Credit card general /ccg/

[Anonymous No.53825681]

Credit card general. What cards are you stacking, bros?

I have an AMEX gold card and recently acquired the Hilton surpass card. After I get the welcome bonus on this one, I’m thinking about getting the no fee delta card because I live near a delta hub

[Anonymous No.53825695]

>>53825681
What benefits do these "gold", "platinum", "black", etc. cards give you?

[Anonymous No.53825712]

amex plat and chase sapphire reserve

[Anonymous No.53825735]

>>53825681
I got the normal Hilton card last month. Just got my 100,000 honors point bonus. Basically enough for 2 hotel stays. Might open up a Marriot card next if there are any good bonuses.

[Anonymous No.53825807]

>>53825695
points. but most importantly, something poor fags here wont get, credit cards have limits. a discover with a 10k limit is no help, espeicallly if you wanna keep your utilization below 10%. That is only 1k a month in spending power to be conservative. Amex is a charge card, so however high my balance is at the end of the month has no negative effects on my goyscore.

[Anonymous No.53825879]

>>53825807
This. Retards max out their cards easily. If you make a big purchase on your card, pay off the balance ASAP. Leaving a balance usually isn’t bad if it’s under 30% though. Under 10% is always the best obviously.

[Anonymous No.53825933]

*yawn* credit cards are a scam. i don't care about 1% cash back. would rather save my $100 than spend $100 just to earn a measly $1. all cc companies are run by kikes so there is your other reason. intro bonuses are great and all but you still need to forcefully spend money to get the bonus. why not try to not spend at all?

[Anonymous No.53826027]

>>53825735
My strategy is to exclusively stick with Hilton for hotels and Delta for flights for the loyalty rewards

[Anonymous No.53826040]

>>53825933
If you don’t spend money you don’t have, you won’t have an issue. It’s nice to earn extra shit/points/whatever by spending $1000 in a month and paying it off in time instead of spending $1000 on a debit card. And I agree they’re overall scammy as fuck but they help my goyscore so whatever.

[Anonymous No.53826046]

>>53825933
l use it for travel and maintenance. I open a cc every 2 years to get a free money.

Have all of your mobile bank apps all grouped in a folder accessible by faceid, solves the issue of staying on top of it. I manage all this when i take a shit. I also have a wallethub account to keep track of all my credit cards and my credit score. You can literally have 10 credit cards, all with 0 balance and never pay a dime. 810 credit score btw.

[Anonymous No.53826060]

>>53825933
Because we’re rich and have big cocks

[Anonymous No.53826188]

>>53826046
Based

[Anonymous No.53826277]

>>53825695
>what benefits does it give you

[Anonymous No.53826495]

>>53825712
Lame person who wants to look cool

Dollar for dollar the citi double cash card is the best on the market unless you have niche spending habits like international flights/hotels. Otherwise get the $ and do with it what you want.

[Anonymous No.53826506]

>>53825933
You will spend money regardless retard so why not get some freebies while you're at it?
It takes a few years to get something good but you won't get anything without one.

[Anonymous No.53826638]

>>53825681
Have a few, but mainly use AMEX Platinum. Be warned though, when you use this card best to have a life raft handy, because when the ladies see that big boy come out, the pussy is about to flood.

[Anonymous No.53826751]

>>53825681
I have a total credit limit above 100k and a couple cards with limits above 30k. My utilization is below 1% and I pay my full balance every month. My credit score is above 800.

I have a few cards I use to optimize my cash back.

NFCU black card: 2% on everything and 3% on travel
Amex blue cash: 3% on gas and groceries
Amazon card : 5% on Amazon
Chase freedom: 5% on rotating categories
Discover it: 5% on rotating categories.

All told I probably average 3/4% on all purchases. I also have little labels on my cards which show what they're good for.

