/biz/ - Business & Finance

Same shit.

how many mental hoops do you have to jump through to convince yourself that credit cards aren't kikery?

>>14769247
>credit cards
Anon, do you not know about debit cards?

>>14769247
This is 4channel and racism will not be tolerated. Take it to 4chan.org/pol

>>14769248
What're those?

Debit card always. Credit cards are for brain dead. Seriously

>>14769247
>buy on credit card
>pay back full balance at end of every statement period
>no interest ever applied and extra protections under the law
Wow I sure got jewed.

A CHALLENGER APPEARS

>not having a credit card that offers no interest as long as you pay on time
>not upping your credit score just because it gives you more benefits in the long run.

>>14769251
See
>>14769252

>>14769254
Based

>>14769252
it's extremely difficult to do that 100% of the time

>>14769248
>>14769251
pre-paid cards > debit cards > credit cards

>>14769256
How?

>>14769250
Jews aren't a race and it has nothing to do with hooknoses or halfhats.
Jew is an ideology, and you can be a Jew no matter who you are.

>>14769256
>it's extremely difficult to not spend money I don't actually have
Kill yourself inbred

>>14769251
What benefit does the debit card serve you?

>>14769256
How is it difficult to do? You fucking learn what your payment date is and pay it off in full beforehand. He is gaming the "payment history" shit that the Credit Score companies want and accruing points if his card allows it. Hes not buying a fucking roof or 10k worth of repairs to a car at a time, he is buying a tank of gas or coffee from the store. The same shit you would do with a debit card. But in his case a thief put a card reader on the pump its the banks who have to deal with the theft of funds. If they lift your debit card you're out of the funds until some suit decides it was a legitimate scam.

>>14769260
What purpose does the credit card even serve then?
You're borrowing money on the pretense that you'll have it, why not just have the discipline to wait until you actually have it?
Loans are fucking dumb as shit, no matter the amount. It's an unnecessary, convoluted addition to installment payments.

>Never applied for credit ever
>Bank keeps filing black marks on credit history file because I withdraw my OWN money from the ATM as soon as I get payed
>Literally punished for not letting Mr Goldberg keep my own money

Fuck banks, fuck credit, fuck longnoses

>>14769247
>get credit card
>accept terms
>sign contract
>be well aware of the costs of paying later
>pay later anyway
>place yourself in unrepayable debt
>do all of this voluntarily
>"WAAAAAAH, I GOT JEWED! PLS DADDY GUBMINT PARDON MY DENBTS!"
People like you deserve all the bad things that happen to you.

>>14769256
It's very easy so long as you're not a retard

Anyone who doesn't have the discipline and self control to use a credit card like a debit card in order to take advantage of those top tier perks, yet never have any debt, is a mouth breathing retard. The multiple insurance options I get plus travel discounts and rewards points are great and I've never once out any debt on it. You just pay off the card at the end of every day. The bank absolutely bends over backwards to treat you well and give you extra perks in a desperate attempt to make you spend more. As long as you are smart enough to ignore their tricks you are good.

tl;dr Visa

>>14769264
You're just jelly you didn't think of this before they did and they got rich doing it and you didn't.

>>14769258
>>14769260
>>14769262
the card provider actively seduces the user with ''''benefits''''
>100% of the time
you will fall for it once or twice

>>14769264
Why do you even have a bank account?
Just cash your checks, what the fuck.

>>14769259
Odd that it's hooknosed people who are Jews. It's almost like there's predisposition for specific behaviors that correlate with other inherited features.

>>14769263
Because (((they))) have created a system where if you don't regularly apply for and use credit, you can't build up a credit history and therefore can't get credit when you actually need it. So you have to play the game of applying for small amounts of credit that you don't need, then paying it off as quickly as possible. They are hoping you are weak willed or will just forget so they can charge you fees for non-repayment.

>>14769245
I use a Visa, it never failed me once except the Playstation Network store won't take it for some reason (it fails every time) - I think this has to do more with my shitty bank than Visa themselves though. I'm happy with it. It's probably the most important thing I have, since 99% of stuff that I buy (other than food) is from online shops.

>>14769256
>DURR NUMBERS N COUNTIN R HAARRDDD
>IS NOTNPOSSIBLE TO LIFE WITHIN UR MEANS AND SPEND RESPHNSINLY

>>14769270
This. I don't have a bank account either, I have direct deposit set up on a Bluebird pre-paid card and I just use that for all my payments, and I can withdraw cash from any MoneyPass ATM. All of that with no fees whatsoever.

>>14769247
>actually be responsible instead of a nigger who instantly maxes it out because he can't defer gratification at the brain level
>Use Credit Card like a debit card by paying it off
>get to keep money acrewing interest for longer while also getting cash back for free

>>14769273
The PS store never takes my RBC visa card.

>>14769263
>safer
>benefits your credit score
That's about it.

>>14769271
This. Everything is genetics. Our entire behaviours are deterministic. There's no free will.

