reply] [Original]

Alright let's try this.

What cards do you currently have? Any bonuses?

Any new cards with with sign up incentives you want to share?

That along with things such as manufactured spending and jewing the jews general

>> No.1762

>>1699
>owning a credit card
>not just having 20k saved up for emergencies

>> No.1804

>>1762
>doesn't have a cc

pls

why are you even here

>> No.1839

i have a secure card with a $300 limit ;_;

>> No.1855
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1855

>mfw my credit limit just got increased from £800 to £1300

Feels financially responsible man

>> No.1877

>credit cards
I WANT AMERICANS TO LEAVE

>> No.1903

>>1839
You'll make with bruh, I was in the exact position a year ago with a capital one secured card.

Apply for a non secured card in a year and start building your credit.

>> No.1924

got a few

rule number fucking one is to never spend more than you can afford, rule two is to pay off as much as you can each month. rule three is to talk to the bank if you can't make payments and work something out before you fuck yourself over. Coming clean when you've fucked up is a lot better than trying to lie/cheat or otherwise improvise your way out.

>> No.1947

Right now my two main ones are the Discover IT card and the Chase Slate card.

Fucking love my Discover.

>> No.1952

>>1699
My favorite is discover by far
1% cash back on everything
5% back on certain spending categories that changes every quarter
No annual fee
No foreign transaction fee
Puts FICO credit score on statement every month

>> No.1956
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1956

>tfw my parents have never had a credit card and i've never had a credit card

they seem 2 hard to deal with

>> No.1959

>>1877

why, is debit more popular in Europe?

also American credit cards don't have RFID tracking devices in them

>> No.1980

>>1959
>also American credit cards don't have RFID tracking devices in them
but you have tracking devices on everything else nigguh.
what's the difference?

>> No.1985

>>1699
>Using a credit card
>Its a Jew right, BUT YOU CAN CARRY IT AROUND IN YOUR POCKET
Seriously though, pre-paid cards if you absolutely HAVE to use anything credit card related.

>> No.1986

>>1855

>tfw no limit

feels oldfag

>> No.2013

>using the plastic jew
2014 get

>> No.2024

One of my main aims in life is to be able to get a Platinum Amex, not for any reason really other than knowing I have one. At least I'm on the right path by having a card already and making sure to pay it off in time.

>> No.2033

>>2013
almost anon, almost

>> No.2044

>>1985
>pre-paid cards
what is that? we don't have them over here.

>> No.2049

>>2013

>2013

>> No.2054

>>1980

>but you have tracking devices on everything else nigguh.

only on cellphones and newer model cars, both of which can be removed or otherwise circumvented (like having an RFID wallet made of mylar and duct tape)

>>1985

credit cards are good if you're in a squeeze, especially if you're on a trip or if you get sick

>> No.2071

>>1699
my first card wasn AMEX delta. i run a business which doesnt make shit for profit but i turn over about 10k/month which racks up a nice amount of miles

second card is an amazon one which gave me $30 in amazon credit upon signing up. i'd switch to using this for a bit if they would fucking give me more credit. you get points which you can spend on amazon.com or even withdraw directly as cash according to the fine print

>> No.2073

>>1985
>Not being responsible

>> No.2082

>>2024
It's $450 a year and anyone with above a 700 credit score can get it.

I had more issues getting the blue preferred than the amex platinum.

>> No.2084

>>1762
The two aren't mutually exclusive, genius.

>> No.2089

>>2044

fellow clapistani here

go into a CVS, Walmart, Safeway or K-Mart sometime in your life, they have racks of these things that people usually buy as easy christmas gifts

>> No.2115

>>2082
Honestly, I realise it's stupid, it's just one of my aims.

Also, I think there's more requirements for getting one in the UK, though I might be wrong.

>> No.2159

>>2089
what are the best pre-paid cards or debit cards? are debit cards worth it?

>> No.2166

what are some good secured credit cards? fucked up my credit history like a motherfucker, can't get a traditional card.

I just want one that will rape me gently instead of full force.

>> No.2210

>>2159
>are debit cards worth it?

Of course they are, since it's literally just a way to charge your current account.

>> No.2214

>>2166

Cap One Secured Mastercard

>> No.2258

>>1985
That's ridiculous. You don't get any benefits doing that. Might as well use a regular debit card.

>> No.2265

>>2159

when I was a kid my mother gave them to me instead of cash, because if I lost them she could call VISA and have them kill the cards and refund the money

anyway, I'd stick with general-use prepaid cards, like a $100 Visa (which you can reload online). I don't really like store credit cards (like for amazon or subway) because they are not refundable in cash. You can also get moneygram or a variety of pleb-tier cash cards, but the markup on them is higher than I like

>> No.2299

>>2089
you haven't actually explained what a pre paid is. what is it?

>> No.2300

>>2210

it's also a good way to drain your account if someone finds your card

not that it doesn't have it's uses, but debit cards are really insecure for daily use

>> No.2317

>>2159
Get a secured card.

Reasons why a credit card is better than a debit or prepaid card:


-sign up bonus
-buyer protection
-cashback bonus
-building credit


Really, unless you're extremely irresponsible and spend more what you have, there's no reason NOT to use a credit card.

