/biz/ - Business & Finance

[Anonymous No.13153223]

Who has the highest line of credit on /biz/? Also, credit general.

[Anonymous No.13153260]

My bank keeps begging me to take out a line of credit.

[Anonymous No.13153264]

my limits 1600 right now. apparently my credits being hurt because i dont have enough lines of credit open.

[Anonymous No.13153266]

>>13153260
Of course they do. You using their credit card gets them paid by the vendor regardless if you pay interest on it. That's how Amex makes all their money.

[Anonymous No.13153283]

>>13153264
I have $3,850 between 2 cards with a 715ish transunion. Really it's just credit age at this point. My score will go down so drastically when I pay my car off this year since it's my oldest open line of credit.

[Anonymous No.13153319]

My credit card has $10000 limit but I only use it for emergencies

[Anonymous No.13153753]

I have the Amex platinum and the chase ink business. I have a lot of expenses for my business - just spent 100k points on a trip abroad, still sitting on around 250k points, not sure where I should go next.

[Anonymous No.13153859]

>>13153223
Between all my cards together I have about 50000$. My amex blue cash card it at 10000 and my metallic amzn card is at 15000

[Anonymous No.13153868]

Highest individual card is Chase Sapphire Preferred with 15k

Total credit limit is ~30k across all 4 of my cards

23 y/o with ~70k income and 750ish score

[Anonymous No.13153873]

>>13153223
30k Amex, few others 17-25k

No larp also not posting my shit here though

[Anonymous No.13153879]

>>13153223
The ratschild anons

[Anonymous No.13153891]

I'm 24 and my blue cash is at 15k

I have never had it paid fully off either kek

[Anonymous No.13153973]

Amex Rose Gold Charge Card (70k pre-approved purchase power )
Amex Blue Cash 10k
Chase Sapphire Reserve - 30k
Chase Freedom Unlimited 18k
Chase Freedom 9k

Credit score of 812, no debt. Sometimes I'm tempted to give all my net worth away to my family. Go overseas to Asia, max out all my cards on hookers thots drugs alcohol clubs, and then kill myself. Go out with a bang. If I'm not wrong, credit card debt is not transferable and just goes away when you die assuming you have nothing left in your estate.

[Anonymous No.13154168]

>>13153753
>I have the Amex platinum and the chase ink business
No you don't

[Anonymous No.13154180]

>>13153879
Bro, you clearly never read the bible

[Anonymous No.13154189]

>>13154180
Angry kike

[Anonymous No.13154196]

>>13154189
I know thy works, and tribulation, and poverty, (but thou art rich) and I know the blasphemy of them which say they are Jews, and are not, but are the synagogue of Satan.

I'm a devout Christian, and misrepresenting the bible for your own political beliefs is as clear as blasphemy.

[Anonymous No.13154212]

>>13154168
lol you are a jelly faggot, and you call yourself a christian. classic

[Anonymous No.13154216]

10k @ prime will use if bitcoin touches 2k

[Anonymous No.13154240]

11k on amex, 4k on Mastercard through the credit union. They auto-up my limits every so often. It's more than I'll ever need already so I need no reason to add any lines. Credit score 770s, would be higher but I am still repaying a car loan.

[Anonymous No.13154285]

>>13154240
It might go down when that loan is paid off.

[Anonymous No.13154376]

>$8k between two cards
>zero balance
>780 credit score
>5 years of credit history by june this year

[Anonymous No.13154401]

>>13154168
lol

[Anonymous No.13154423]

might get the sapphire reserve for the points bonus in a few months too

[Anonymous No.13154435]

Gentile retard general

[Anonymous No.13154449]

This entire thread is Jewish viral marketing.

[Anonymous No.13154536]

>>13154449
I honestly don't understand the hate for credit cards. Especially for reward cards, a 3-5% cashback is essentially a 3-5% discount. Why wouldn't you want to pay less? I would never advocate spending because of cashback/points, but if it's something you would do normally, why not get reap the free benefits of it? I've already accumulated thousands of dollars in points/plane tickets/discounts/perks just for doing what I would normally do anyways.

Now if you're retarded and can't manage your money, that's not a fault on the card, but a fault on you. Credit card statements also make it easy to track your spending and is overall just cleaner than cash.

[Anonymous No.13154586]

>>13154401
ayy lmao

[Anonymous No.13154599]

>>13154285
Well, true. My reports say that my credit lines are too new, and that is the most recent so I was thinking that would bring up the average age.