>>14769275
That's still a bank account, dumdum. The card is just a piece of plastic with it's ID stored on it.

>>14769247
PSA to retards who use debit cards: DO NOT USE DEBIT CARDS. If your debit card gets stolen and someone drains your checking account, the bank is legally obligated to search for their money for 30 days at which point they give up and you have to eat the loss. If your credit card is stolen, you are on the hook for $50 or so depending on how quickly you report the first fradulent charge, at which point you are off the hook and the bank has to look for its money until it finds it or gives up. Debit cards are unsafe and can leave you broke, credit cards are always safe if you aren't retarded.

>>14769279
Tigers have free will to sustain themselves on vegetables, but they choose to kill innocent animals instead.

>>14769280
https://www.bluebird.com/
>Bluebird is not a bank account and is not issued by a bank.

>>14769272
>Go to car dealer
>Agree on a monthly installation
>Put a down payment in cash as well as the first two month's payment
>Actually we can't allow this as you have no credit history on file
>Can't even pay for cellular service from Verizon

Most of you are retardes
I put hundreds of thousands per year through my credit cards and not one dollar of interest.
I use the points for frequent flyer miles and upgrade my many trips to business.

If you aren't stupid it is literal money for.othing.

Ps. American express is the best for points by a fair margin

>>14769276
How much have you made in interest/cash back?

>>14769248
don't confuse ameriwallmarts

>>14769282
There is no innocence because there's no free will. Evolution and quantum physics showed that something can come from nothing, therefore disproving the existence of God - the corollary of which is that there's no such thing as reason. There is no truth, no beauty, no justice, no morals, nothing. We think there is because we live in a Matrix, but that's just our perception of the world. All of this is proven fact.

>>14769285
For air travel, yes.
There are a other cards that give better rewards for general purchases.

>>14769284
>Can't even pay for cellular service from Verizon
Get Cricket Wireless then, bucko.

>>14769265
Problem is most ppl are too retarded to take fiscal responsibility. The credit card firms take advantage of that.

>>14769291
>system weeds out brainlets
Yet another reason to praise it, anon.

>>14769291
Better yet they think it's elitist to suggest that you should treat a credit card like debit and pay it off in full every month.

>>14769278
Safer than cash, or safer than debit cards, which are nonsensical?
Pretty sure the entire argument against credit cards is specifically against the credit score system, and its almost mandatory status.
>have money
>can't receive service because of no credit
hwat
The only even remotely investment a credit score could make sense in is for a house or a business, and even then where were these faggots when they weren't crosschecking anything and caused a global crisis?
The credit system has virtually no business being in 90% of people's lives.
You can't even pay for a cellular plan because of credit.
A SERVICE THAT CAN BE CANCELLED ANYTIME WITH THE FLIP OF A SWITCH CAN'T BE ACCESSED UNLESS YOU HAVE CREDIT
Yeah but the system is beneficial for the people, right, as it continues to creep into no-risk ventures that protect large corporations who spend the money they save by lobbying their monopoly of shitty customer service and infrastructure to retain exclusive service rights.
Banks can suck my wrinkly nuts.

>>14769292
I like you.
You’re very based.

>>14769276
>>Use Credit Card like a debit card by paying it off
Europeon here. How does that happen? DO you have to connect to your bank website on the last day of the statement and you have to manually debit it or is it automated? Cause if it's the latter there's almost no difference from debit.

>>14769296
>he doesn’t use direct debits
Lel

>>14769290
>Subsidiary of AT&T
>Checking account required
OY VEY

>>14769296
it can be automated or manual. im autistic and like to manually pay off my credit card twice a month

>>14769245
VISA by a mile if you are just going to use it like a normie for bills and amazon purchases. Amex is better if you need a business account or travel a lot though.

>>14769298
>made up FUD
I know for a fact that's not true because I don't have a checking account and I use Cricket. I just pay by cash every month face to face at the closest Cricket store.

>>14769290
>not using Ting

>>14769245
Reminder: Visa/MasterCard/Discover is a different business model from American Express.
Visa, MasterCard, and Discover make money from charging interest to the people stupid enough to not pay off their balances every month. Amex, on the other hand, makes money by enticing big-spending rich people with huge benefit programs and then making stores pay out the nose to have the privilege of selling to those big spenders.
I personally prefer the Visa/MasterCard/Discover model, but I can't deny that Amex is quite devious.

>>14769302
>Sprint network
Hard pass.

>>14769303
Source for this info: https://en.wikipedia.org/wiki/Ohio_v._American_Express_Co.. (the actual opinion, not the wiki page)

>>14769247
I pay my credit card off in full every month. I have a perfect credit history and I get money back on each purchase. I have never gone over my limit. The bank effectively pays *me* to use the card, and there are no downsides.

>>14769304
>Not reading the news
https://www.androidpolice.com/2019/07/10/ting-is-dropping-support-for-gsm-only-phones-and-t-mobile-switching-to-verizon/

>>14769299
So what does it change? Like you can choose not to pay everything and get your account milked with interests? Can you at least make 1-payment virtual cards so you don't give away your actual number to a website when paying online (Wikipedia only mentions that for debit cards)?

