/fa/ - Fashion

[Anonymous No.17043515]

What are some effay credit cards, bros? Just got approved for this bad boy and will be getting it on tuesday.

[Anonymous No.17043532]

>being proud of willingly entering debt slavery

[Anonymous No.17043603]

>>17043515
you really cant be that stupid.

[Anonymous No.17043610]

>>17043532
>so financially braindead he thinks everyone carries balances on their credit cards.
it's all about those statement credits and reward points.

[Anonymous No.17043624]

>>17043532
Dood it looks shiney and has a warrior figure on it

[Anonymous No.17043636]

>>17043515
based. i have the same card and its pure kino getting that sweet points bonus offer and 5x on restaurants

>>17043532
>>17043603
literally the only way credit cards are bad is if you carry the balance. in fact if you set aside money you already have to autopay it every month its no different than a debit card, only that you get perks and bonuses

only brainlets actually carry a cc balance and would be afraid of a fucking card lmao

[Anonymous No.17043659]

It is more effay to carry cash to avoid taxes

>>17043532
Lmao, creditlet

[Anonymous No.17043799]

>>17043515
This

[Anonymous No.17043807]

Chase Sapphire Reserve is maximum effay

[Anonymous No.17043830]

>>17043799
>infinite privilege
>isn't white with a rainbow smear on it
wat

[Anonymous No.17043839]

I have 2 Amex for business and they definitely are good looking. Honestly though, I just use Apple Pay in person. The true effay credit card is convenience.

[Anonymous No.17043843]

>>17043515
>Danial
shalom!

[Anonymous No.17043846]

>>17043799
>.ca

[Anonymous No.17043849]

Only 2 cards worth debating on.

[Anonymous No.17044211]

>>17043515
Annual fee fucks me and benefits are absolutely not worth it but oh well.
Customer support is 11/10 and it's extremely effay at least.

[Anonymous No.17044225]

>>17043610
Statistically most people with credit cards do go into debt

[Anonymous No.17044335]

>>17044225
your point? they subsidize the points, perks, and benefits for those who know how to use the card properly

[Anonymous No.17044340]

>>17043659
>It is more effay to carry cash to avoid taxes
Have fun when the feds come knocking.

[Anonymous No.17044359]

>>17043849
I have the sapphire reserve and I think it’s a better card bonus-wise than Amex platinum, but the platinum is weightier and better looking.

[Anonymous No.17044363]

>>17044211
Did you really buy a fake centurion card online? That’s sad man. The real ones have a border.

[Anonymous No.17044367]

>>17043610
You can literally pay of your credit card in real time these days. I don’t even wait till the end of the month. I make a charge, and pay it off.

[Anonymous No.17044376]

>>17044363
It's real. That's what they look like now.
You are talking about the old design.

[Anonymous No.17044627]

I just picked up an X1. It's (afaik) the only non-annual fee metal card. And it's not too tacky.

[Anonymous No.17044811]

I always get a mean look from the cashier at thrift stores whenever I pay with my amex gold, what the fuck?

[Anonymous No.17045007]

>>17044627
been trying to get X1 invite but they wont let me through the waitlist

[Anonymous No.17045038]

>>17045007
heres a code if you wanna use mine: MpTWFCc

[Anonymous No.17045401]

What's the point of a credit card when you can just get a loan

[Anonymous No.17045405]

>>17044225
not me nigga

[Anonymous No.17045660]

>>17044627
The Apple Card is free and its titanium, fucker is heavier than the Amex platinum.

[Anonymous No.17045716]

Do you guys know how travel cards work? Are they really just going to let me fly for free if I get enough points?

[Anonymous No.17045765]

>>17045716
>>17045716
Yeah, I have the Reserve by chase and they give me $300 for anything travel (knocking down the $550 anual fee to $250) plus more shit like points that are worth way more than cash back so I always come on top. Plus all the other shit they give you like free door dash and access to airport lounges and more shit

Don’t let anual fees scare you if you actually do travel.

[Anonymous No.17045773]

>>17045660
What if it bends?
>>17045765
Have you added everything up and found that it comes out to being less?

[Anonymous No.17045774]

>>17043636
This, I've gotten over $10k in credit card rewards over my lifetime, that's free money because I have never once carried a balance over 0% APR. I do take advantage of some 0% offers and put them on autopay to be completely paid off by the time the offer ends, but only for large purchases I had planned like stuff for my house, vacations, or luxury watches.

[Anonymous No.17045783]

>>17045773
Yeah, I wouldn't be paying for the annual fee if I was ending up losing.
You should give it a try, they usually have some amazing intro bonus and if its not your thing, just ask for a product change to one with no AF or close the account, do keep in mind that you need a bulletproof credit score for at least the CSR, I think the minimum credit limit they give out on it is $15k and its part of the Visa infinite cards which there aren't that many.