You get money back for every purchase. YOU'RE in control if you get scammed and not at the mercy of the bank or vendor. All that and more at the cost of free.

>> No.2320

>>2300
That's why I'm careful. Never lost a card, touch wood.

>> No.2343

>>1985
prepaid cards jew you out the ass. it varies, but some cost $3 or more to refill, some cost $1 per transaction, cost money to add money, etc etc. prepaid cards are terrible. just get a "student" checking account with a big bank and its free. they don't need proof of being a student

>> No.2354

>>2299

it's a piece of plastic with a set amount of cash on it

basically you're buying $100 worth of cash on a card with just over $100 of cash money (because stores usually skim a few dollars for the transaction, plus sales tax)

>> No.2366

Here in Germany credit cards are not common at all. In fact I don't own a single one

>> No.2381

>>2366

Well duh, Jews wouldn't want to service you.

>> No.2391

>>1952

Wouldn't having your credit displayed on your bills mean that they are constantly checking it?

Isn't that potentially bad for your rating?

>> No.2405

>>1699
>amex blue preferred
>first credit card
>buy $4000 gaming rig
>stuck paying interest out the ass

Credit cards, not even once.

Enjoy being jewed.

>> No.2409

>>2366

really? what about debit

I'm always told Euros just do credit things with their phones, like you can get an app and pay for things in a store with it

>> No.2424

>>2391

No, it's a soft inquiry, has no impact on your credit.

>> No.2449

>>2299

useful tier:

http://usa.visa.com/personal/personal-cards/prepaid-cards/index.jsp

pleb tier:

https://www.walmartmoneycard.com/walmart

>> No.2463

>>2409
Euros don't use credit because they have a superior banking system not designed around getting people into debt.

Thus, Europeans rarely own credit cards.

>> No.2467

>>2405
>first credit card ever
>first purchase, $4,000

Credit cards aren't meant for people like you; they are meant for intelligent people.

>> No.2484

>>2405
>mafia
>first loan
>buy $40000 in dogecoin
>they took my kidney as interest


FUCK

PULL OUT

>> No.2489

>>2054
how new of cars?
how do we detect this?

>> No.2505

>>2405
this, enjoy being the slave to the jew man

>> No.2517

>>2405
You're a fucking idiot

>> No.2548

>>2024
>Not wanting a Centurion

>> No.2556

>>2463
As a clapistani, I will admit that Europe > America in banking in at least two respects:

Bank to bank money transfer is instant, free, and easy. Here in the US, you basically have to fill out forms, and let the banks associate the accounts with each other before you can transfer money; then it costs money to transfer; and it isn't always instant (especially for large amounts)

Y'alls cards are far more secure with the chip and pin and such.

That is it though. Because America doesn't have these things, it is cheaper to run a bank in the USA, so investors prefer to invest in American banks.

>> No.2562

I signed up for CapitalOne because it gave me a year of no-interest, and had no international fees, so I could use it when I travelled from the US to Europe for a few weeks.

Still paying it off, sadly :(

>> No.2575

What's the rarest or most exclusive CC out there?

>> No.2591

>>2505
If you are retarded then credit cards might not be for you.

Otherwise get a 1% cashback card and pay the balance in full every month. Use it for fuel or something.

Free money.

>> No.2600

>>2562
whats your balance?

>> No.2603

>>2556
>then it costs money to transfer

I've never seen that to be the case. At least with Bank of America and Wells Fargo, there's never been a cost to transfer money.

>> No.2613

>>2575
Palladium Card, maybe

>> No.2615

>>2585
Enjoy being a financially irresponsible fuckup.

>> No.2631

>>2585
>A discussion of money? OH GOD PREMADE BAIT!!!

>JEWSJEWSJEWSJEWSJEWS STUPID GOYIM HEHEHEHEEH

>> No.2638

>>2600
Down to about $6000 now. Paying it off about $1500-2k a month.

>> No.2667

>>2638
holllleeeee sheeeeit. my first credit card only had a limit of $300. what the fuck, son

>> No.2683

Capital One Quicksilver - $3000 limit - 1.5% on everything - $100 bonus after spending $500 in first 3 months.
Discover It - $5500 limit - 5% on rotating categories (Restaurants right now) - $75 bonus after spending $500 in first 3 months.

That's what I have right now. Been thinking about getting AMEX Blue Cash Everyday for gas and groceries.

>> No.2696

>>2667
I've got great credit. Both my credit cards have a limit of $15,000.

>> No.2738

>Poor fag
>Visa credit card - £470/500
>Mastercard - £350/400

P-paying them off soon.

>> No.2772

How do I improve my FICO score? I'm new to the "credit game" and I did one of those free FICO score reports, 717.

>> No.2780

Speaking about CCs, does anyone know how that one guy was able to live off of them for years? I think he still does it.

I mean, generally the idea sounds pretty simple, huge number of credit cards, then just transferring between them.
But it seems like there'd be some catch that prevented it that he has apparently gotten around or more people would have been doing it to the levels he was doing it.

>> No.2782
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2782

>>2696
I think you need to think about your finances differently.