>>14769296
I have my checking account and credit cards with the same bank. I set it so the full balance on the cards is automatically paid from the checking account on the statement date. I'll also usually log in and manually pay off the balance before the statement date. That way the statement shows a $0 or very small balance which helps with increasing credit score.

It basically works exactly like debit, except I get cash back and more fraud protection and a bunch of other little benefits. I only use my debit card for withdrawing cash or for purchases at the liquor store since they offer a discount for paying cash or debit.

>>14769309
>That way the statement shows a $0 or very small balance which helps with increasing credit score.
Pretty sure it's only calculated at the end of the payment period, no? They won't ding you unless you have something you spent that payment period you didn't pay back.

>>14769245
Probably Visa. But I just all 3 for whatever provides best return at that merchant.

>>14769251

> Preferring to lose actual money when your card # gets stolen instead of having credit transactions which are cancellable in a few days with one call to your bank

Holy shit you anons are dumb. The last time I only used debit cards was 5 years ago and I had to wait months to get >$2000 back into my account after somebody stole my card number

>>14769245
I prefer Visa, and have no experience with AMEX. I know that Mastercard has a horrible chargeback process and always sides with the vendor. They do not have your back unless you have stronger evidence than would be required at a murder trial. MC is a good way to get scammed.

>>14769306
>>14769281
These anons are right, only niggers and air headed normies get fucked by credit cards

>its free money goy
>forget that it has worse privacy standards than google

>>14769281
depends on your bank. if someone steals your debit card number but you still have the card then chase refunds all fraud purchases as long as you notify them within 60 days.

>>14769247
Not very many.
>all stores up their prices 3-4% to account for credit card interchange fees
>you get them back in the form of cash back
>it's free money subsidized by cash only retards
>also you can charge back anytime you get shafted by a merchant
>you're not responsible for fraudulent transactions if you catch them a month later, as opposed to 2 days with a debit card
I could go on.

>>14769245
The Jews have the superior credit system. All they have to do for money is to milk the goyim, simply by playing the "race" card when Judaism has nothing to do with race.

>Oy gevalt remember the 6 gorillion
>Oy veh the sand natives aren't remembering the 6 gorillion
>America; please give us money and weapons to compensate the memory of the 6 gorillion

How stupid do you have to be to go into credit card debt?

>>14769312
I use a debit Visa and I've never had any issue with this.
A friend of mine retardedly got scammed with his debit visa, refund occured three days after calling the bank.

Maybe your bank is shit?

>>14769256
Literally how you fucking brainlet lmao

Just record credit card transactions on your primary transaction log, autopay full balance, DONE

>>14769269
OK even if this is true
Just deduct interest and fees from the rewards to see your net rewards
If net rewards are negative, accept you're too rarted to handle a cc at this stage of your life and stahp using it

it's not that hard

>>14769283
That's legal jargon / a technicality

For all intents and purposes (ESPECIALLY in the context of this thread), it's just a branchless bank with a less arcane fee system

>>14769250
hang yourself you yiddish nigger.
gookmoot's just a cuck.
>>14769245
they're all shit, pay them off fully every month to fuck over their expected profit slightly
>even then they still take 6%ish off most transactions...

>>14769256
>t. burger

>>14769296
The latter indeed, and you are correct

Any credit card issuer (pretty sure our government mandates all this) will offer the option to automatically pay off the full balance via any ACH supported checking account every month in such a way that you will never be charged interest, despite having taken out a 2 to 6 week loan

>>14769310
Actually no, I [different Anon] can confirm that my "credit utilization" ticker goes up if I'm leaving fat balances to autopay rather than eliminating them myself (NOTE that I've never paid a cent of interest in my life due to autopay hitting at the end of the GRACE period, YET the "utilization" still goes up because I've got balances at the end of the STATEMENT period)

>>14769315
This desu

I would bet that half the "retards" in this thread are actually just shilled strawmen to bait out actual intelligent debunking posts which happen to be in support of the CC infrastructure

>>14769261
It'll bounce when he's out of money rather than letting his budgetless ass spend money he doesn't have on impulse

>>14769248
>debit cards
Those exist in America?

>>14769256
tfw when not living in burger land and my credit dues are balanced automatically without me EVER missing a payment

>cash
Simple, anonymous greenbacks.
>Drawback
If it's stolen odds are you're shit out of luck
>debit
Easy management of your money, no need to carry cash
>Drawback
If it's stolen it's a direct line to your checking/savings account. Either disable the card ASAP, close the account, or be prepared for financial losses
>credit
High risk, high reward.
If you're not retarded you'll build credit.
Pay back in full, on time, and you'll never need to pay interest.
>Drawback
If it's stolen, your credit score will likely tank. Prepare for financial losses.