[Anonymous No.13154615]

>>13154401
Nice handwriting bro, you a CS major?

[Anonymous No.13154669]

>>13154615
I graduated with a finance degree but am self employed (primarily e-commerce) now

[Anonymous No.13154839]

>>13154599
Maybe, it depends on how many credit lines you have open. If it brings up the average age, it shouldn't hurt it much. You get better credit with more open lines of credit too, but paying it off should be the priority regardless. Your average age over the next couple years will be the biggest player.

[Anonymous No.13154846]

>>13154669
So you're a CPA now?

[Anonymous No.13154866]

>>13154846
No, I have a product on amazon FBA that gained a lot of traction

[Anonymous No.13154875]

>>13154196
based

[Anonymous No.13154881]

>>13154401
Oh cool, I pretty much have those exact two cards, but my chase card is the Chase Ink Bold Business (I think its not there anymore, but I am grandfathered in to w.e the hell bonuses I get). I got it back in 2016. I also have the personal card for chase, the sapphire preferred. I build up points on my business card and then transfer the points when i need to travel to my sapphire preferred and enjoy the 1.5x bonus, instead of the 1.25 on the business ink bold.

[Anonymous No.13155061]

>>13154669

Double posting at this point, but I also graduated in finance. I do online marketing and ecom too, not amazon fba though. Also correction, I just saw my business chase card, its the business plus ink card, not ink bold. Lets crush 2019!

[Anonymous No.13155484]

Credit cards- 50k
Heloc - 20k

[Anonymous No.13155597]

Pic related my score. I have 5 cards. Highest credit limit is only $15k.

[Anonymous No.13155603]

Is the Amex Platinum even impressive anymore?
Which credit card will get me the farthest with gold diggers?

[Anonymous No.13155718]

>>13155061
ayeee, let's go anon! wishing you nothing but success for this year.

[Anonymous No.13155753]

>>13155603
Amex platinum, unless you have centurion money. No gold digger knows what the fuck a sapphire reserve is.

[Anonymous No.13155910]

>>13154401
That's fair, I eat my own words, you weren't larping.

[Anonymous No.13155917]

So far I guess it's me if all you guys have $50k across multiple credit cards at best. That's the lowest I have on a single card.

[Anonymous No.13155920]

>>13155917
What card? Most cards that aren't elite travel cards will cap at 25-30k.

[Anonymous No.13155934]

Why have these huge lines of credit

I have 6k and it's covevered several emergencies

[Anonymous No.13155936]

>>13155920
It's a BofA travel card, definitely not elite. I don't carry any elite cards honestly, all just typical rewards shit.

[Anonymous No.13155956]

>>13155934
It's for when/if you need it, not a regular thing - also does help build your credit score to be managing large credit lines and not having any issues.

If I ever wanted to take out a business loan for example I'm going to get a lot more money given my available credit lines than if I had a tiny amount of credit available.

The thing is there are no downsides to having larger credit lines unless you're an idiot and actually tap into it for something retarded and can't pay it back.

[Anonymous No.13156039]

How do I into credit?

[Anonymous No.13156068]

>>13155936
Are you sure it isn't a charge card?

[Anonymous No.13156134]

>>13155910
Why would he be larping?

Anyone who is late 20s or older should have a credit profile strong enough to get either of those cards. Unless, ya know, they've made terrible financial decisions. I even know some in the lower - mid 20s who have the Amex Plat. Not really anything too special.

[Anonymous No.13156271]

>>13156134
Because everyone on /biz/ is either a bitcoin millionaire, or top tier business mogul. Especially true when people here claim they saved and paid cash for a house because le jew credit meme, and that paying for cash with literally everything, when making millions, is somehow better than getting a kickback on all that money you allegedly spend.

Trust me man, /biz/ is a LOT like /sci/. Mostly teens larping because they dream big. /sci/ has hundreds of PHD holders, Master's holders, top tier oil rig workers, top tier astrophysicists, but ask them a simple algebra question and they fuck it up.

[Anonymous No.13156312]

>>13156271
its okay fren, /biz/ has tons of larping retards. i am not one of them. I forgive you and I hope you have a wonderful weekend :)

[Anonymous No.13156377]

>>13156271
True but if you're going to larp you should at least do it about something impressive. I wouldn't owning either of those cards "impressive". It's not like it's the black card. To my knowledge, that would really be the only card worth larping about.