>> No.2794

Got a discover it card I got at the start of this year.

I've had an amazon store card for a few years I used now and then, so my credit is around 700+, which is good for a slacker college student I suppose.

>> No.2827

>>2782
I don't think so. I contribute about $500/mo total to separate savings and retirement plans (and another $500 for my wife), in addition to a company-matched retirement 403b.

All of my spare money goes to paying off the credit card with the highest interest rate first, so according to the budget I've calculated, I've got a nice amount of spending money every month.

>> No.2855

>>2780
His credit report is fucked I bet. No bank will give him a loan to buy a house.

>> No.2866

I have a Chase Freedom Visa card. Decent benefits with 5% off of gas purchases for half of the year.

I also have a Delta American Express card. It got me $100 off of my first flight with Delta using it and gave me 25,000 miles if I spent $500 on it in the first three months. It also gets me section 1 boarding and my first bag checked for free.

Only downside is a $95 annual fee, but I might threaten to cancel it and see if they'll waive it.

>> No.2914

I have a Discover It card with a $2500 limit on it, it comes with 1% cash back and 1 of 4 other bonuses depending on the month, the best one is the one for October-December where you get 5% cashback on shit you buy online. I also have a shitty $300 limit Wellsfargo visa that used to be a secure card which I used to build my credit, I only use that for my cellphone bill because I get free $600 insurance on my phone by paying my bill on it.

>> No.2887

>>2780
Sure, your credit goes into the toilet. As >>2855
says, that guy will never get credit to buy any major assets, and if he owns anything significant, it'll almost certainly get repo'd.

Also, his debt will most likely be inherited by any life partners / children he has.

>> No.2911

>>2489

>how new of cars?

basically when cars started having CPU's embedded into them they got tracking devices. OnStar is a good example, and lot of low tier insurance companies give you a tracking device so they can see if you're a dangerous driver and charge you accordingly. Ever since 2000 or so most cars have had tracking devices, especially in ones with digital radios and GM cars with OnStar (who actually report your position to local police, as a feature). These CPUs are usually used to control the engine, and for dianostics (if you want to put up $200 for the tools to interface a computer with it). If your car is fairly new, look up where it's CPU interface is in the manual, a lot of times it's under the steering wheel.

Very recently, the FHTSA mandated that all cars be able to "talk" to each other via RFID, to prevent accidents. In Europe some people within the EU are pushing for kill switches in car that can be activated by police. The more parinoid of people beilive that Micheal Hastings was killed when his car was hacked by the NSA as well, but this is just speculation and heresay. That being said, a hacker or the government could have access to all your car's functions, including a microphone in a carphone, GPS location, and a visual feed if you have a backup camera.

In terms of removal you can just remove your radio and clip your antenna, on newer cars though you might have to dig into the CPU itself and clip any other antennas that the car might have


http://www.tomsguide.com/us/obdii-onboard-car-diagnostics-hack,review-1545.html


>polite sage for off-topic discussion

>> No.2931

>>2780

The catch is supposed to be the transfer fee but it sounds like he doesn't give a fuck.

>> No.2963

>>2887

> his debt will most likely be inherited by any life partners / children he has.

that's illegal though, at worst creditors will cutup his estate, but his children won't have to pay the debt

>> No.2970

is their any cards were i can just put my money on a card and use my own money to buy stuff? one that doesnt charge you a big fee. I need one to buy stuff online and gamble too. I remember watching some doc where some dude would rob credit info and put it in a new card.

>> No.2971

I've been looking to get a credit card but I have no idea where to start.

>> No.3020

>>1985
Prepard cards are a scam. If you're too stupid to be responsible with a credit card than use a debit card from your bank.

>> No.3021

>>2970
...a debit card?
It's literally just a card linked to your bank account. How can you not know about a debit card?

>> No.3022

>>2971

Start with a store card, or a secured credit card.

I started with the Amazon store card and built my way up.

>> No.3036

>>2970
secured, pre-paid, etc.

The first one will let you build your credit up if you are new to the whole thing. so whatever money you want to spend you'd have to put up front first

>> No.3051

>>2971
Just search credit card comparison, choose one for building credit.
buy your vidya or fuel with it and pay the bill in full every month.

>> No.3055

>>3022
Is the amazon card a good way to start?
The only purchases I make are small ones, as in most are under $10.

>> No.3069

>>3021
i dont want a card linked to my bank account or have my info.

>> No.3092

>>3051
>buy your vidya or fuel with it and pay the bill in full every month.
I don't play video games and I refuse to waste money on owning a car.

>> No.3114

Is there anyway to live without a credit card? What are the cons of doing so?

>> No.3130

>>3069
Then you probably have bigger problems in life to deal with.

>> No.3132

I started my credit history in November 2012, currently have a 703 FICO score, am I doing good /biz/?

>> No.3184

>>1699
>Credit card

If I can't afford something, I don't get it. There is one exception to this, and that's a house, for which a mortgage is pretty much needed.

>> No.3155

>>3051
>>3022
Also how do you pay the bill? Do they just take it out of your bank account or do you need to send money somewhere?