Out of all of these, I say credit > cash > debit

>>14769319
the average person is that stupid, yes

>>14769330
>If it's stolen it's a direct line to your checking/savings account. Either disable the card ASAP, close the account, or be prepared for financial losses
>financial losses
Thank God I live in a country in which any non-authorized operations are refunded entirely no matter what

>>14769245
UPI and RUPAY

>>14769247
How do you buy something that's worth more than your entire year's salary? A house for example?

>>14769334
You get a special loan from your bank with way better interest rate than whatever your credit goy card has

>>14769248
Credit cards
>build credit, which you need a certain level of to qualify for certain purchase or cards with exclusive rewards (vip lounges in airports, for example, neets wouldn’t understand)

>are insured in case of theft
>come with rewards

If you get 3%cb and you put your rent on your card, you have $30 for free on a purchase you would have to make anyway.

Credit cards when used responsibly are amazing. There is no reason not to use one unless you are a low IQ, high impulse neet.

>USA
>"Christian" nation
>Literally worship credit and usury on a daily basis

>>14769332
There are retards in America who still won't do this. I don't understand why.
... granted, it's usually senile boomers, or tech-illiterate niggers, but it's no loss to me. I just rectify the problem and move on.

>another episode of retarded neets promoting luddism

>>14769245
The one I use.

>>14769335
??????

Are you retarded? Credit cards don't have interest if you pay them off in time.

>>14769335
>credit card has interest rates
lmao, now I know im dealing with fucking neets. there is no interest rate on credit cards, you monkey. that's the whole point of using them. you pay what you owe every month, it's basically just delayed payment.

Poland

>>14769247
Great travel insurance and the ability to pay worldwide. And all that for a small fee. I'd say you'd be stupid not to have one if you travel more than once a year.

>>14769337
>Religion

>>14769339
More like another episode of /pol/ derails a thread.

>>14769344
Travel insurance on cards is mostly shit. If you travel a lot getting a standlone one is much better.

>go into 25% of stores in the US
>only accepts visa/mastercard and sometimes even amex

>>14769336
>credit cards
consumerist shit
>debit card
white person that only pays for what he needs

I don't understand this thread. Do burgers not have to pay for keeping up credit account? There's always some kind of payment, be it yearly (usually around 50€ for the lesser versions) or credit payment for each month you pay for with the CC. What does the bank get for offering you free loan?

>>14769349
>white person that pays 5% more for what he needs

>>14769348
everywhere I go supports amex these days, except one little pizza joint near me (guy hated the fees IIRC)
Pretty much no one takes Discover though.

Okay fa/g/gots post the best CCs being offered right now.

>>14769245
>american express
literally who?
>mastercard
dropped due to politicizing who gets served
>visa
meh at least its not cholera

>>14769245
visa and mastercard are literally the same company. the only different between the two is that one starts with a 4 and the other a 5.

>>14769350
The vast majority of credit cards in the US don't have a monthly fee.
There's no interest if you pay it off, in full, every month.

So yes. It's a free loan until the end of the month.

>>14769250
fuck off, kike.

>>14769356
What's the idea behind this? Are the banks just confident enough that the populace is dumb enough to fuck themselves over?

>>14769247
How stupid do you have to be not to pay the bastard off at the end of every month?

>>14769288
>There is no innocence because there's no free will. Evolution and quantum physics showed that something can come from nothing, therefore disproving the existence of God - the corollary of which is that there's no such thing as reason.
Despite the idiotic rambling of modern pop scientists explaining away issues in the big bang theory with quantum physics causality still exists and has been shown to be consistent.
The idea that a proton popped into existence in a 1 dimensional space and started a chain reaction to create the magical mix of gasses that caused the big bang is absurd. It's not anymore provable or based in fact than saying God created everything in a week.
Something still cannot come from nothing there is always a cause. Mainstream quantum physics and evolution theory has this consistency it's only fringe theoretical bullshit that pretends otherwise.
>There is no truth, no beauty, no justice, no morals, nothing. We think there is because we live in a Matrix, but that's just our perception of the world. All of this is proven fact.
That's a long list of abstract concepts you have there, of course they don't exist, they're constructs that describe real things. The Matrix is more real than the real world. The simulation is so deep rooted in our reality that trying to find "truth" or "the real world" is impossible. That doesn't mean that there is no meaning, just that humanity has obfuscated any meaning behind symbols.
Read simacrula and simulation you might find it enjoyable.

>>14769358
>the same people who piss and moan that their PhD in dance therapy for 600k didn’t get them a 7 figure job

>>14769350
My Bank Of America Visa card has no fee attached. Comes out of the gate with a $1500 limit which can be increased, and assorted bullshittery I don't make use of. I get 1-3% cash back on all purchases.
There are credit cards with mandatory monthly or yearly fees, but they tend to be for big spenders and have fantastic perks. I rarely spend more than $600 a month, so I don't bother.
>What does the bank get for offering you free loan?
You give them your money, to hold, which they can then use for investment purposes.
And they count on users to be dumb with their credit cards and not pay them off fully, thus giving them interest.