[Anonymous No.53827752]

>>53826638
Based

[Anonymous No.53827782]

>>53826638
Lmao

[Anonymous No.53829071]

>Citi Custom Cash for 5% back on groceries (or gas if Discover It/CFF have 5% back on groceries that quarter)
>Chase Freedom Flex for 5% back on rotating categories + 3% on dining
>Discover It for more 5% on rotating categories
>Sofi Credit Card for general 3% cashback
>Amazon Prime Visa for 5% back on Amazon
>Some CapitalOne/Amex cards I churned for intro bonuses and never use

I don't know which card to get next. The 5% cards I have now are what I use 99% of the time as it is. I don't know if churning some cards is worth the credit score hit short term

[Anonymous No.53829097]

>>53825933
Every financial institution our entire economy runs on is ran by kikes, so what. Unless you're shopping somewhere that has a discount for not using a debit/credit card for paying there's no point in not using them (unless you're a nigger or white trash retard who carries a balance and goes into credit card debt, which is like 8/10 americans)

[Anonymous No.53829159]

i blew up my credit cards years ago debt maxxing and now i don't have the money and my credit sucks

[Anonymous No.53829173]

>>53826027
Delta nerfed their Skymiles, they are worthless now. Stay away.

[Anonymous No.53829182]

>>53829159
Many such cases

[Anonymous No.53829219]

God damn how the fuck do you all have such crazy limits?
I just got myself up to 8k with 3 basic bitch cards

Capital one
Td
PayPal card

My credit hover around 680
I would fucking cum my pants if I could get above 40k

[Anonymous No.53829304]

No credit cards.
No debt whatsoever.
Feels great man

[Anonymous No.53829309]

>>53825681
I have 25+ active credit cards. Which one you want??

[Anonymous No.53829332]

>>53826638
Lol, lmao even

[Anonymous No.53829385]

>>53825681
redpill me on sapphire preferred vs capital one venture rewards

[Anonymous No.53829485]

>rejected from CC bc no fixed income wagie work
Fags

[Anonymous No.53829487]

>>53829219
Just apply for more credit cards. CapitalOne are cunts if they're your first provided or issued you a card when you had subprime credit score it seems. I have 100k available credit and Cap1 still refuses to increase my credit line on my SavorOne from $1,200.

[Anonymous No.53829543]

>>53825681
Best ones are the Amex Hilton Honors Aspire for hotels & whatever is your airport's main airline card if you fly a lot. I use United Club Infinite.

Can also get Amex Platinum for status but it's gotten worse over the years.

The best card is the Hilton one. Free nights in 5 star resorts, save hundreds/thousands on room upgrades & discounts on rooms, etc...

[Anonymous No.53829665]

>>53829219
I couldn’t care less about my credit limit, but I think it’s $100k

I don’t spend $100k in a month

[Anonymous No.53829963]

Credit card churning > the rest
Imo

But here's what I'm using atm.
Gemini 10 % gas for 1 yr
Citi custom cash 5% 1 category
Walmart capital one 5% Walmart (with some hoops)
PayPal 2% everywhere and 3% if you can pay with Paypal

I have more but I'm not using them now

[Anonymous No.53830510]

>>53825712
Why both? I have the Reserve but see no reason to get the platinum

[Anonymous No.53830556]

>>53825933
>Free money is stupid
>- /biz/ - Business & Finance

[Anonymous No.53830931]

>>53825807
whats the minimum for a amex blue card for a poorfag such as myself?

[Anonymous No.53831080]

>>53830556
1% cashback is literally fucking nothing, not worth having, especially not against the risks involved

[Anonymous No.53831101]

>>53831080
what fucking risk?

it's really not hard to treat it like a debit card, i.e. don't fucking spend if you don't have the money to immediately pay it off

[Anonymous No.53831117]

>>53831101
I am unlucky enough that I would get hit with a 30% interest or whatever the fuck they charge. Nah no thanks

[Anonymous No.53831145]

>>53831117
you wont get charged interest if you pay your balance every month.

the only way it's a "risk" for anyone is if they're too stupid to keep track of their spending.

honestly i'm glad dumb people like that exist, they subsidize my cashback rewards and points

[Anonymous No.53831150]

>>53825807
You can use any credit card as a charge card, retard. If you spend $10k on a card with a $10k limit and pay it off before the closing date, it won't affect your goy score. At least you have the option of not paying it in full at the end of the month if you really needed the extra money.