>> No.3165

>>3114
I only have a debit card

>> No.3199

>>3055

Nah, the "draw" of that card is interest free financing for bigger purchases, over $150. You'd be better off with a secured credit card.

>> No.3205

>>2911
shiiiit! was thinking of buying a new ford f150.

why do people let this happened? also with new cars coming out more tech advance its getting harder to fucking fix them yourself.

>> No.3207

>>3184
Credit Cards are for building credit and gettig rewards, yuropoor.

>> No.3208

>>1699
pnc

>no idea why I have it

>> No.3262
File: 67 KB, 184x184, 1392239487768.png [View same] [iqdb] [saucenao] [google]
3262

>>3199
>secured credit card
I don't even know how that differs from a normal credit card.
I rarely ever make purchases over $150 and if I do it's on used stuff...

>>3251
>>3241
Thanks much.

>> No.3263

>>3184
only idiots use their credit cards without having the money to pay it off.

Take advantage of benefits a CC gives you and only use it sparingly.

>> No.3226

Black Ritz-Carlton Visa

All you plastic card holders weep in my presents.

>> No.3241

>>3155
It arrives on paper at your doorstep, or via email. Then you can phone up and pay by debit card, pay cash at a bank, pay by online banking, qwrite a cheque...

You can choose how much to pay (provided it's above the minimum) that's sort of the point.

>> No.3251

>>3155

Generally you log on to the credit provider's website, add your bank account, and schedule payments that come out of your bank account.

>> No.3275

I don't have a card, I bank with chase.

What should I get to start building credit?

>> No.3283

>>2970
>cards were i can just put my money on a card and use my own money to buy stuff
Just get a debit card - it's like a credit card except you're just paying for shit direct from your bank account rather than putting it on the card for later payment. Anywhere that takes credit should take debit.

>>2971
It's just a matter of looking around at various providers. Pay attention to the rates they charge as well as the late fees (if you think you'll ever be late repaying).

Have you looked at what your existing bank can offer you? Protip: call them, tell them you're a customer shopping around for the best deal on a credit card. You'd like to stick with them, but you're not sure they're the best - can they offer you any good deals to help make that choice? If you're lucky they'll cut you a nice deal to keep your custom.

>> No.3287

>>3184
You bought your car with cash?

>> No.3288

So question, how important is building your credit and should I be doing that now? I have no interest in getting a credit card (since I'm only going to college and work on side sometimes) and I don't know if I'll be able to handle monthly payments right now anyway. But I feel like I should have one right because it's essential to have credit. I just don't know why and if I should.

>> No.3307

miles can you fuck off my thread

>> No.3323

>>3184
Shit son, build your own house.
Better yet, build a small house and save yourself fucktons of money by not having to heat a house that you mainly use like 30-40% of at most times.
Seriously, look up the tiny house movements on Youtube and such, it is becoming a considerably larger thing over the past 5 years.
So many people are downsizing and even building their own small homes.
It doesn't need to be some absolutely tiny cramped place, but something small like a typical outhouse, caravan or such without the caravan and more love and care, and actual house building materials, you can get a nice cosy little place on the cheap.

Better yet, win the lottery. Why aren't you lottery, are you one of those poor scrubs?
I wish I wasn't a poor scrub.

>> No.3326

>>3283
>Have you looked at what your existing bank can offer you?
Yeah, they want like $1 a month and you get "points". Fuck that.

>>3307
I'm trying to get an honest answer here.

>> No.3375

>>2054
farraday cage em servers, in case the company loses its ;data.

>> No.3338

>>3288
Better credit = lower APR (interest)
Higher chance of getting a loan in the future (car, mortgage)
Your bank treats you like royalty
Bitches love you

>> No.3339

>>3132
You're doing alright.

>> No.3368

I'm German and I used my credit card only once to pay for my phone since for some reason you couldn't do it by bank transfer.
Except of that I've never been in debt and I strongly believe the only reason credit cards exist is to give people the chance to become dependent on banks.

>> No.3369

>>2855
>No bank will give him a loan to buy a house.
You say that as if it's a bad thing.

Enjoy going into debt. No one should buy a house unless they have the immediate funds to pay it off.

>> No.3381

>>3283
i dont want to pay for shit direct from my bank account. i just want to put money into a card without a using a bank account.

>> No.3411

>>3288

Yes,start now. Age of credit history is a big factor in your overall credit score.

You don't need to rack up thousands with the card, just a small purchase (coke, gum, w/e) here or there. The credit guys just care if you pay on time. Not paying on time fucks you over good.

>> No.3412

>>3207
>>3263
This. I have a pathological fear and loathing of being in debt and even I can see the benefits of a CC.

>>3262
Addendum to those anons: you can sometimes set up automatic repayment of any debts run up on the card when it's due. I've got that running, and now I don't have to worry at all about my cc unless my bank account as a whole is running low. It'll depend who you're with.

>> No.3405

>>3205

>why do people let this happened?

because people wanted it

CPUs are used to make diagnostics easy and it makes engine management more efficient

later on people wanted carphones and the ability to call 911 from anywhere, as a result OnStar is now included in all GM vehicles, and you can pay extra for it in Fords

and clipping the antenna will stop any sort of broadcast 90% of the time, at lest in my experience

>also with new cars coming out more tech advance its getting harder to fucking fix them yourself.