I used to laugh at burgers with American express. Then I got a high end one with my job.

>>14769291
Yeah but a lot of business related things are based on taking advantage of people’s psychological weaknesses. Take marketing and product placement as examples. Also call me cynical but the current situation favours those who pay their credit card bills in time: if everyone did that, credit card companies would probably have to invent other schemes to take money from everyone.

>>14769287
>>14769328
idk if im being baited but i'm enjoying having my debit card as an american

>stuck with shitty card with sub 1k credit limit no matter how good my credit is or how much my income is
Capital One is shit

>>14769358
They make a lot of money from idiots ( or very rarely, unfortunate people). Basically, the idiots subsidize good deals for the rest of us. But these companies also make money on each purchase (eg. charge x per visa transaction, business pays).

Also, the better your credit, the lower the fees should you not pay off your card. And at the top, where you have black cards where there is no such thing as interest. You’d need to spend a lot of money with these ones and are reserved for multimillionaires and above.

>>14769354
>literally who?
poor fag detected

>>14769366
Request a credit limit increase. It's a hard pull and will hit your score in the short term though.

>>14769363
>I used to laugh at burgers with American express. Then I got a high end one with my job.

I'm kinda austistic, but I love my american express because when I go online it just comes up with the sign-in form right away. Fucking Chase has to load pretty pictures and ads and promos and shit and then you have to click on "Sign in" and it loads more stupid assed shit before the sign in form. So I hate Chase and love Amex.

>>14769369
They won't do it. Capital One is shit like that.

>>14769358
I mean... Kinda.
They generally have absolutely absurd interest rates - 20-25% of very common.
So even if you have 9 people that never carry a balance so pay nothing in interest, there's 1 person that will.

The sad reality is that it's much worse than 9:1. You'll have people that will put $3-5k on a credit card then pay nothing except the minimum.
They get raped by the interest and it becomes nearly impossible for them to recover.
These people, referred to as "whales" by the industry, are the reason it's so lucrative to offer credit cards in the US.

People get lured in with incredible perks (5% cash back, priority boarding on flights, concierge services, rental car insurance) then get caught in the trap.
Part of me thinks it's their fault for being so stupid but part of me feels kinda bad because they probably don't fully understand compound interest.

>having an arcane government that hasn't rolled out a national digital currency system and let's corporations set up one that rent seeks 1% to 3% margins on all purchases.

Why do these companies even exist?

>>14769368
>poor
I have bought almost 4000 dollars worth of computer gear for recreational purposes this year so far and had heat pump system installed just recently, try again

>>14769369
>It's a hard pull and will hit your score in the short term though.

Not if you have an actual first-world income. They love to increase the credit limit on people who have an income, because that's how they make money, by you charging more shit. Even if you pay every month, they get a percent of every charge.

>>14769371
wtf.
Get a different card from Capital One that can do it.
I refuse to believe Capital One has a max 1k credit limit on all cards.

>>14769372
>You'll have people that will put $3-5k on a credit card then pay nothing except the minimum.
My mom is one such person. She carries something like 6k on her card, pays $25 every month. Insane.

>>14769371
>Capital One is shit like that.

Bullshit. If you make a decent income they will not keep you at 1k or whatever you claimed up there, unless you have fucked up by missing payments or your bills or some other retardation. They make money by letting you charge as much as you can handle.

Exposition is the best... If you're a lame ass nigga, people like to use real money.

>>14769376
>I refuse to believe Capital One has a max 1k credit limit on all cards.

He's not telling the whole story. Capital One is like any other card; if you make and spend money, they want your action.

>>14769366
>>14769369
>>14769371
>have $500 credit limit with State Farm for a year
>ask to increase the limit to $1000
>they send me a letter basically saying "fuck off" listing all the reasons they won't do it
>6 weeks later they send me a different letter
>Congratulations! We've upgraded your credit card to our new Rewards Card and increased your credit limit to $1500
>6 months later get another letter
>increased my limit to $5000

Just keep paying your bill, anon. They'll raise it after a while. If they don't after like 18 months, then ask.

>>14769281
Need a pin to withdraw money.
I have scratched off the cvv code, expiry date and a few of the numbers (and memorized them) so no one can make online purchases if they physically steal the card.

>credit card
lmao imagine being american

>>14769354
Mastercard's board BTFO the antifa proposal, idk what you are talking about

Digital-only banks, good or not?

>>14769247
When in Rome...

>>14769385
based and redpilled

>>14769378
>>14769380
I can literally show them purchases I have to make with my debit card because they're 2-3 times my credit limit and they don't give a shit. I don't miss payments. Google it if you want, there are lots of people complaining about them and their shitty limits. Most other companies will start you with a 1k limit even if you're a poorfag.
>>14769381
I've had the card for over 5 years.