[Anonymous No.53831163]

>>53825681
Got declined again. What's the easiest credit card I can get. I'm a mid 20s grad student and I haven't been building credit

[Anonymous No.53831165]

>>53825681
What's the score and income needed for the Amex Hilton card?

[Anonymous No.53831166]

Does credit really matter after you already have a house and a car? Feel like now's the time to start churning these fuckers. My score is around 810.

[Anonymous No.53831171]

▲
▲ ▲

[Anonymous No.53831174]

>>53831163
get a secured credit card and use it for a year while keeping utilization below 25% and pay off your balance every month. after a year you will probably have enough established credit to go for a real card and get your deposit back on the secured card.

[Anonymous No.53831176]

>>53831163
You should at least have a checking account with a bank at this point, right? Walk into your branch and talk to one of the advisors and they will tell you which one of their cards you qualify for so you can start building credit on it. Or call them on the phone if you’re autismal.

[Anonymous No.53831184]

>>53825933
>Tens of thousands of dollars per year in normal expenses
>stores don't give 2-3% cash discount
>throwing away $500-1000 annually
ngmi

[Anonymous No.53831189]

>>53831117
jfc just set it up to automatically pay the balance in full at the end of the month

[Anonymous No.53831314]

>>53831080
>1%
2-5% on everything I purchase
>risks
We aren't women or nogs, there's no risk

[Anonymous No.53831591]

>>53831163
discover it secured card probably

[Anonymous No.53831599]

>>53831174
how does one into AMEX?

[Anonymous No.53831689]

>>53831314
If anything a debit card is more risky because your bank is not obligated to cover you in the case of fraud. Also if the vendor fucks you the credit card company can get your money back and your bank can't.

[Anonymous No.53831751]

Got the Gemini card recently for their 10% back on gas promo for the first year.

SoFi card for 3% flat CB for the first year.

Also got a Discover It for the 5% quarterly categories. Use it a lot more than I expected, probably going to apply for a Freedom Flex after a few older inquiries fall off my credit report.

[Anonymous No.53831822]

>>53829219
apply for more cards. eventually the bank will raise your limits. you can also ask them to

[Anonymous No.53832161]

>>53825681
Just got my first card for my s-corp. Chase Ink business. Running as many of my biz expenses as I can thru it.

[Anonymous No.53832369]

>>53831176
Yeah, but last time they had a college card which was for those building credit was removed. I applied for another one they told me about and got rejected
>>53831174
>>53831591
Cool I'll check it out thanks

[Anonymous No.53832457]

>>53831599
Just apply because Amex approves anyone with a pulse lmao

[Anonymous No.53832478]

1. Card with best % cash back on groceries?

2. Card with best % cash back on dinning?

3. Card with best % cash back on gas?

Thox

[Anonymous No.53832513]

>>53825681
How the fuck do i get a credit increase?
I tried "wash trading" my savings account sending money and withdrawing (to give it back to whoever gave it to me) spending a couple grand with various credit cards and paying the debt in full each month and still nothing...

Why are not banks or credit cards companies giving me an increase for being a good goy? My credit score is excellent wtf

I want fo fuckin debtmaxx the cards and scam bank kikes right now....

Im going to miss the bullrun train

[Anonymous No.53832533]

I'm not going to get into details but I have a couple of small, unknown crypto-to-fiat/CEX credit cards from foreign countries. Of course only from countries where the banks are obliged to report all transactions to the EU and the US so I can file my taxes correctly. Definitely not from the few countries outside of those jurisdictions. It's important to pay your part.

[Anonymous No.53832874]

>>53832533
Can you guide me to this anon?

[Anonymous No.53833588]

>>53826751
i dont understand why youd get the NFCU black card when there are better options out there just based on cashback.
chase travel gives you 5% and you can get 2% cards on everything from wells fargo (visa) or citi bank (mastercard) without having a yearly fee. none of the NFCU cards seem compelling enough truthfully. am i missing something?

[Anonymous No.53833749]

>>53832513
You have to call the number on the back of your card and ask

[Anonymous No.53833797]

>>53833749
>You have to call the number on the back of your card and ask

Seriously?
I thought i had to ask directly with my bank since they are the ones giving credit cards and limits to customers