Depends what make and model. 90s and early 2000s cars are shitboxes that are a pain in the ass to repair. Newer cars, especially after the 2008 bailouts are a lot easier to repair. It still requires a lot of know how but (especially on trucks and diesel engines) it's still usually easyish to do, even for an amateur. Not sure about electric cars though, but I'd reckon they'd be easier to fix because they don't have as many moving parts and you can buy replacement electrical things at any hardware store as opposed to a dedicated auto parts store.

once again, polite sage for off-topic discussion

>> No.3415

>>3369
This may work for cheap homes in murrica.

I would be like 50 by the time I had £100,000 cash for a house.

>> No.3421

I only have a debit card at the moment. I've never been interested in one before because I thought if I got one I'd just make stupid impulse buys that I can't afford.

However, I've recently decided that I should build up credit for big purchases like a car or house or something.

What kind of credit card should I get, and will switching from my debit card to credit card for everyday purchases I can afford help me build up credit? I never want to buy stuff I can't afford.

>> No.3427

>>1839
it's ok Anon. I have one with a 400 limit. All I put on it is my FFXIV subscription and pay it every month. Feels good man.

>> No.3481

>>3421
people will just keep asking this without reading the 50+ posts asking the same damn thing above them huh.

>> No.3488

I have an Amex Green and a Bank of America Cash rewards card.

I'm probably going to apply for a Chase Sapphire preferred soon.

The Amex is great for making yourself disciplined due to the rigid payment system

>> No.3489

>>3288
Nigga, start building your rating asap. Just use your card for some trivial purchases now and then, pay it down bang on time and you'll be set. All the benefits >>3338 mentioned. Especially the bitches.

>> No.3502

>>3338
>>3411

Okay, understood. What if you have no stable job though? How can pay if I got no income. Should I just wait till I have a job instead?

>> No.3528

>>3502
Yes. Wait til you have income. You probably wouldn't get a card without a job to be honest.

>> No.3537

Is it ever worth it to get store cards? Anytime I go to target or best buy or something they want me to sign up for their shit and I always decline because I already have a discover card.

>> No.3539

>>3502
You don't need a job to build credit.

>> No.3558

>>3502
Do you have student loans

>> No.3567

>>3502
Sooner is better. Maybe switch whatever purchases you do make to card? Even if it's just your ramen or whatever, a purchase is a purchase. If you have no money and are making no money then your credit rating is the least of your problems, of course.

>> No.3568

>>3537
Store cards are generally shit. Dont bother with them.

>> No.3580

>>3415

>needing $100,000 for a house

usually you only need about $10,000 for a downpayment, at the point of sale, and the rest is payed off monthly on a 30-year fixed mortgage. Of course stupid people take out $750,000 loans with variable rates and they get anal raped because of it

>> No.3611

>>3539

it helps a lot though, specifically with obtaining credit cards and loans

>> No.3597

>>3537

Meh, they're ok for larger purchases. Those financing deals are sweet if you're buying a television or something.

>> No.3602
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3602

First I must solicit your confidence in this transaction.This is by virtue of its nature as being utterly confidential and top secret. We are top officials of the Federal Government Contract Review Panel who are interested in importation of goods into our country with funds which are presently trapped in Nigeria. In order to commence this business we solicit your assistance to enable us RECIEVE the said trapped funds ABROAD.

The source of this fund is as follows : During the regime of our late head of state, Gen. Sani Abacha, the government officials set up companies and awarded themselves contracts which were grossly over-invoiced in various Ministries. The NEW CIVILIAN Government set up a Contract Review Panel (C.R.P) and we have identified a lot of inflated contract funds which are presently floating in the Central Bank of Nigeria (C.B.N).

However, due to our position as civil servants and members of this panel, we cannot acquire this money in our names. I have therefore, been delegated as a matter of trust by my colleagues of the panel to look for an Overseas partner INTO whose ACCOUNT the sum of US$31,000,000.00 (Thirty one Million United States Dollars) WILL BE PAID BY TELEGRAPHIC TRANSFER. Hence we are writing you this letter.We have agreed to share the money thus:

70% for us (the officials)

20% for the FOREIGN PARTNER (you)

10% to be used in settling taxation and all local and foreign expenses.

It is from this 70% that we wish to commence the importation business.

Please note that this transaction is 100% safe and we hope THAT THE FUNDS CAN ARRIVE YOUR ACCOUNT in latest ten (10) banking days from the date of reciept of the following information by TEL/FAX: 234-1-7747907: A SUITABLE NAME AND BANK ACCOUNT INTO WHICH THE FUNDS CAN BE PAID. PLEASE ENDEAVOUR TO RESPOND BY TELEPHONE OR FAX.

Yours Faithfully,

DR. IDRIS MUSA

>> No.3605

My Wells Fargo debit card expires in 2.5 months.

I am thinking about getting a credit card because I know how to be responsible with the money in my bank account.

Any recommendations for a college student?