[Anonymous No.13156432]

>>13156134
>>13156271

High credit limit is not a sign of financial success. I had no credit history in 2014 and read through creditboards.com so I could build my credit score.

Now:

Penfed: $40K Personal Line of credit
Penfed Cash Rewards: $25K
Fidelity Visa 2% Cashback: $25K
Amex blue cash preferred: $25K
Citi Dividend: $18K
Discover: $17K
Chase Freedom: $17.K
BOA Cash rewards: $22K

Besides those I have a bunch of small $5K or less cards. There are fags in creditboards who earn $50K with $300K lines of credit.

[Anonymous No.13156473]

Plat lets you precheck your limits and the highest I’ve gone was 50k and was approved. Amex keeps offering me personal loans of 25k or so lmao

Have a visa with 15k I think

[Anonymous No.13156495]

>>13156432
And here I thought 2 cards was enough.

[Anonymous No.13156498]

$30k LOC
$15k Visa
$8k MasterCard
$5k LOC

Only one I ever use is my visa which I pay off every month, usually around $1k balance

[Anonymous No.13156512]

>>13156432
Why on earth would you ever need that many credit cards

[Anonymous No.13156526]

>>13153223
I have a $700k investment account with Merrill Lynch and they gave me a $465,000 revolving line of credit. There's no schedule to pay it back. I can borrow or pay back whenever I need to, just need to pay the 6% finance charges on whatever I borrow.

[Anonymous No.13156527]

>>13153283
>buying consumer goods with credit
the absolute state of biztards.

[Anonymous No.13156622]

>>13156432
>>13156495
>>13156512
Most them are trash too like credit union garbage, fidelity visa, amex blue cash, discover garbage lmaoooo

Also I never said higher credit limit = financial success. Any joe schmo can gradually open like 10 cards across a few different providers and have a high limit, it's not impressive. I'm literally saying the opposite is true. Anyone not awful credit can be approved for most cards these days, with the Amex black card being the one exception

>>13156526
>6% finance charges
So if you borrow 100k you have to pay 6k even if you pay it all back? Sounds like garbage to me

[Anonymous No.13156700]

>>13156622
No, the finance charges are calculated monthly on whatever my balance is. After a year it would add up to 6%.

[Anonymous No.13156918]

>>13156527
Calm down cletus.

[Anonymous No.13157474]

>>13153223
I have no open lines of credit and hopefully no credit score. Enjoy your usury, I'll be over here winning at life.

[Anonymous No.13157851]

>>13157474
How's mom's house doing?

[Anonymous No.13157870]

>>13153223
40K in student loans. How can I fake my death?

[Anonymous No.13157876]

>>13157851
Only credit you need is to buy a house, aka an appreciating asset. Muricans live way above their means like good little consumer NPCs

[Anonymous No.13158349]

>>13157876
If I'm offered 0% financing and rebates (chevy) explain to me why I should instead put a large lump sum when I could also not.

[Anonymous No.13158361]

>>13157876
And how will you get a decent rate if lenders can't see if you're a reliable loan applicant.

[Anonymous No.13159045]

I’ve been using my banks credit card for like 2 years just to build some credit. Finally got a score ~770

It’s got no rewards, no cash back, no nothing.

What should I upgrade to?

This is a real question, disregard the pic.

[Anonymous No.13159323]

25, 5k credit card, credit score is maxed out. Don't see the point though

[Anonymous No.13159389]

>>13153223
>13153223
20k from Chase over 3 cards, 30k from Capital One over 2 cards, 10k from Discover on a 50k Income.

I don't even fucking know how or why but I keep getting approved for churning these bad boys and yeah. Don't play on using any of the excess credit, I just let it sit there and cancel the account before the annual fee comes around.

[Anonymous No.13159438]

10k across 3 cards
how hard is it to get higher limit? they seem to be just giving it to me. i bet i can get a few thousand more if i ask all three right now

[Anonymous No.13159502]

>>13159045
Simple cashback card. Amex blue cash, freedom/unlimited, quicksilver, etc.

[Anonymous No.13159653]

>>13159502
>simple cashback card
Well... what’s the best? You basically just made the case for getting the Apple card with 2% cash back.

