/biz/ - Business & Finance

[Anonymous No.51553768]

>you WILL pay the $695 annual fee

[Anonymous No.51553899]

>>51553768
so long as you fly twice a year and use the companion seat it's a great deal
a lot of these cards are predatory only in the sense that poorfags with steel cards think they're hot shit
if you unironically just fucking use it it's great

[Anonymous No.51553903]

Low quality thread

[Anonymous No.51553973]

>>51553768
What's the best credit card to open right before spending a bunch of money? I'm moving into a new place, so I'm going to be buying a lot of furniture and essentials and I'd like to get some entry-level cashback/benefits.

[Anonymous No.51554030]

I'm military so I don't pay a single fucking cent for it.

[Anonymous No.51554056]

>>51553768
700 a year isn't expensive and the card pays for itself if you use it

[Anonymous No.51554057]

>>51553768
Not sure what this is, just barter what you need with your various assets and neophytes labor. If not you are doing it wrong.

[Anonymous No.51554384]

>>51554030
youre right, tax payers do!

[Anonymous No.51554505]

>>51553768
I have $16000 im credit cards with no annual fee. AMA.

[Anonymous No.51554696]

>>51554030
Lol have fun getting your legs blown off for zog. I’ll make sure your wife doesn’t get to lonely while you’re gone bro.

[Anonymous No.51554756]

>>51553973
I just paid my property tax with an AMEX Blue Business Cash card. 2% cash back and a $250 credit quick and easy. And I have 12 months to pay it back without being charged any interest.

[Anonymous No.51554847]

>>51554756
Good goy good, pay early pay extra be the pride of your stock and get me my next g550.

[Anonymous No.51554910]

>>51554847
Pay extra to what? You make no sense and you're not funny, retard.

[Anonymous No.51554986]

If you’re not a poorfag it pretty much pays for itself. Plus all the perks like free Audible, $20 in Uber eats per month, $100 to spend on socks to some fancy store. And these are just fringe benefits.

[Anonymous No.51555009]

>>51554847
Pay extra? He just said no interest for 12 months.

[Anonymous No.51555011]

>>51554910
I would explain it to you but you are obviously mk'd pretty hard and 'self' impressed with your slave habits. Now come on get off here and make that money so I can get my tax cut, these 30k fueling's dont pay for themselves.

[Anonymous No.51555061]

>>51554986
wow free audible, so you mean when your not in a tv trance, you can also put your ears into a hypnotic trance with whatever propaganda is top of the oprah list this month. Ive been missing out.

[Anonymous No.51555090]

>>51554056
yup, just have to spend 14k with the 2% chasback and it pays for itself.

[Anonymous No.51555163]

>>51555061
I listen to audible on my morning runs. Much better than zoomer podcasts or whatever mumble rap you listen too.

[Anonymous No.51555189]

>>51553899
easily pays for itself. also, AMEX dispute resolution is god tier.

[Anonymous No.51555203]

>>51555090
Yeah it’s not a good deal for poors.

[Anonymous No.51555252]

>>51554986
How do you get free audible? Just pay for the subscription with the card and they reimburse?

[Anonymous No.51555307]

the ratio of people who are wannabe business travellers and actually travel for work has reached stratospheric proportions. these cards are so scammy, so clearly intended to make middle class thousandaires larp as something they're not, that its really no surprise they're as resoundingly successful as they are.

>newsflash
if you're actually rich you use cards that aren't commercially available to poors and wagies. you are paying $700 a year for the right to impress some dumb cashier wagie, for most of you thats somewhere between .5% and 1.5% of your annual income. what a joke

[Anonymous No.51555306]

>>51555252
It’s not technically free but Amex will credit you the subscription. So you pay with your card and then sign up for the credit on the Amex rewards page.

[Anonymous No.51555329]

>>51555163
>audible on morning runs
good way to start the day with some propaganda

I dont listen to nigger music, im not a zoomer. But polkka and classical is good. I prefer music that is mere background noise to my the main character, you see im not a NPC and live vicariously through others 'illusions.' Nice try though, but weaker than faggots limp wrist.

[Anonymous No.51555335]

>>51555203
unironically who do you think this card is for?

[Anonymous No.51555361]

>>51553768
I spend ~12k per month with my amex and get around 3000€ in amazon vouchers etc. per year via their membership rewards program. So yes, i will pay the 660€ annual fee.

