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/biz/ - Business & Finance

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19182915 No.19182915 [Reply] [Original]

best credit card for usa citizen? is there an optimal way to spend it so i can maximize my credit score?

>> No.19183106

>>19182915
Do a search, CC's are offering new incentives since Corona. Now is a good time to get one if you have a decent score.

>> No.19183123

Why do people need a credit card? I don't anyone that has one.

>> No.19183156

>>19183123
trying to get a loan for a house, i think i need credit score history and shit right?

>> No.19183603

>>19182915
amazon prime visa

>> No.19183655

>>19183156
So nothing practical? The goal is just to boost your credit score like some weird videogame?

>> No.19183686

>>19183603
I've read horrible reviews on this one.

>> No.19183929

>>19183655
How is improving your credit score not practical? It will literally improve your future options, kill yourself you edgy faggot

>> No.19183979

>>19183929
Damn jews really got you Americans. If you need a credit card then of course it is practical, but not in a broader sense

>> No.19184097

>>19183979
Youre fucking stupid. It makes owning a home cheaper

>> No.19184101

>>19183686
idk, i've got it an had literally zero issue with it

>> No.19184150

>>19183655
>>19183979
I get cashback on my credit card, 2% for every purchase. I pay off the balance every month, so it's literally just free money on all my purchases.
Only financially illiterate retards dislike credit cards.

>> No.19184165

>>19182915
discover and chase freedom for rotating 5% categories, preferably get both because the categories don't always overlap

penfed for 5% on gas

capital one quicksilver gives 1.5% on everything

none of these have annual fees

put all the shit you would normally buy with cash on the cards and pay them off when the bills come out. never be late or miss a payment. builds credit history and gives you easy money for doing nothing

>> No.19184287

>>19184097
>>19184150
You really don't get. It's cheaper because (((they))) want you to use credit cards. Don't get me wrong, I'd use them too if it worked like that where I live, but I understand that it's just a scheme to get people to spend more and eventually become debt slaves.

>> No.19184347

>>19184287
Its called self control, but its true that they encourage you to spend more.
If you cant resist racking up a ton of debt on stupid purchases, you deserve to be a debt slave

>> No.19184389

>>19184347
Yeah, as I said, I'm looking at it more broadly. It is only practical in the sense that it makes the banksters happy. For people with self control, there is no other use for credit cards.

>> No.19184428

>>19184287
Yeah except I have 0 debt, never had any credit card debt, and have gotten hundreds of free dollars because of cashback with my credit card.
No need to cope because you're a financially illiterate Europoor.

>> No.19184462

>>19184428
I can't believe someone who has no idea what macroeconomics is is calling me financially illiterate.

>> No.19184510

>>19184165
Discover has incredible customer service
Capital One is good too