[Anonymous No.13159709]

>>13159653
That depends on you. Do you want Amex customer service, capital one's non existant international use fees, Chase's freedom in redemption of rewards..? Knowing apple, there's a catch. Look around and decide what's best for you though.

[Anonymous No.13159746]

I’m 25 and have never had credit before. Everyone always says that it’s important to have credit, but it seems like a pure Jewish scam. Why should my credit score be negatively impacted just because I check my score? Why should my score be negatively impacted every time I attempt to open a new line of credit?

The only legitimate use I see for credit is for purchasing a house, because most people don’t have that kinda money laying around. Maybe for financing a car too, but most people with a steady income should be able to save enough to buy a decent car with cash.

I know that you guys can come up with 500 reasons why I’m wrong, but I don’t care. I’m not falling for this stupid ass scam, and if I ever want to buy a house, I’ll just have my parents co-sign the loan and everything will be fine

[Anonymous No.13159959]

>>13159045
Need more info

How much do you spend overall and on each category (travel, dining, groceries, entertainment, gas, etc.)?

Do you care more about cash back or travel? Are you willing to pay an annual fee? etc.

>>13159653
apple card is trash

>>13159746
>Why should my credit score be negatively impacted just because I check my score?
It's not.

>Why should my score be negatively impacted every time I attempt to open a new line of credit?
It is, but only for like a month or 2. And it's because you're taking out more credit dumbass

Please continue turning down free money lmao. And I'd love to see you get any kind of purchase protection paying with cash

[Anonymous No.13160050]

>>13155603
Worst fucking service.

Just got back from overseas and going to pay it off and cancel.

>fraud on card, they notify me, they still make me pay and tell me in 90 days they may reimburse me if their internal investigation reveals it wasnt me. What? I'm in Dubai and three uber charges went out in Sydney in less than 30 seconds?

>They take a week to get a new card to me.

>I booked a car through their service and when I arrive I cant get the car because the numbers changed. They tell me they cant help me. Hertz bro hooked me up, amex failed.

>top it all off, they continue to blow my phone up asking how their service was.

It's a larping premium card, you are treated like shit. My "free" credit union credit card is better on service.

Another story as to why my father doesnt use amex anymore.

>goes to hotel
>gets billed 3 extra nights
>fraud protection said they personally spoke to cleaning lady that confirmed he was personally there.
>he has charges from across the world during those days because he was not there.

Premium card and they listen to a cleaning lady over their customer.

[Anonymous No.13160111]

>>13160050
jesus christ that's horrifying

makes me glad i picked chase over Amex's flashy bullshit cards

[Anonymous No.13160118]

>>13153223
ive got a 30k limit , 22yo grad

[Anonymous No.13160144]

11 Credit cards
$31,200 total limit
$6,000 highest on one card

[Anonymous No.13160214]

>>13159959
>It is, but only for like a month or 2. And it's because you're taking out more credit dumbass
Okay, but why? Why should it hurt my credit score? I’m genuinely curious. I want to understand how it works, but whenever I ask, people don’t seem to have a good answer.

And why are banks so weird about giving lines of credit out? I’ve been at my bank for 6 years, I’ve maintained a balance of $20k+ for the entire 6 years and it has been steadily increasing each year, I have steady $1500 weekly paychecks that get deposited with them. And when I ask about getting a basic credit card with a $500 limit, they tell me that a secured line of credit is the only way they’ll give it to me. Fuck that. I’m not covering my own credit line with my own goddamn funds, that’s beyond retarded. Why do they not trust me enough to loan me 500 bucks when they can take a look at my account history and see that I’m not irresponsible with money?

[Anonymous No.13160246]

>>13159746
>The only legitimate use I see for credit is for purchasing a house, because most people don’t have that kinda money laying around.

Not even that. If you have enough money for a 20% down payment and a steady job, you can do something called manual underwriting where the loan officer can use your money and steady source of income in lieu of a credit score.

[Anonymous No.13160247]

>>13153223
Pre 2008, my total credit line was $120k+, back then you could have as much credit as you wanted.

[Anonymous No.13160279]

>>13160246
Good to know. If true, then this is exactly how I’m going to buy a house when the time comes

[Anonymous No.13160382]

>>13160214
>Okay, but why? Why should it hurt my credit score? I’m genuinely curious. I want to understand how it works, but whenever I ask, people don’t seem to have a good answer.
It will lower your average age of credit accounts, that's why. Average age and total length of history are just two of the factors that go into your credit score. Opening a new account will actually increase your score over time because you have lower utilization/more available unused credit.

I'll admit it that it does kind of feel like a dumb game at times. For example I have a student loan I'm almost done paying off (it's 3% interest so I'm in no rush), once it's finally paid off and the credit line is closed out my score will actually probably go DOWN a good bit because 1) this loan is one of my oldest accounts, so it'll lower my avg age of accounts drastically and 2) it'll remove any diversity from my credit report since I have no other debt/loans, just revolving credit accounts.

it's pretty fucking gay, but honestly as long as your score is over 700 is just becomes a pissing contest at that point. the difference between 800 and 700 is a lot smaller than the difference between 700 and 600 which is even smaller than 600 vs. 500

And idk about your bank man, it sounds like shit. I opened a new bank account literally the week after I graduated college and no secure income yet (job started after the summer) and they immediately approved me for a credit card with a 5k limit right then and there. Sounds like you need a new bank.

[Anonymous No.13160539]

>>13153223
I got in a weird situation for pic related.

Had a chase sw card that had 30k limit. Which was the highest card I've ever had at the time. I ended up closing that acct and my other chase card which had a limit of 16.5k got the extra 30k.

I don't even know why i would ever need to use 40+k worth of credit unless i was to make a bunch of purchases and flee the country and live in the crypto world for life.

[Anonymous No.13161075]

>>13160382
Thanks, this was helpful. I’m going to find a new bank and see what they can offer. Maybe I’ll give in and get one finally

[UncleOldfag !N.1AF7OAVY No.13161108]

I've got the highest credit limit on here

[Anonymous No.13161127]

>>13160214
when you ask for credit, you're literally asking to borrow money. you're asking for a loan. a loan that is open and free for you to borrow from until you close it. banks you ask for credit don't give a fuck about how much cash you have. they probably can't even see how much cash you have because the credit card department is separate. credit companies care about how well you manage credit, loans, and money that ISN'T yours. stupid as fuck, but that's how it works. get a secured credit card, use it for 6 months, and then get any credit card you want.

[2 scoops !!DU22SQMj6dQ No.13161546]

>>13153223
I got about 8 cards, 50k line of credit

[Anonymous No.13161568]

>>13160539
>make a bunch of purchases and flee the country and live in the crypto world for life

[Anonymous No.13161590]

I have $50k on my visa signature, $20k on an amex cash rewards, and $2k on an old shit card I got in college. My high balance is less than $3k on any of them.

[Anonymous No.13162217]

>>13157876
A house is hardly an investment if you live in it.

Better to piggyback FHA loans to build a real estate empire.

[Anonymous No.13162221]

G O Y G E N E R A L

[Anonymous No.13162588]

Btw I’m 22, graduated in may and between my 6 credit cards have around 150k in credit. If I called them individually and requested credit line increases i could probably get up to 300-400k (idk why I’d want that tho)

have a 760 credit score, been establishing credit since I was 15 with various e-commerce hustles.

My advice to biz: calculate how much you spend per month then go to a credit card comparison site and figure out what CC is the best for you. Make sure you can pay it off every month, but a lot of mid tier CC’s have miles bonus’s that can cover a vacation (or two)! It’s fucking stupid to use cash or debit cards when you can get free shit from CC companys.

[Anonymous No.13162728]

>>13153873

why would anyone think you are larping? not even a big deal

[Anonymous No.13162827]

Chase silently bumped the limit on one of my cards from $9,000 to $18,000 after i made a large purchase then immediately paid it off. I always thought those CLI bumps were randomly scheduled so that surprised me.

>>13162221
You don't pay interest

>>13153873
I thought amex cards had no limit

[Anonymous No.13162840]

>>13153973
>Chase Freedom Unlimited 18k
Fren

[Anonymous No.13163067]

>>13153859
Bezos cuck detected

[Anonymous No.13163496]

>>13161108
Damn

[Anonymous No.13163819]

>>13162827
>>13162840
Must be nice, I haven't gotten my initial increase on my freedom unlimited. And I spend 30-40% of the max limit a month, i just constantly keep it paid.

[Anonymous No.13164301]

I'm from Europe where there are basically no general credit scores, mostly just internal ratings from each institution.

My bank kept offering me credit over and over and I kept refusing for over a decade. I don't see the point. Then one day they gave me 1.5k overdraft limit without asking me. I called them to reverse it and the guy told me it was important for their internal rating, which depended mostly on what percentage of my credit line I use, so to calculate that rating I needed to first have credit. "So it's all relative to utilization but the amount doesn't matter, you say?" I asked. "Yes" the man replied. And now I've been having a pre-approved overdraft for a grand total of 1 Euro for the last 5 years and we are both happy. Fucking stupid, but whatever works.

I have like 4k limit on my credit card, which I believe is the default. I don't think I've ever used more than 200 to be honest. Europe is not big on CCs.

Been trying out a new discount broker since last year. They've been throwing credit at me and I don't know how to stop it. I have only about 10k in my portfolio there, but my account has 6k overdraft limit and I've been pre-approved for a lombard credit of 2/3rd of my portfolio which is another 7k. 130% credit line on my volatile assets parked there is utterly ridiculous, but I guess interest on credit is how they make their money, because the fees are obscenely cheap. I guess it has some utility - if I ever needed to quickly buy a dip I don't have to transfer funds first, I guess?

[Anonymous No.13164325]

>>13161108
So your Ching Chong Chung?

[Anonymous No.13164394]

30k on my amex.

[Anonymous No.13165165]

>>13157870
lol rookie i got 64k..

[Anonymous No.13165308]

Good credit card for someone with no credit history whatsoever? I always wanted this one with a tactometer on the card it looked so cool

[Anonymous No.13165341]

Reminder credit is a kike scam

[Anonymous No.13165997]

>>13165341
Reminder you're broke and live with your parents

[Anonymous No.13166069]

>>13165997
This is true for me and I got an AMEX plat

[Anonymous No.13166074]

>>13166069
Maybe spend that annual fee on a resume building site

[Anonymous No.13166258]

>>13165997
false and false, boomer faggot

[Anonymous No.13166331]

Daily reminder that the only people against credit are poor people and people who are too dumb to understand how it works.

Pic related, basically getting a free vacation for literally just living my daily life and using my card instead of debit/cash. If you don't use credit you are stupid and uninformed about the benefits or because you cannot spend responsibly, bottom line.

[Anonymous No.13166343]

>>13166331
Yep, they think you pay exorbitant amounts of interest because they're uninformed.

[Anonymous No.13166410]

>>13165341
you don't pay interest

[Anonymous No.13166518]

>>13166410
It's still selling out your children and grandchildren for muh free airfare

[Anonymous No.13166662]

>>13166518
The American way

[Anonymous No.13166695]

$8500 w/ 782 score. 1 card. Its a visa. For when shit happens type deals. Reg card is a master-card via my bank. All I need. I figure between them both (visa/master card) one or the other will be supported anywhere.

[Anonymous No.13166715]

>>13166331

>good goy points

[Anonymous No.13166736]

Long as you pay off the balance before/on the due date your fine and you can screw the company outta charging you interest. That time in between payment dates is basically the company loaning you "free money" to do with as you please.

People fuck up when they run up a large ass bill and then can't pay it off. Say you have 1K limit. You pay only the bare ass min payment. Combined with interest fees by the time you pay it all off you've forked out 2k in money to pay off a 1k debt.

[Anonymous No.13166796]

>>13156271
I'm 19 and bought 4 houses with cash. It's not even hard lmao

[Anonymous No.13166806]

>>13166796
You're a larping piece of shit full of lies, kys.

[Anonymous No.13166834]

>>13161108
This is literally the first image when you search for american express black card.

[Anonymous No.13166844]

>>13166736
>current year +4
>thinking youre screwing bankers

[Anonymous No.13166853]

>>13153223
>college student with a college part-job, come from a poor family. Only make $10hr
>Have 5k on my Chase Sapphire, another 2.6k on my discover
>constantly have about 3k revolving credit
I need to stop but I don't know how to fix this. If I cut anymore out of my life I'll probably honestly kill myself, and if I get a second job my grades will suffer. I'm holding it to 3k, but honestly I don't know how long I can last

[Anonymous No.13166924]

>>13166853
No excuses, Anon. Grit your teeth and fix your life. No one's going to do it for you. Do the needful

[Anonymous No.13166947]

>>13154615
What the fuck is that supposed to mean?

> fight me irl

[Anonymous No.13166955]

>The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation.
lol you people are genuinely retarded

[Anonymous No.13167260]

>>13164301
Is this what autism looks like

[Anonymous No.13167465]

Eurofags, do you use credit cards? If yes, then why?

The only benefit I found is travel insurance. No idea if it's worth getting a credit card just for that.

[Anonymous No.13167967]

>>13166853
You'll graduate eventually...

[Anonymous No.13167976]

>>13166955
Why would that change literally anything? Look at reviews from people not getting kickbacks

[Anonymous No.13168666]

>>13166853
Should have gone with a 15 month 0 APR card like Chase Freedom. The Sapphire has fucking crazy interest, over 20% APR

[Anonymous No.13168694]

>>13166715
$0 annual fees
$0 interest paid

how does it feel to have such a low IQ?

[Anonymous No.13169471]

>>13167976
>being paid by the company to shill cards and methods to "rip them off"
>still thinks he's winning by following said advice
Just admit you don't care that you're selling out for a free plane trip and a couple nights at a hotel

[Anonymous No.13169491]

>>13169471
Selling out? Are you fucking serious? You're clearly a child, getting rewards or discounts at the expense of others is how you keep part of the money you work so hard to earn.

[Anonymous No.13169543]

>>13153223
fuck off debt cuck

[Anonymous No.13169566]

>>13169543
Not in debt if you pay it off.

[Anonymous No.13169579]

>>13169491
it's at the expense of the future you fucking moron

[Anonymous No.13169621]

>>13169579
Okay, explain to me how it'll ruin the future to get a small kickback from vendor fees.

[Anonymous No.13169691]

>>13169621
>you can't get a mortgage without sufficient good goy points
>can't get a number of jobs without sufficient good goy points
>why is this bad
where do you think this is going? why are people being paid by chase to explain how to "get over on chase"?
they market directly to the people who think they are getting over. they are playing the long game.

[Anonymous No.13169858]

>>13169621
where'd you go schlomo

[Anonymous No.13169908]

>>13169691
>>13169858
stfu poorfag

[Anonymous No.13170189]

$10k on an Amex Gold and a Amazon Chase card, $6k on a Discover IT. Between the three get pretty decent returns on perks/rewards.

[Anonymous No.13171330]

>>13169691
>>you can't get a mortgage without sufficient good goy points
>doesn't remember the housing bubble where untrustworthy borrowers were getting automatically approved for homes, driving approval rates at an all time high, causing a crash of the entire economy

>>can't get a number of jobs without sufficient good goy points
This is blatantly not true. 0 credit won't get you denied a job, 22 open short term loans and no financial responsibility will. I've had credit checked for jobs before, they just don't want severe fuckups. They'll still hire 21 year olds with nonexistent credit scores.

[Anonymous No.13171436]

>>13169691
Lol you don't remember the housing bubble because you're a child. It was caused by retards getting adjustable rate mortgages they couldn't afford, and instantly being approved regardless of finances or credit history. Those with solid finances and credit didn't cause the economy to crash, but they also weren't safe from it. Either Fannie Mae or Freddie Mack caused this, I don't remember which, due to offering adjustable rate mortgages to borrowers with no history and no knowledge of a contract accepting it because owning a home was their dream.

Then these rates and statistics were misrepresented and misreported to the government and reporting agencies due to greed.

[Anonymous No.13171442]

>>13169691
Actually, the movie The Big Short explains it pretty well.

[Anonymous No.13171505]

>>13157474
Why are you retards so spooky about credit?

>muh joos

Stay broke, brainlet, theres literally 0 downside to having credit.

[Anonymous No.13171548]

>>13166518
how?

[Anonymous No.13171685]

>>13169691
>where do you think this is going?
The same route that creditworthiness as a concept has taken for the past few millennia

The reporting agencies are already competing for the best guess at financial trustworthiness. Even if the big ones banded together and started halving the credit scores of non-Jewish white males, for instance, then the scores would no longer correlate to anything risk-related. Then lenders would get burned and would use someone else's score instead

[Anonymous No.13171881]

amex plat is a charge card so there is no limit, but you have to pay it off every month.

it works for me since i travel a lot, i get $200 credit on delta, delta sky lounge access, gold status at marriott, uber credits, $100 credit at saks, and points that transfer easily.

currently have 120k marriott points, 250k amex, and 420k on delta

[Anonymous No.13171924]

I have 8 points on my starbucks card. Two more and I get a free giant latte.