[Anonymous No.51555387]

>>51555329
>>51555163
just listen to nothing but the ambient sounds of the world around you instead of constant being barraged by MEDIA MEDIA MEDIA every waking moment of your day. ever tried that?

[Anonymous No.51555478]

>>51555387
Based. Only listen to music in foreign languages anons if you can understand the words you are being brainwashed

[Anonymous No.51555502]

>>51555387
I couldnt agree more, but he/she did assume that I listen to something that I do not, so I thought I would clarify. I prefer the bluebirds outside killing the cardinals over music, or the sound of my stew on a low boil stinking up the house with smells that the goyslop restaurants only wish they could produce.

[Anonymous No.51555528]

>>51555387
I just listen to chimp sounds. Human media is trash.

[Anonymous No.51555542]

>>51555329

[Anonymous No.51555594]

>>51553899
You cannot get an American Express Platinum card companion ticket, as this offer is not available anymore. Amex dropped companion tickets as an American Express Platinum card benefit when it revamped its International Airline Program. However, American Express Platinum cardholders can still bring up to two companions into airport lounges free of charge.

[Anonymous No.51555664]

>>51555594
>Platinum cardholders can still bring up to two companions into airport lounges free of charge.
my friend took me in there recently and it was full of snobs and asian guys. The whole place smelled bad like sweaty travelers. We sat down and had a beer quickly before running to the gate

[Anonymous No.51555736]

>tfw got the gold card
Silverlets kneel

[Anonymous No.51555788]

If you cant afford to buy it with cash then you obviously cannot afford it sirs. Credit is a carrot on the end of a stick, so you can keep up with the neighbors while falling behind. The doctor I dated a year ago, made 230k a year. She never needed credit cards, why would you? You cannot live off of 15k net/ monthly? All you need is a good debit card from a interest accruing checking and savings account. Everything else is just a symbolic gesture that you cannot afford what it is that you want, meaning you dont need it anyways. You probably like to refinance your house every few years too, for extra spending money because your job doesnt pay what it should or you have obsessive spending habits due to your mk'd mind and life trauma of the real world. Sorry but you will wage until death doing any of these things, ive seen it among even family that is very well off because they needed to be in their 'ego.'

Get well frens and free yourself from these traps.

[Anonymous No.51555963]

>ID: itYD2D49

Fuck me bruh, did the dude on the Amex card fuck your mum or something?

[Anonymous No.51555992]

>>51554384
based

[Anonymous No.51556286]

>>51555203
If you are so rich, then why do you care if the card pays for itself or not?

[Anonymous No.51556438]

>>51555963
No sir, just sick of people accepting their slavery and upgrading to bigger chains. Knowledge is power, and will truly set you free. When so many of society are slaves to the system that keeps enslaving them, then it makes it harder for those who are not slaves to not get sucked into slavery. So it effects both on a macro and micro level. So yes, it is good to spread knowledge about these scams so that they do not take further hold. Once these scam usary companies and governments go under then, we can go forward into the proper way, and cut out the middle man who is a leech. Like all things in live, to cut out the middle man is just good for finance and business. All the best.

[Anonymous No.51556700]

>>51555306
Thanks Anon. Gonna go give it a try.

[Anonymous No.51556783]

How long do you guys wait before applying to a new credit card?
I just got one from citibank last month.
Got denied by American express for my new ones

[Anonymous No.51556819]

>>51556783
why would I apply for a new credit card. I have a single credit card with good cash back that I put everything on and then pay off at the end of each week

[Anonymous No.51556853]

>>51553973
Any credit card with a sign on bonus. You have to shop around.
0 annual fee preferably or if it does have an annual fee just cancel it after getting the bonus

[Anonymous No.51556862]

>>51555329
>>51555502
>main character/NPC (trope)
>goyslop (slang)
you are not immune to propaganda

[Anonymous No.51556867]

>>51556819
Credit card churning

[Anonymous No.51556879]

>>51556862
yes goy, please continue to patrol the internet and call out anyone making antisemitic remarks.

[Anonymous No.51556929]

>>51555788
I make over 210k per year and can barely maintain a middle class lifestyle. That 210k becomes about 120k after all of the taxes/benefits/401k/etc come out of the paycheck.

So I am left with an actual 10k a month that reaches my bank account. Here are my bills:

Mortgage: $4500
Student loans: $1500
Food: $800
Electricity:$600
Car loan: $380
Gas: $200
Cell phones:$100/month
Internet: $120/month

So at the end of the month I only have about $1500 free to spend on stuff.

200k really isn't that much anymore :(

[Anonymous No.51556938]

>>51553768
Where's my amex gold card chads?

[Anonymous No.51556973]

>>51556929
Ever thought about changing some of your spending habits?

[Anonymous No.51557123]

Sam Hyde had a pretty good podcast about how to cheat the credit card system. Basically, you just sign up for the bonuses then cancel the cards. Currently, the highest card bonus is 120,000 miles for the amex delta platinum. This is worth about $1200 in cash or $2500 in airline credits. Anyway, the link is:
https://americanexpress.com/en-us/referral/STEPHBc8vE?XL=MNACP

[Anonymous No.51557142]

>>51556929
Why is your mortgage 4500 a month? Are you poptarded, bet you did 0 down?
>only have 1500
You are not saving shit are you?
>800 for food
lol you fat fuck, unless married still a lot. I could survive off 150 for food a month.
loan loan loan subscriptions.
You are lying about what you spend on or you are a tard. Meh, can lead a cup of water to horse, but can't pour it on it.

[Anonymous No.51557522]

>>51557142
House is about 2500 sq ft, bought for 900k. I put 150k as a down payment. 750k financed at today's interest rates is $4500/month.

I spend $800/month on food because I have a wife and 3 kids. You thought I ate all that by myself?

[Anonymous No.51557540]

>>51557522
I bought the house about 3 months ago so I could buy the dip. Property is down about 10% in my area from last year.

[Anonymous No.51557762]

>>51553768
Holy fuck, imagine being so unironically poor that the annual fee for an Amex Platinum is a lot of money.

[Anonymous No.51557812]

>>51554030
Uh, I would rather have my dignity than a fucking credit card

[Anonymous No.51557926]

>>51553768
My card cost $250 a year, gives %5 cash back plus benefits. I feel like if you get back more then you pay then it's a good card.

[Anonymous No.51557942]

>>51553768
I get more cashback on this bad boy which costs me nothing

[Anonymous No.51558020]

>>51554910
I can only assume that anon is referring to the time value of money. As in if you pay it back now instead of in 12 months you miss out on the possible returns you could have gotten on it. Like take a look at 6 month t-bills which will give you 3-4%.
>>51555788
>If you cant afford to buy it with cash then you obviously cannot afford it
Who says you can't afford it with cash? In fact, the only people who should use a credit card / the only time you should use one is when you already have the money. In which case you get all the benefits they use to lure and debt-trap people who are shit with money, with none of the down sides. That and better credit and interest rates so you end up paying a lot less for other shit too. The only people who act the way you're talking are poor and always will be.

[Anonymous No.51558160]

>>51553768
i'm a third worlder and only pay 100$ plus i have 6 months free of charge

[Anonymous No.51558333]

>>51557942
This card is not available in any first-world country.

[Anonymous No.51558421]

>>51558333
It's available in all of the richest countries on earth

[Anonymous No.51558477]

>>51553768
It's a good card. You get 24 hour concierge service and other rich people coddling shit. If you can churn enough, you'll end the year in the green and have ridiculous privileges to show for it.

[Anonymous No.51558518]

>>51557522
How is your take home only $120K when you are married and your top bracket is 24%. Should be closer to 150K. Do you live in some poz'd state with high state income tax?

[Anonymous No.51558552]

>>51557123
KYS you piece of shit referral shill

[Anonymous No.51558722]

>>51558552
No U

[Anonymous No.51558746]

>>51558518
California

[Anonymous No.51558785]

>>51558518
He said he contributes to his 401k. I make a similar amount of money and max out my 401k so the math checks out.

[Anonymous No.51558786]

>>51558746
Rip

[Anonymous No.51558787]

>>51558746
lol, lmao even

[Anonymous No.51559238]

>>51554756
Do you own a business?

[Anonymous No.51559258]

>>51553768
No I won't
>military

[Anonymous No.51559305]

>>51555090

You realize 14k is nothing right. Also I have used the Amex extended warranty benefit for hundreds of dollars in a year alone. They literally don't even ask you for proof when you put in a request that's <$100

[Anonymous No.51559680]

>>51559305
I know my hanger for my g550 costs 200k a month and my golf club membership is 2.2 million a year for the membership dues. But boy do we have a good time. Thank god there is suckers willing to let us rip them off so we can live like this. Am I right or am I right?!

[Anonymous No.51559926]

>>51555736
gold card is the smart and patrician choice

[Anonymous No.51560063]

>>51555478
This but unironically.

[Anonymous No.51560158]

>>51553768
>200 dollars in flight credit every year
>200 dollars in hotel credit every year
>155 dollars for walmart+ subscription
>189 dollars for CLEAR membership
>global airport lounge access for free
>15 dollars a month in uber credit
>sign on credit bonus worth 2,000 dollars of points
seems like it easily pays for itself

[Anonymous No.51560430]

>>51555736
I just use the free green one
Essentials or something
Maybe it's only in Australia

[Anonymous No.51560445]

>>51559926
I have the gold for my business, and platinum for my personal :^)

[Anonymous No.51560490]

>>51553768
Bull market /biz/
>meme stocks
>meme coins

Bear market /biz/
>how to start a GrubHub side hustle
>what color credit card should I go into debt with

Grim state of affairs

[Anonymous No.51560530]

>>51560490
Almost makes you miss pregnant butt threads and endless dogshit mania

[Anonymous No.51560557]

>>51559238
You can pay with a credit card, write it off, and still collect cash back.

[Anonymous No.51560559]

>>51559238
Nope. I lied on the application.

[Anonymous No.51561179]

>>51560158
Sam Hyde gets it. You can sign up for these then cancel for the huge bonuses. Biggest Amex bonus right now is through this link:
https://americanexpress.com/en-us/referral/STEPHBc8vE?XL=MNACP
You get 120k points which is worth at least $1200 in cash or about $3000 in plane tickets.

[Anonymous No.51561211]

>>51560490
You've really missed a lot, fren. It is relatively easy to get $20k+ per year in freebies from the credit card companies.

[Anonymous No.51561242]

>>51554696
Based

[Anonymous No.51561263]

>>51558333
Checked

[Anonymous No.51561741]

>>51561179
first of all, i'm not using your referral link stephen
second i'm not doing business platinum, it requires a 15k spend in 3 months which i'm not doing

[Anonymous No.51561757]

>>51553768
i will max out the credit line and never pay it back

[Anonymous No.51561786]

>>51553899
>steel cards
Lol, the amazon card is steel.

[Anonymous No.51562125]

Almost about $2k in cashback for the year for my credit cards, not including the current month nor the 1st two months of the year on the costco card. Which I am going to downgrade from executive since I doubt I will spend over $3k again in warehouse next year.

[Anonymous No.51562891]

so many poorfag on this thread. discussing <1k....

[Anonymous No.51563089]

protip anons

you can pay your credit card bills with the coinbase debit card (4% cash back atm). or any debit card i guess

stack your cash backs

[Anonymous No.51563110]

>>51554030
You Raytheon thugs are the biggest welfare queens on Earth

[Anonymous No.51563596]

>>51553768
1.5% back on purchases over $5,000. I get over $30,000 a year in points (not 30,000 points) $30,000 a year in points to spend on whatever I want. For a 0% card with a $695 fee. You guys are retarded. It's an amazing card.
Call up a hotel and rooms are all booked? Call the concierge number from Amex room booked in 15 minutes

[Anonymous No.51563685]

>>51563089
How? The 2 cards I just checked said auto pay had to be set up with a bank account not debit card

>>51563596
>1.5% back on purchases over $5,000. I get over $30,000 a year in points (not 30,000 points) $30,000 a year in points to spend on whatever I want.
Doubt you spend $2 million on a card a year and if you did, there are plenty of other cards that offer better than 1.5% cashback

[Anonymous No.51563747]

Chase Sapphire Reserve Stealth Wealth Chad here

[Anonymous No.51564145]

>>51562891
it says crickets on the front label disingenuous chud

[Anonymous No.51564372]

>>51555011
>hurhur
>many words, nothing said

[Anonymous No.51564451]

>>51563685
paypal

[Anonymous No.51564531]

>>51563747
I want this card for the bonus offer so bad but chase won't give it me because I keep opening a bunch of new credit cards each year.