>>14769388
Then open a different card. They all have stupid algorithms and criteria. Chase declined me for a basic freedom unlimited card when I was first graduating college and I had to appeal to get it with a $500 limit. Then less than a year later they approved me for a sapphire card with like a $20,000 limit.

>>14769385
They offer fantastic interest rates, but eh, I have about 10k in a money market fund with Vanguard, and the rest is in equities. I go to a bank for support and stability, not income.

>>14769388
>I've had the card for over 5 years.
Yeah, fuck them and open a different card.
Don't close the Capital One account, though, since that'll tank your credit score. Age of accounts is a huge factor.

Just use the Capital One for gas or something each month to keep it active.

>>14769245
>>credit
>spending money you don't have
>unironically
And Anon does wonder why stuck poorfag.

>>14769245
Amex platinum for travel benefits

>>14769389
>>14769391
I'm probably going to do that. Just need to find a good card with a good reward system. I really like Capital One's rewards, they're just useless with such a small limit.

>>14769246
all anyone should say

>>14769392
>animetard
>retarded
Every time.

>>14769245
Who cares. I have them all.

>>14769368
Amex isn‘t really well known or accepted in Europe. They only started trying hard a few years ago.

>>14769374
>only $4000
Keep coping

>>14769394
AmEx offers 6% on groceries, 3% on gas, 1% on everything else.

https://www.nerdwallet.com/best/credit-cards/rewards

>>14769245
Debit or prepaid. With credit cards the bank always takes a cut.

>>14769252
Here's the thing. You'll never have a truly supreme high credit score, like 815+, without carrying over a balance and paying at least some interest.

It's a sham.

Debit cards or cash, credit sucks.

>>14769403
>t. cage wagie

If you use a debit card anywhere near a female, her pussy will dry up.

The Chad Chase Credit Card:
>go on date with qt 3.14
>decide to eat at Cheesecake Factory
>you both have fantastic dinners, flirt, and enjoy each other's company
>get cheese cake slices at $10 a slice after (you don't care, you're rich)
>pay for it all on your Chase credit card
>she goes home with you and you fuck that night

vs:

The Virgin Credit Union Debit Card:
>go on date with qt 3.14
>have a date at fucking Burger King
>you both have mediocre meals, the conversation is dull, and she has this look of disappointment on her face
>get her a shitty apple pie for desert, she doesn't even finish it
>you pay for it all on your generic, ugly ass credit union debit card
>any hope of redeeming this date is thrown out the window as her pussy dries up like a desert
>you go home by yourself and cry yourself to sleep

Don't be a fucking beta, get a credit card. Get a good credit card either. If you don't have one, people will assume your credit is shit and that you don't have your shit together.

>>14769402
This is simply not true.
It's a common misconception for some reason.

You can get to 815 no problem by just paying your bills on time, not spending crazy amounts of money, and having at least a few lines of credit.
Look at the factors that are used in calculating your credit score.
>average age of accounts (older is better)
>credit utilization (amount borrowed / credit limit) - lower is better, under 10% is the target
>percentage of payments on time - if you borrow money, pay it back in full and on time - 100% is your target

>>14769351
t. scammed retard

I just paid a plane ticket with points, only had to pay taxes and airport fees.
If you pay balance in full every month you get zero interest and all bonuses.

Seems that Visa Signature/Infinite has the best benefits for purchases and insurance.

Amex has the best perks but nearly all are burger-only, in the third world shitholes they offer Amex but it's nowhere near as good.
I could have a Platinum Card but I stick with my Airline cobranded one because it gives you better benefits.

>>14769245
Amex has been fucking trash in my experience, from their awful pajeet customer service to their broken JS-bloated portal.

>>14769245
One card payment system to rule them all.

>>14769276
>Kikes charge businesses for the ability to accept payments
>Bribe you peanuts to not throw out the money changers
Well done making 15 dollars while the jew siphons hundreds of millions off of the economy

>>14769408
Amex has a free Payback cobranded card in Germany that nets you absolute shittons of points that convert 1:1 to Miles & More. Got two business roundtrips last year for free.

>>14769411
>baaw credit networks should offer their services for free
One way ticket to Venezuela is only a click away, polcel.

>>14769245
i really like Amex and Mastercard

>>14769411
>Be a financial failure
>Obsess over boogeymen to emotionally compensate
>Think the infrastructure necessary to process billions of transactions anywhere in the world at a moment's notice on borrowed money isn't valuable or a necessity in the 21st century economy

>not autistically micromanaging a dozen+ credit cards for maximum cash back/points

you can't escape the credit Jew, you might as well embrace it

>>14769281
No, you dumbass. You need a PIN to use it at any PoS or ATM. You also need your phone for SMS if you use it online.

>>14769252
What if, by absurd circumstances I fall ill for two days and I'm incapacitated for the time being. Coincidentally, during that short period of time, I should've payed my credit back. But even though I had the money available in my other account, I couldn't physically do it.

>>14769256
>simply move all transactions I would normally conduct with my debit account to my credit account
>pay off the same difference I would have spent with my debit card
>get reward points + build up my credit score
Wow! Extremely difficult!

>>14769413
>>14769415
Imagine thinking usury is okay.

>>14769418
>system weeds out people with bad health
Great! This system only has pros, literally no cons!

Reminder for everyone ITT to always prefer credit unions to banks.

>>14769308
It gives consumer protection on purchases, charge back option, and makes your bank statements lean and clean. It builds your credit score, and removes the danger of having your debit current account emptied at knife point because every European capital is rapidly changing into a third world shithole because of fucking boomers and parasitic disguised cosmopolitans obsessed with shilling ethnic foods and diversity that all need to be lined up on the streets, put on their knees and get a bullet in the back of their head, just as all their pet welfare tax money-siphoning scheme animals from Africa and Asia.

>>14769413
Yes because we have to live in this world where only two types of economics exist. It's not possible to expect a government to provide basic fucking services like electronic currency transfer because that means we're all commies now.

Fuck off you literally unintelligent retard. No one is saying muh communism and anyone defending what people call "capitalism" are stupid.

>tfw 823 credit score and never having missed a payment nor had to pay interest

>>14769425
>tfw poor credit score
>tfw £52k credit card debt
>tfw £37k loan debt
>the £49k student debt now
>tfw when they keep increasing my limit
>tfw still getting more loans and cc to pay make minimum payments
>tfw changed my name 3 times now and have account under each of my 4 names
>tfw already have 6 different properties overseas under different identity payed by all this credit
>tfw I'll keep going
>tfw NEET

>>14769426
Based ponzi scheme

Good luck with your credit fraud mate

>>14769427
Thanks anon. The excitement for "that day" keeps me going, I'm already living a weird as fuck life (technically homeless but not really).

>>14769422

>local credit union
>0.05% apy savings account

>big boy online bank
>2.00%+ apy savings account

yikes

>>14769286
Not her but including sign up bonuses several thousands, not including the times I've been able to counterjew merchants with chargebacks. My credit score is over 800 and I've never spent a single penny on interest charges.
Only stupid niggers hate credit cards because they have no impulse control and max them out without being able to pay up. The only reason you shouldn't use credit is if you're going full tinfoil cash only

>>14769252
This is what I have been doing for years. Also, getting flight miles/credit points is pretty nice bonus.

>>14769256
>it's extremely difficult to do that 100% of the time
lol Amerimutts never cease to amaze me.

>>14769428
When "that day" comes, will you hero or keep pulling through?
I feel sorry for you, even if I shouldn't.

>>14769432
I'll disappear on a boat, just like I appeared on a plane here 15 years ago. It's like I never existed, because I essentially don't, my "base" is somewhere else, as is any shred of identity I have perceived myself to have. Everything here is fake just to keep this going, and I mean literally everything, including family and age.

>>14769429
Joke's on you, I get 2.1% APY on my Alliant CU savings account, plus 0.648% on my checking.

>>14769281
>Eurostan
>Someone stole my creditcard somehow recently
>Money was withdrawn
>Bank called me before i even noticed
>Next day everything was refunded with an apology and new card was ordered

God i love being yuropoor.

>>14769435
Debit card not creditcard

>>14769253
this

>>14769251
Poor credit fag cope.

>>14769317
>Eastern europe
>10-20% discount on paying with cash on everything everywhere.

>>14769245
I don't know if it has been pointed out but they're not credit systems. They're card systems.

The benefits of your visa or amex card are not delivered by visa or master card directly. They're just the bookkeepers who sell your shopping habits and get a cut from all transactions.

Their customers are not really us, it is the banks and whoever is using their system to issue cards. They like advertising to people because that makes people ask for their cards.

American Express is not a credit card, it's a charge card. Learn the difference, underage faggot.

Also, how common are Visa credit cards? I haven't seen one in ages. Even banks that have Visa Debit will issue Mastercard for credit cards where I'm from.

>>14769441
American Express has a range of credit cards in addition to charge cards you fucking brainlet, especially in Europe.
Visa credit cards are more prominent than Mastercard.

>>14769422
>go to credit union
>they ask for proof that I exist in this state
>ok heres my drivers license
>"No sir we need bills in your name"
>ok heres my car insurance statements
>"No sir actually we only take phone bills or rent bills"
>but im in a family plan so I dont get jipped on single person plans and i live at home cause uni is incredibly close
>"Hmmmmmm sorry sir"
yeah this aint worth a 2% savings account. Learn to invest instead. Ill eventually switch over to a union eventually but they are extremely overrated by brainlet boomers.

>>14769281
>bank is obligated by law to immediately refund you any supposedly fraudulent charge by request, with option to sue you if they think you fucked them over (and as soon as you file a police report, they can do jack shit)
>somehow they're pretty good at looking for the money now
how does it feel to live in a kike country?

>>14769281
This. Only retards use debit cards abroad or for online purchases.

>Imagine living in a country where you need to "build credit" to be approved for getting a cellular subscription.

>>14769443
Wait, so you don't have anything that's showing you live in that state? What did you expect?

By the way, the standards for getting a drivers license with in state address or getting a car insurance with any address is really low. If I wanted to make sure someone lived there, I wouldn't have accepted either.

Banks are much worse than credit unions.

>>14769446
It's not the subscription that requires credit, it's having the cost of the device spread throughout a one or two year plan.
Why would anyone give you a flagship phone if you have bad credit? You could stop paying for it the following month.

I'm in Mexico and have a debit and a credit MasterCard with a bank for my business, and a Visa debit + credit card with another bank for personal use. I honestly don't see any difference.

>>14769446
imagine getting arrested for a tweet

>>14769446
>Imagine living in a country where you need to "build credit" to be approved for getting a cellular subscription.
Have you been to America before? The difference between cell subscription and burner phone is blurry in US.

You can get cellular service in like 5 minutes while having zero credit record, you just pay as you continue. Most of them only have high speed data cap, which is pretty much on par with the rest of the world.

The ones that require credit check are the ones that have "benefits". For these you can accumulate balance, pay late payment fees and interest and all the fun stuff if you want which is why they need credit check.

>>14769449
Because they're just card issuers, they do not have significant difference except for coverage and some perks if you're spending large amounts.

>>14769448
>>14769451
I agree that you need some sort of credit check, but needing to build it by engaging in credit card jewry shows how fucked up the American system is. Here it's just a binary approved/not approved with the default being approved unless you've seriously failed paying in the past in which case you're out of luck for a few years after you've paid off the debt. For more expensive loans (car, house) they will also check your last tax report for income (public info).

>>14769450
Not a britbong

>>14769453
>they will also check your last tax report for income (public info).
Do yuropoors really do this?

>>14769453
>For more expensive loans (car, house) they will also check your last tax report for income (public info).
What?
So you can over report your income to the taxman, pay your dues (which wouldn't be all that much if you're just slightly crossing into a high income threshold), take that "document" to the bank and have a mortgage approved? What kind of retarded system is this? Something tells me you are talking shit.
Also kek at having your personal tax records publicly accessible. What socialist shithole do you hail from?

>>>/biz/

>>14769453
>Here it's just a binary approved/not approved with the default being approved unless you've seriously failed paying in the past in which case you're out of luck for a few years after you've paid off the debt. For more expensive loans (car, house) they will also check your last tax report for income (public info).
There are two things regarding this which won't work in the US.

1: It's approved by default: American lenders are very aggressive and there's a huge debt buying industry. If they don't check, they'll default and after the mortgage crisis they are more cautious. American borrowers are also very eager to borrow thanks to the availability of low interest loans.

2: Checking income through government records: This is a no no in the US. Americans are okay with private parties collecting your info down to your DNA but they're not okay with government making any of its interaction with you public (except in justice system where everything is open if you present it in a court because that's the foundation of justice system in US)

>>14769329
Full monthly autopay from a checking account is a standard feature with every credit card provider I've run into. Anon is just really fucking stupid.

>>14769257
how neet can you be

>>14769454
>>14769455
Unless you run your own company and do really shady stuff you can't fake your tax report. Your employer reports pay stubs to the Tax Authority as do banks when you trade stocks etc and when they check it's pulled from the public records so you can't fake it. The socialist hellhole in question is Sweden :^)

>>14769460
And here I thought Yuropoors cared about privacy.

>>14769418
Most Banks don't charge you interest as long as you pay the minimum which is $25. So unless youre out of commission for more than a month, you'll be fine.

>>14769461
I'm not him, but in my opinion having salaries reported openly is not that bad. It prevents employers from exploiting good natured employees.

>>14769462
>Most Banks don't charge you interest as long as you pay the minimum which is $25.
Which banks are these? How are the making money?

They will charge you interest if you only pay 25$. Actually, I think they might be legally required to tell you that you'll never pay off your debt with minimum payment.

>>14769461
We do care about privacy, but see it another way I guess. Here's an article on the subject: https://www.reuters.com/article/us-panama-tax-nordics-idUSKCN0X91QE

>>14769455
My guess would be socialist canadia.

>>14769418
>I fall ill for two days
Payment window is 21 days by law. Which, if you are so sick you are unable to pay a bill online for 21 days, you have much more serious issues to worry about than the couple of dollars in interest you'd pay.

>>14769462
>>14769464
Oh I think what you mean is they don't charge you late fees.

>>14769468
business and finance

why are there no ids in this thread?

>>14769511
It was on /g/ before. Check the thread's post numbers. Only moved threads are like that.

>Health insurance, gym subscription, etc. charged to credit card monthly
>automate payments from checking account to pay off those monthly fees
>carry more than enough cash in checking account to pay off this shot for many months.

Bingo bingo bongo, I can’t wait to leave the Congo.

credit cards jew off the marketplace
debit cards jew off the user
neither is good
bank accounts are worthless trash that needs to be obliterated from this world

>>14770162
neither are