>> No.3647

>>3605

Discover IT for Students. The regular Discover IT when you're older, fuckin great card for the average person.

>> No.3623

>>3580
15-20% down payments is the standard right now. If you're only putting 10k down you're probably moving into a shack

>> No.3625

>>2911
Wow fuck all of that shit. I'm glad my car is from 1995.

>> No.3726

>>3623

it depends where, I bought a fuckton of land near Modesto for about $20,000; then again it's a fucking desert out there with barely any water but hey I'm making a few hundred every month renting out old trailers and parking spaces for RVs

>> No.3728

>>3647
Do they accept people with no income?

>> No.3765

Wait, you need to pay $30 to get an Amazon credit card?

>> No.3787

>>3765

kek nigga

If you're talking about the Amazon Visa, you get $30 when you're approved.

>> No.3803

>>3728
Your credit limit depends on your income.

Just lie. I did it with no consequences. I'm a neet with a side job so I just put self employed and got 20k limit.


Also go for the normal card, never student cards.

>> No.3808

>>3558
No, and I don't have a need really since I get hefty fin aid.

>>3539
I'm sure it would help a lot though, especially if someone is new to building credit and all.

>>3528
I figured this would be the case and I'm kinda relieved to hear that.

>>3647
My debit card expires next year but I have a regular checking account. What's special about the Discover IT for Students?

>>3567
I know sooner is better but I'll consider it. I have money, just no income is all.

>> No.3829

>>3808
Take out a small loan thats manageable for when you get a job, it really helps your credot

>> No.3834

>>3726
>Modesto
>desert

nigga wat. If you mean Modesto, CA, it's all farmland not desert. Also, enjoy your car jacking capital.

>> No.3835

>>3787
http://www.amazon.com/storecard

>> No.3861

>>3728

yes, but you'll probably have you do prepaid cards to build up your credit first

>>3803

>lying to the bank

Be fucking careful when you do that, it's playing with fire. Banks can charge you outrageous fees if they think you're bullshitting them and they can audit you too, which can lead to potential prison time or massive fines from the feds if you cheated them out of tax money.

>> No.3884

>>3835

I have that one too, no, you don't need to pay (no annual fee). It even says you get a $10 bonus for signing up.

>> No.3889

>>3834

>farmland

the worst drought in California's recorded history is passing through, all the trees on the property died and the grass went up in a controlled burn

> Also, enjoy your car jacking capital.

we have THREE Wienershnizels here

>> No.3978

>>3861
They won't though, and everyone does it to get higher credit limits.

>>3835
Store cards are shit, if I'm wasting a hard inquiry on my credit report that reduces the score and lasts up to SEVEN Years, the sign up bonus better be greater than $100.


Really, they're desperate for your business, not the other way around.

>> No.4003

>>3978

Hard pulls are only two years bro, bankruptcy is 7 years.

>> No.3992 [DELETED] 

>>1956
Extremely true

There's no point in carrying a credit card when you can just carry cold hard cash. Much less of a chance of you getting your money stolen from you, too.

Also, for those of you about to rage at me about online payments, just use PayPal hooked up to your bank account, or get a virtual cc hooked up to your bank account that you can use for online purchases.

>> No.4034

>>3889
I know it's California's worst drought mayne, I live in the area. For that matter, can we as valley folk agree to stop sending water to those faggots in LA? They can dry up some other state if they want, we need that shit here for everything.

>> No.4019

>>3978

>They won't though

as far as you know, I've had friends get carted off because the bank thought they were making 200x more than they were and the IRS audited them

>and everyone does it to get higher credit limits

[citation needed]

>> No.4043

Why would you need credit card? Dont you have enough money?

>> No.4097

>>4019
now that's just fud.

Of course you don't put 6 figures if you aren't making near that much. The general guideline is to put 10 to 20k more than you earn for a higher limit.


>>4043
>Dont you have enough money?
lol

>> No.4109

>>4043

To have nicer things down the road.

>> No.4150

>>1956
If you weren't trolling, how did they manage to get car and house loans and other things without a credit card? Are there any other ways to build credit?

>> No.4183

>>4150

loans m8

>> No.4249

>GETTING FREE BUSINESS CLASS FLIGHTS JUST FOR SPENDING MONEY YOU'D SPEND ANYWAY
BASED CREDIT CARDS

JUST PAY THEM OFF EVERY MONTH AND YOUR'RE FLYING FOR FREE

WHO FLYERTALK HERE

>> No.4293

>>4043
>Use debit card exclusively
>Payment info gets compromised (ie Target)
>Your bank account gets drained before you realize it
>You now have no money to buy anything until the bank fixes it (could be days?)

or
>Use credit card
>Payment info compromised
>Card gets canceled
>Bank accounts remain untouched
>Use your debit card or other CC until replacement CC comes in the mail
>All is good

>> No.4315

>>4249

Dunno what that is m8 but I do love the rewards.

>> No.4365

>>4293
Last year didnt had any cards.When I am going out I would take one uncle green. No mid guy payment no nothing.

>> No.4388

>>4249
>>4293
Both good points. Credit cards can offer more bonuses like air miles and more security in the event of your info getting compromised.

