/biz/ - Business & Finance

>>55059700
>bragging about muh good goy score
Lol, lmao.

>>55059706
Seethe more ye of little credit

>>55059706
I can apply for virtually any credit card and get approved instantly. Literally banks giving me free money which I could credit max with if I so choose. You on the other hand are a broke bitch.

Good job OP
I have never once been concerned, viewed or otherwise been aware of my goyscore.
Maybe mine is higher than yours? Maybe it's lower...
I could be a good goy or a bad goy.
I don't know and i won't ever check.

>>55059734
Chances are its lower anon

>>55059734
Also if you aren't aware of your credit score then you probably don't have very many credit cards which means your score is probably pretty low. Also if you aren't aware of your credit score it means you've never tried to take out any kind of loan or a mortgage which means you're a faggot. Being unaware of your credit score isn't cool anon its pathetic and gay.

>>55059734
Also anon you are a dumbfuck that probably doesn't even know how to use mobile banking because if you did you would see that your credit score is very obviously on the app for your bank.

>>55059726
People who are actually rich don't need to borrow money aside from their parents or what they make themselves, and they'll get approved for whatever credit card they want either

>>55059767
Thats retarded and you obviously don't know shit cause you aren't rich. Rich people use borrowed money all the time retard thats how they lower their risk.

>>55059767
Also not taking advantage of credit card rewards for your monthly expenses is just fucking dumb anon. I seriously can't believe you little homo zoomers living in your mommys basement are still anti credit.

>but I don't need to borrow muh money!!!!
>what do you mean I can't finance this phone from Walmart!!!!

Get fucked poorfag

>>55059712
My credit is fine you stupid nigger. Don't know why you think it's something to brag about.

>>55059846
No one gives a fuck about your gay bongland credit score pussy

>>55059850
Americans are the dumbest fucks in the universe. Shit thread.

>>55059871
Kys faggot. Go get stabbed by a Nigerian

Even Europeans have credit scores. If you never take out a loan then they don't want to give you a loan. That stuff makes no sense because not having debt somehow means you can't handle debt. Banks never thought I could handle my mortgage so I had to shop for banks

Nothing personal

>>55059890

>>55059749
>three replies from same faggot
>each increasingly irate
This faggot is seething

>>55059700
>less than 800
>bragging about it

>>55059906
>but it doesn't make sense!!!! They should believe im trust worthy even though I've never proved it!!!

Holy SHIT you are dumb

>>55059919
Bruh idk what you're on about im 3 points higher than you

>>55059938
Come on anon show us your sweet 650

>>55059767
You’re actually retarded holy shit

>>55059950
Yes hes retarded. Dude has probably never read a single book on personal finance in his life

>>55059744
>>55059749
>>55059762
>three replies
And you think others seethe?
I have never needed to take out a loan because i have never been cash poor.
Whereas you...

>>55059968
Stfu nigger

>>55059968
Its not just about not having cash retard. Do you think if I was cash poor I could pay off credit cards and have this score? Use your brain dumbfuck. The point of having credit cards is to get reward points. I have a card with 5% cash back dipshit. But have fun paying full price for your goyslop

>>55059974
Tell us your average monthly payments to subscription services OP.

>>55059980
You're cash poor if you can't buy a car or house right now, in cash.
Stop making double posts nigger.
Use your fried brain to think of the reply beforehand, then proofread it.

>>55059980
Hey OP I love credit cards but you’re being really fucking cringe. Also why do you care what people do? The more people that care about credit card rewards, the less lucrative they will become. So just do everyone a favor and shut the fuck up

>>55059982
>>55059986
Don't tell me what to do nigger. LOL WHAT KIND OF IDIOT WOULDNT FINANCE A HOUSE OR CAR?!?!?!?!?

YOU
ARE
A RETARD

>>55059990
You shut the fuck up bitch

>>55059982
Tf are you on about subscription services

OP my love, why don’t you use your time to do something productive and not shit post on 4chan?

It’s currently 7am, and I see you’re American because you use a FICO 9 score, am I right? That means you’re at best burning the morning on useless stuff like this. Wtf man. Be better OP. I get that I’m on here too but I’m a neet

>>55059992
Passive aggressiveness is a feminine trait.
This pathological need to feel superior is a sign of a weak and malleable ego that is vulnerable to outside influence.
You can't seem to make a post without trying to one up everyone else, even those in agreement with you, because you feel inferior to the people in your daily life.
Your insults are recycled garbage void of any originality. Most likely they have been recycled from an argument you lost to another poster in another thread and are now trying to pass on this psychological trauma that has been inflicted upon you by an anonymous stranger who reached inside your mind and molested it vigorously.
Use your credit to buy some self respect OP.
It will increase the quality of your posts, the quality of your threads and the quality of your life.

>>55060026
Im American but i'm not in America. Look at the time on my phone in the screen shot and figure out which time zone I'm in.

>>55060038
Tldr

>>55059941
You already prove that you aren't suspectible to debt

lmao this was my score after having one of those secured cards for a year. why are you acting like it's a huge flex

>>55060045
Your inability to focus for a total of 60 seconds or less is only reflective of your age and stupidity.

Imagine being a poorfag with a credit score below 800 kek'd.

>>55060073
What

>>55059700
>If you check your credit score it gets lower
Kek

>>55060083
Your credit score isn't 800

>>55060092
That's a hard inquiry anon. The score that appears on banking apps is a soft inquiry so it doesn't change your score.

>the more you know

My amex report shows me I have 825.
I am poor and only make 90k

>>55060122
Take note faggots. A legitimate credit poster has arrived. No excuses. No explaining. Just posting his superior chad credit score. I tip my hat to you good sir

>>55060122
Pretty sure that your income doesn't affect your credit score though anon.

>>55059700
will my credit score be helped or hurt if I just pay the interest each month but don’t pay down the principle at all, at least not for a couple years?

>>55062405
Assuming you’re continuing to put more debt on the card, your credit utilization will slowly increase (that’s the amount of credit you’re using as a percentage of the total) and that will hurt your credit score. If you’re only paying the interest but not accumulating more debt, it won’t hurt your credit but it’s a pretty bad plan overall. It’ll cost you a lot of money in interest.

>>55062405
Your credit goes up even if you never get dinged with interest. Which is what you should always be aiming for.

>>55059700
My score is only at 740 right now, but it's not bad for having less than 2 years of credit history. I also have 9 cards i've been approved for, so for right now i'm just playing the waiting game of having some inquires fall off so I can get the one Chase card I want.

>>55063024
My FICO is 666 but my Equifax is 702. For someone with only 10 months of credit history I guess it's good right?

This is why credit scores are a meme

>>55059938
>anon took that doggo pic himself

>>55059700
VERY GOOD. Checked.

>>55059700
good goy

>>55059726
EXCELLENT MOVES CREDIT CHAD.

>>55059767
Imagine being this naive LOL are you a house nigger or something? Where's massa?

>>55059726
What a faggot lol lmao even

>>55059871
Relax bong, this Yankee mutt loves you guys. No homo. No nigger.

>>55059919
Swagger. Another credit Chad ITT

>>55059974
Got Goy? Lmao. Saved.

>>55060038
Holy fuck one of the best /biz/ owns of all of 2023 right here.

>>55060083
Anon isn't it basically meaningless after 750 though?

>>55060122
Credit Thad spotted

>>55059726
>debt
>money
Debt is negative money. Debt is how the broke stay broke.
>t. broke debtslave

>>55063205
Lmao wtf did you pay off a six fig debt or something?

>>55063169
As long as you make your on-time payments and keep your credit utilization under 10% it should continue to increase. Be sure to space out your CC applications too, general rule of thumb is 3-6 months.

>>55059700
>bragging about their slave collar
good for you. since you wont listen to other anons who warned you, life will teach you. i hope you learn before you get yourself into a situation where you cannot leave

>>55063367
I put all my monthly expenses on a credit card and pay it off every month. I've never paid interest and collect the points. Some months it gets to 10k

>>55063423
You're only a slave if you pay interest

>>55059700
I got a job and mine just plummeted 30 point , what the fuck

>>55059762
>calls other dumbfuck
>uses OP as him name on a board with ID's

>>55063426
Sounds like it's been working well for you so far. How often do you open up new cards AND request credit limit increases?

>>55059700
Was about to smugly post mine but it's 772.

You win this time OP (you faggot)

>>55059700
thanks for subsidizing by home loan!

>>55059700
At first I thought he meant social credit score, like in China

>>55063423
Slaves will always choose to be slaves, while using some mental gymnastic rhetoric as to how they are not really slaves

>Fuck credit scores
>Stack gold

dumped because i just went on a week long bender in vegas for EDC so my utilization jumped

>>55063745
Never. Just the one card and they instead it occasionally without me asking. I'm at like 30k credit limit

>>55059700
>have 780 score
>declare bankruptcy
>get $70k free monies
>already back up to 649 after 6 months
I literally haven't even done anything kek

>>55059700
I have $22000 in charged off credit card debt falling off next month. Evaded lawsuits on it after debtmaxxing and walking away.
I'm at 640 goy score right now after repairing via Secured credit cards. Hope to be 700+ after.

>>55064652
I should have done that honestly. Waiting 7 years for it to fall off is MUCH more punishing.

>>55059706
Fpbp. