/biz/ - Business & Finance

>>54719429
a tom ford wallet? who cares, he only makes stuff for gays

>>54719429
What's black mean?

>>54719429
Yeah traditional wallets are cooler, I'll give you that. A ledger's never looked that good.

>>54719447
for niggers

>>54719429
id be embarrassed to take that out of my wallet mate

>>54719429
If you had mils in crypto I think you would beg to differ

https://twitter.com/AltcoinistDAO/status/1650539093200187392?s=20

>>54719447
>no credit limit
>can’t be declined
>looks cool

>>54719429

> cool

sorry bud, i dont go to the bar and wave my wallet around. all my clothes are from target.

>>54719429
I just got a $300 credit increase on my secure card, KEK!

>I want to be on that AMEX time so bad anons.

>>54719842
Amex blue is good if you’re looking for a no fee cash back card. Most of their rewards cards have annoying annual fees that can only be offset by a smart usage of the rewards points.

>>54719429
biggest flex is owning a private whitelabel bank and issuing your own debit/credit cards

>>54719447
there are women built just for it

>>54720382
You are a big dumdum if you leave cash at any bank in 2023. ICS and CAIRS nigger

>>54719429
>go abroad
>can’t buy anything

Meant CDARS, fucking autocorrect APPLE NIGGER FAGGOT TIM COOK FUCK

>>54719453
where in OP’s pic do you see a wallet?

>>54720426
>AMERICAN Express
it’s in the name anon

>>54719429
>Moggs your amerinigger card

>>54720149
I am just so new in my credit card journey, I haven't gotten the opportunity yet. Still building my score/ history but I will jump at the first chance to enter into the amex eco-system

>>54719429
Why do you need anything more than a debit card?

>>54720834
Because unfortunately FICO scores matter for those of us who aren’t crypto millionaires. Responsible usage of credit cards builds the score. If you

>>54720828
Whatever you do, don’t get any of their rewards cards if you’re not going to use the rewards. Also be responsible, but you know that. Also don’t get a card that rewards you for buying gas and groceries and just use it to pay utilities. Use cards for what they’re meant for.

>>54720834
>cash back
>miles
>free whiskey in lounges
>Insurances
>bonus perks
>zero fraud liability
>instant fee free currency conversion at the best rates
just use it like a debit card

>>54719429
roasties and normies literally have no idea what that is. only men with aspergers.

>>54720405
Based

>>54720149
I got the blue cash preferred and those kike spics charged me $95 despite saying I'd get the first year without a fee.
However, 6% back on groceries and 3% on gas is fantastic and you more than make up for the $95 (((fee)))

>>54723599
from the fine print
>Annual Fee
>The introductory annual fee for the Blue Cash Preferred® Card from American Express will be $0 for the first year of Card Membership. After that, the annual fee will be $95.
>If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain an offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit, we may freeze, or we may take away statement credit from your account. We may also cancel this Card account and other Card accounts you may have with us.
If you didn’t do any of this, did you call them to bitch?

>>54719447
He wanted one that matched his skin color

>>54720834
Why would you use a debit card? You can get 1% cash back on anything and at very least get a 1 month loan no interest with virtually any credit card. Plus, easier to deal with in event of fraudulent activity

>>54719429
You have another man's name on your wallet. That's gayer than anal.

>>54723653
Yep, they wouldn't do it. They said the fee applied immediately.

>>54719429
leather and black will con any sucker into believing luxury lmao

>>54719429
Bankless

>>54719429

Tangem wallet, faggot.

>>54719571
>no limit
Ohhhh my. Time to debtmaxx and move to Thailand

>>54720382
how do you do that? sounds fun

>>54720420
>ICS and CAIRS
what these?

I want one with a slutty BGC craving nelf female

>>54719453
I'd rathe bank on Decentralised wallet where my assets are secured.

>itt, poorfags who don't know what a Centurion card is

/biz/ hitting lows we didn't think were possible

Its like a Rolex, if I see one I just assume its fake. You have to spend something like $250k/year or something to be offered this. So even if its not fake, you are probably just using it for your business or something to qualify. What does it actually cost you then, because you'd spend the money anyway. I think a lambo would actually be more impressive because its almost impossible to fake, and its truly a waste of money. Its was more impressive to waste like $250k compared to just having $250k you used to buy something even if it was input costs for goods you sold for like $1k profit.

>>54726553
Patrick Bateman would've used AmEx Black if American Psycho had been set in the 2020s instead of the 1980s.

What's the best card for going abroad to South America, Eastern Europe, Thailand, etc.? Is there one that doesn't rape you on conversion fees?

>>54723690
As a european the whole concept evades me. We have nothing but debit cards here.
Credit score isn't a thing, the bank employee does a simulation based on your current revenues and past depenses.
You have cashback with online crypto cards now (3-4% btw, not merely 1%) and they're free if you keep at least X money in the bank. Crypto banks back all deposits up to 100k€ in Europe btw, legal obligation.
As for rewards we call those fidelity cards and they're not linked to banks at all.
I have a frequent flyer card that I don't pay at all and that gets me lounges, booze and frer flights every 6 months or so.

>>54729143
Cash retard

>>54729143
Revolut. For everything really.
Boomer cards are so fucking outdated by revolut it's not even funny.
Unless you're an american retard in which case move to Mexico or Canada for a weel or so and ask for a revolut care to be delivered there. Only amerikikes don't allow revolut, it's available everywhere from France and Italy to China and Russia.

>>54729732
Conversion rates will fuck you over. The guy over the counter that exchanges the money takes a % retard.

>>54729732
>>54729807
You just have to make sure you withdraw from an ATM that allows you to use your own bank for conversion. Like withdraw in the foreign currency, not dollars, otherwise they fuck you on the rate. If you withdraw in the foreign currency then your bank does the conversion at usually really good rate - same rate your card would get.

And in countries with totally broken financial systems them USD cash works in most tourist areas.

>>54719429
>not even hand sewn
ngmi

>>54726320
google 'whitelabel bank provider' and you'll find any number of companies that'll get it done for you

>>54726773
Right on, all of the big dollar Wall Street yuppies have them

>tom ford
Isn't that that gay porn finnish artist?

might get a centurion tatted on my ass idk

>>54719429
Definition of cool: Nobody cares if you have one. They just want it for themselves.

It's just a piece of plastic man. Don't need a card to steal shit. You also don't need a card validating your thievery. I already know people with money steal. That's how they got it. Duh!

wow in 2023 = cringe

>>54720834
Once you incorporate usury into your society it not only becomes the norm but the mandate. You can't "afford" not to use credit since prices are adjusted to everyone being able to immediately own something by credit.

>>54719429

>AMERICAN express
>a pic of a ROMAN soldier

LOOOOOOOOOOOOOOOOOL

>>54726429
Nexera and OREID are good options.

>>54719429
nothing will be cooler than that but I can always say I'm making too much money thanks to a blue dog like VINU lmao

honestly I think I'm gonna get rid of the amex platinum, it really isn't worth it anymore.

>>54720834
Americans, as circumcised (marked) slaves of their jewish masters are effectively forced to engage in usury at every opportunity.

>>54719571
>no credit limit
That’s true of all Amex charge cards, including the ordinary Gold card. Amex decides whether to accept a charge on a case-by-case basis.
>can't be declined
A charge to a Centurion card can definitely be declined.

what's the difference between the real black card and the poorfag black card? should i get one or both? are they actually worth $$$/year in fees

>>54734929
Are you even traveling tho?

I just got the amex platinum less than a month ago and hit the 6k spend within 6 months to net a cool 150000 points which is the equivalent of $1500 or more when I use it for buying a plane ticket which I was going to do anyway. So i basically just got a card which gave me a free $800 usd since i'm going to cancel it once the year is up.

>>54735441
If you're getting $1500 of value off 150k amex points you're fucking up.

Use ANA points to Japan bruh. You can find last-minute roundtrip flat bed business class SFO-NRT for like 70k points+$500 fee. You can search using seats.aero or whatever points search engine you want. Those tickets are normally like 5 grand cash.

>>54735500
I have amex and have banked 100k points because it seems to daunting to figure out how to do all this shit. I have to request my vacation for the next year in December so figuring out how to find some last minute deal is impossible. I was going to use the points on a flight to Hawaii during summer

For example there are seats from 4/30 returning on 5/11 for lie flat business from SFO to NRT/HND. Google Flights is quoting over $14,000 for that flight. For points it is high season (you just missed low season) so it is 85,000 points transferred from amex to ana + like $600 fee in fuel surcharge (I forget the exact amount). Points are good for shit like this. Cashback is a trick to keep you from getting the crazy sick deals.

ANA business gives you a flat bed you can sleep in and a fucking kaieseki Japanese meal in the sky. After churning amex go for the Venture X and play this same game (you can book ANA using Virgin Atlantic).

>>54735500
Yeah I know I can get more points, like I said I just got the card so I'm trying to figure out what my best options are. Thanks for the link btw, it looks incredibly useful.

>>54735551
Hawaii likely isn't worth it in business. If you're willing to do economy see if there is availability for amex to Turkish Airlines (flying United planes). It'll be stupid cheap that way if there's availability. You can google Turkish Hawaii points for how to do it. Business won't be available, ignore what the blogs say about business class to Hawaii using Turkish.

If you want business over the summer you're going to have to book last minute and try American Airlines transfer booking Hawaiian Airlines. Probably a mediocre deal.

>>54735615
I never heard about this before and now im kinda sad I spent so much on airfare lol. Thanks this was really helpful. It does suck however for people who cant really leave spur of the moment to another country. the other downside is finding accommodations if you get your tickets too last minute.

>>54734929
Same, I did it one year for the signup bonus and milked it for all the travel benefits while doing the nomad thing for awhile but I’ll be canceling it next year, gold card is better for the price and for what I spend my extra money on

>>54735799
If you're planning a trip far in advance IMO the best deal is the Star Alliance Round The World using ANA points for business class. Ironically you'll unlikely be able to fly on ANA flights using this method (you'll likely be doing Singapore or Asiana for the Asia segment since ANA only releases most of their seats last minute) and it is a LOT of work to do.

The second option would be to book the ANA flight 1 year in advance (they release 2 or 4 seats in advance every day for flights 1 year out), you need to check plebbit for some guides on how to do it, its kind of tricky and involves setting your location as Japan.

>>54735820
Yeah AMEX plat isn't worth it after the first year. Downgrade to gold (use it for groceries/restaurants) and get the Venture X card.

>>54719429
Must have slavery mentality. Time to wake up and smell the roast. Centralised institutions are moving to DeFi, even finance and those that tokenises RWA. The world is on to better things.

>>54726429
Based. And a DAO for decision making. Makes perfect sense for MNI as they give value to land backed assets. No control from the government whatsoever.

>>54719429
imagine being a grown adult and buyimg a $500 wallet because it says 'this wallet is expensive on it'. now imagine being a retard who posts a picture of that wallet (that he doesnt even own) on a childrens cartoon forum

>green text bubbles

>>54733777
Kek. Chads talk fundamentals and plebs talk vaporware. You need some education on what real value actually is. Start with mni corp and thank yourself later.

>>54733691
Decentralised environment makes all the sense to me. That's the whole point. We beat cefi and wealth generation plus revenue distribution becomes easy.

what card looks the coolest?
I don't care about rewards or any of that gay shit, just if it looks cool

>>54737564
I personally have a soft spot for the old green card

>>54737564
Dubai First Royale MasterCard
>Real gold trim
>Real diamond in the center
>Only available to royal families of the UAE and other billionaires

>>54719571
>Amex is a charge card, not a credit card
>no credit limit

wait..so what's stopping anyone from buying like $50k on crypto at once?
also why do i keep reading people saying amex can sue you or something for not paying back?...what makes debtmaxxing so different with this card than with others?

i'm not a burguer (if that matters) and no prison here for unpaid debts.. so nobody can take anything from if i don't pay back

>>54738057
they have ‘behind the scenes’ limits that calculate the max balance they’ll let you float.

>>54738057
Amex doesn’t just approve any transaction. They know whether or not you’re able to pay for what you’re buying and they’ll decline your transaction if you’re trying to pull a fast one on them.
This is cited on the card’s wiki page.
https://www.newsweek.com/why-chinese-billionaire-charging-1704-million-painting-amex-card-397421
>American Express did not confirm the tea cup or the Modigliani purchases for privacy reasons, according to Bloomberg and the Associated Press, or say how those ranked among large purchases on the company's cards. However, the company did say that "in theory, it's possible to put a [$170 million purchase] on an American Express card," spokeswoman Elizabeth Crosta told the AP. "It is based on our relationship with that individual card member, and these decisions are made on a case-by-case basis, based on our knowledge of their spending patterns."

>>54726773
No, he would use a platinum. Black is nouveau riche/rapper/basketball player tier. Platinum is in good taste

>>54733479
Wow you really showed em buddy

>>54719429
Imagine simping for an ad campaign of a fucking payment company. Lol This is the male equivalent of finding diamonds luxurious.

>>54719429
you could at least post yours

>>54720933
> I need to pump my FICO score so I can pay for a niggers mortgage.

>>54739419
Not even the least bit true. The folks I've come across with Centurion cards are old money, hedgies, and big spenders. Rappers and basketball players unironically pay in cash, retard

>>54726429
Defi swap, Sylo wallet, atomic and Solfare, that's best for DeFi on Solana are kinda perfect and secure.

>>54719429
>all that crypto

Crypto has been around for over a decade and you still don't understand it let alone accumulated it. It's insane how stupid you are.

>>54719571
This isn't just what you're getting, you also get a special service that arranges purchases for you. Like if you want reservations at Dorsia on a Friday night you don't call Dorsia, you call your Amex guy and he arranges it.