>> No.4380

Is there any reason for me to get a credit card, except maybe to have a credit score? I'm paid doubly by salary and commission rates so even if I'm not working I'm still getting some money in. I don't have any big expenses at the moment and don't really see myself spending a lot unless I want to replace my aging car. The most expensive thing I want at the moment is a sewing machine ($999 retail but I'm waiting for a sale).

>> No.4445

>>4380

Already been answered.

Use a CC wherever you'd spend cash money anyway. Pay balance off in full. Acquire better credit score.

>> No.4437

>>4380
It's worth it for the credit rating. Even if you aren't using it you're improving your credit rating by being responsible.

Also, out of sheer curiosity, why are you wanting a thousand dollar sewing machine?

>> No.4630

>>4183
So.. that's it? You can only build up your score with credit cards and loans?

>> No.4698

>>4630
CREDIT SCORE IS LARGELY A METRIC OF CREDIT HISTORY

HOW U GONAN GET A HISTORY WITHOUT CREDIT NIGGA

>> No.4715

>>4698

GET EM BRUH

>> No.4762

>>2970
Pre-paid is safest way to do so.

>> No.4742

>>4630
Credit is the antonym of debt. A credit score is a score of how much a company that wants to lend money to you can trust you to repay that money. The only real way to prove your reliability in that manner is to have borrowed shit and paid it back. The best way to do that in a safe and controlled way is with a credit card.

>> No.4768

>>4698
I don't fucking know. That's why I'm asking you double nigger.

>> No.4777

>>4768

OH FUCK BRUH HE CALLED YOU OUT BRUH

>> No.4895

>>2424
I sort of know the the difference between hard and soft inquiries; if institutions can make soft ones without impacting your rating, why is it that some companies get in shit for damaging peoples credit scores?

Like Bell (Canadian telecom and media giant) for instance: http://www.cbc.ca/m/news/#!/content/1.2326163

>> No.4969

>>4437
>>4445
Thanks guys. I suppose I should look for one soon and get to using it then. I just find it strange to spend money in such a roundabout way.

Also I want a thousand dollar sewing machine because sewing is a big hobby of mine and I want a good mid-level Bernina that will last me the rest of my life.

>> No.5074

>>4895

Aren't the credit "rules" different in Canada?

>> No.5404

>>5074

Yeah, we get 1 'free' personal check for each of the 3 major credit institutions that are guaranteed not to damage your credit, but I still don't get how companies can check your credit without your permission without having legal issues. And why the hell does them asking about you affect the users score? Pretty messed up is you ask me.

It probably happens ridiculously often too.

How does the US system work?

>> No.7037

>>1699
The best cash back card is US Bank Cash+. You get to choose your categories, 5% one category, 2% on two others, and 1% on all other purchases.

>> No.7174

>>1947
wait really?
don't they use a weird billing company?

>> No.7273

>>5404
we get the 1 free personal check each year. i'm not sure about companies checking ours

>> No.8103

I'm 23 (amerifat)
have I think 16 credit cards
somehow Banks keep giving me more
only open them for the huge signup bonuses (got 100 thousand American airline miles last week)
Fico is a 700 something
I outjew the jews and only primarily use 5 cards for the best reward bonuses

Get credit cards, they're awesome

>> No.8186

>>8103
>sign up for credit card
>get rewards
>cut card in half
>throw in trash
>???
>win at life

>> No.8245

i have discover card for students and i love it

>> No.8691

>>8186
pretty much,
over time closing accounts can screw up your AAoa (avg age of accounts) which has a small determination towards your credit score.

I get around this by having 4 amex products which report as open since 1971 (when my dad got one)
Since I was on his amex in high school, in their computer matches my accounts to his account age.

So despite all my 1 or 2 year old accounts, it's easy to get around.

>> No.10834

>>2405
Credit cards are fantastic for people who use them to build credit. They are not for people who think of them as "free money" and wind up using their entire limit, then wondering why they're paying so much interest on their bills.

Here's how you're supposed to do it:

* Don't spend any more on credit than you have in your wallet.

* Pay your balance in full every month. As a result, you pay no interest, only the amount you spent. If you use rewards cards, you can actually profit a decent amount.

Follow these steps and not only will you not pay any interest and go into huge CC debt, you'll also build your credit immensely. Get several cards when you can and do the same thing. The more cards you're paying off on time, the better your FICO score.

>> No.11280

I only got Bank of America's standard credit card, I've had it since high school as a way to buy cheap stuff to build up credit. But now I wish I researched more into cards before getting that and got something better with perks, like maybe an amazon or ebay card since I buy from those places. Is cancelling a credit card a hassle free process? They automatically renewed it when it expired. I don't want to become like my mom with a dozen credit cards. I just need one.

>> No.11311

>>2548
it's ok.. he's poor and didn't know that the Centurion existed.

>> No.11319

>>11280
There's nothing wrong with having a dozen credit cards as long as you utilize each one at a low rate (about 20% of your limit each month) and pay off the balances in full. Your credit score can only go up this way.

>> No.11349

>>11319
I know but I just don't want to keep track of many since I lose things easy and my mom hasn't paid any off, I don't want to get her curse. I myself always have paid off whatever junk I get with my card immediately before the pay date. Probably still don't have a good enough credit history with that but whatever.

>> No.11356

ITT nobody has AMEX Centurion or JP Morgan Palladium

>> No.11354

Discover is pretty good rewards, but they're real jews about raising your limit. Had them for two years with decent credit and only $1500 limit.

I got a $5k card from a local credit union I also have savings with. It's a Visa.

>> No.11379

>>11356
Well no shit. If they did they sure as fuck wouldn't be on 4chan.

>> No.11432

>>11356
Why even bother with a Centurion? What kind of person, regardless of their wealth, wants to pay a $4,500 annual fee just to show off? That's not very smart.

>> No.11439

>>11432
Woops, I mean $2,500. Still pretty ridiculous just to say "Look at me, I'm rich and you're not!"

>> No.11525

>>11354

Discover bumped me from 5k to 7.5k without any reason or warning. I didn't call them either...

>> No.11580

>>11432
>>11439
Centurion's benefits are really what you're paying for. Although, I've been a member on asmallworld for a long time, and ASW members have said that the card's benefits have noticeably declined in the value you get based on what you're paying. And as for the JP Morgan Palladium card... well.. I don't think it'll beat out AMEX, but I heard you need $30 million in the bank with JP to have that card. It's funny, you can find that card actually being sold on ebay by real cardholders.

>> No.11677

So after reading through this thread I am stuck at 3 choices: Discover IT, Chase freedom, and BCE.

>> No.11697

>>1699
I'll check your are dubs if you post credit card info
it gets blanked out see
look
****************
what did I tell you
post credit card

>> No.11730

4060680211596585

credit cards get blanked out right? you'll never get my info.

>> No.11751

>>11730
HAHA! You've been tricked! You better delete that before we hack you :3

>> No.12115

>>10834
listen to this
my very first credit card (and the the only i still have) is my chase freedom card
1% return on all purchases + 5% on other shit
i just cashed in $200 cash for using it for a year
paid my entire balance every month
nothing but profit + good credit

>> No.12124

Legit question here, i've had a debit card since I was 16, my parents always told me to never bother with credit cards, and i've never been denied service with my debit card.

Is there a reason to have a credit card nowadays? Obviously they're not "obsolete", but if you have the money in an account to use the debit card, why not just use it?

>> No.12213

>>1877
>4chan
>want Americans to leave

>> No.12226

whats the point of credit card other than to build credit for other shit

>> No.12271

>>12124
Read the thread. There have been many reasons already given for considering getting a credit card even if you don't strictly need one (which very few people do), and advice provided on how best to make use of it.

>> No.12285

>>12226
Credit cards are used by people for a few reasons. One, is because they can charge more to the card than they have in current cash on hand. Two, it is safer than carrying around a wad of cash with you (think: if you were to get mugged/robbed, lost the cash, etc). Three, it helps you build credit by paying off your bill on-time.

>> No.12307

So, my friend who happens to be a minor, wants to know if he can get a credit card, and which company to use (also, my friend doesn't have a bank account and he wants to know a good bank to set up an account with), and if he can't use one, how can he shop online?

>> No.12407

>>12307
Have him sign up for an account at a local credit union. They will not rape him with fees the way a regular bank does.

>> No.12671

My problem with cards of any type (esp. discount cards in grocery stores) is that firstly, they're linked to your identity, and secondly, everything that you purchase with said card is linked to it. A credit-card you may or may not use between visits to the store, but a discount card you will almost always show.

Therefore, the latter permits accurate tracking and categorization of behaviour, diet, health, habits, living area, type of person, worries, etc. Effectively, you're prostituting information about yourself, in exchange for that monetary discount. Nothing is ever truly free. The former only permits inaccurate tracking, and you essentially need one to build credit. You also need it to buy most things online (unless you buy a gift card).

I use a credit card, but no discount cards for these reasons.

>> No.12683

>>1699

I try to stay away from credit cards at all times

>> No.14791

I'm 23 and have over 100K available to me in revolving credit. It seriously isn't hard assuming you're not retarded. My FICO hovers between 750 and 790 depending on how hard I'm churning.

>> No.14802

>>3226
>implying that holds a candle to the JP Morgan Palladium made of a rare earth metal with your signature laser inscribed in the back
total pleb

>> No.14813

>>11580
You don't need $30M anymore, regular plebs can apply if they're willing to kick up $600-$700/yr for the annual fee.

>> No.14837
File: 50 KB, 180x207, ¦3rilliant.jpg [View same] [iqdb] [saucenao] [google]
14837

surprised no-one poasted this yet

enjoy

http://www.independent.co.uk/news/world/europe/read-the-small-print-credit-card-user-sets-his-own-limit--then-sues-bank-for-closing-account-8753602.html

>> No.16921

>>12671
If you care about everything you just listed out, why would you use a credit card?

>> No.17114

>>12671
>Effectively, you're prostituting information about yourself, in exchange for that monetary discount

Why is it bad, exactly, that my grocery store happens to know what brand of yogurt I buy, and occasionally offers me discounts on said yogurt?