[Anonymous No.17045787]

>>17044211
Why even have it then, normies are amazed by either of the gold or platinum amex anyways since its a still metal card.
Fuck I even had someone lose their shit over the Apple Card (I always give that one out at bards bc it has no numbers or security codes just my name) and that one is free.

[Anonymous No.17045789]

[Anonymous No.17045801]

>>17043532
Just have a little discipline and refrain from spending more than you can pay off in a month.

[Anonymous No.17045807]

>That guy in the group who pays with a debit card

[Anonymous No.17045944]

>250 dollars annual fee

who the fuck pays that much for a credit card? do you get free shit or something?

[Anonymous No.17046260]

>>17045807

[Anonymous No.17046307]

all other credit cards look like complete dogshit compared to the Apple card, which is free
if you pay fees for your credit card you must be retarded

[Anonymous No.17046327]

>>17043515
Platinum is a great card, but Gold suits my lifestyle more so I downgraded to it. Amex is great I've been a member for a long time

[Anonymous No.17046357]

>>17045401
intrest on loans are higher

[Anonymous No.17046373]

>>17045944
In Europe at least you get like 4 "free" lounge accesses per year (value somewhere around $100) with the gold card. So no it isn't really worth it compared to the regular green card.

[Anonymous No.17046384]

>>17046357
lol what

[Anonymous No.17046456]

>>17045944
the amex gold comes with $240 worth of statement credits ($10 a month for dining, $10 a month for uber), so if you actually make good use of it, it's a $10 annual fee and you get all of the other point benefits.

[Anonymous No.17046572]

>>17046307
Small brain move
An annual fee is made so small spenders (ie a poorfag like you) go with something more basic, if you actually don't make up by using all the benefits and credits, then yeah I can see why you think its stupid, but for anons that travel and spend money, its a no brainer.
Also, there's far better free CC than the Apple Card, I seriously hope you only use it to buy Apple shit and the few merchants that give you 3% back.

[Anonymous No.17046582]

>tfw only time I get to use the metal cards are in restaurants
Apple Pay is just too convinient.

Also, Apple made a nice looking card but made sure you never use the real card ever.

[Anonymous No.17046833]

Fun fact
Amex Platinum cards are two pieces of metal stuck together (or were, my new one isn't). Apparently, cocaine will get stuck all up in there when you chop it up. I probably had a gram of blow stuck inside my old Platinum card.

[Anonymous No.17046852]

Ive got both, has been mentioned several times whenever i whip them out, normies mire
However, theyre NOT worth it unless you really travel or eat out a lot. And if thats the case youre already burning money on shit you dont need (unless its for work and youre getting it comped)
I only got both to get the fat signup bonuses because i had a big tax bill this year

[Anonymous No.17047468]

>>17046852
I never got why Amex is ok if you have gold and plat but chase doesn’t let you have both preferred and reserve

[Anonymous No.17047971]

>>17045038
didn't see this man

[Anonymous No.17047994]

>>17047468
They have different rewards categories. Platinum is only flights and hotels, gold is only restaurants

[Anonymous No.17048005]

>>17044225
statistically most people are retards and it sounds like you're one of them

[Anonymous No.17048049]

weird LARP thread

[Anonymous No.17048127]

>>17045944
you get 4 points per dollar spent when buying groceries or eating out to a max of 25k per year

[Anonymous No.17049790]

Current rotation is:
>Shitty starter Capitol One card
No annual fee, my longest-lasting line of credit so I need to keep it going. Just keep it in a drawer.

>Amex Gold
Main points earning card, use it for groceries and eating out, plus the monthly credits makes it a good card.

>Chase Freedom Unlimited
No annual fee, great for the drug store, want to maintain my Ultimate Rewards account without having to pay another high annual fee. Will consider a Sapphire if I get a good offer, though.

>Wells Fargo Active Cash
2% cashback for everything else

[Anonymous No.17050297]

>>17044376
It looks sketchy, post the back part where the customer support is stamped covering them digits.
Plus you can pick among a number of designs, if you didn't get to pick it's one more reason to be suspicious.

[Anonymous No.17050304]

>>17043515
>not getting business cards to be... taxed "more fairly"
>not owning your own business
>not going on cocaine-fuelled rants about how taxation is theft despite making a killing
>not trolling poor people pretending to hate them for no good reason other than piss them off and accelerate the class war because you're a schizo
ngmi

[Anonymous No.17050467]

>>17050304
cool larp

[Anonymous No.17050468]

>>17043515
>amex
Enjoy 8% upcharges retard lol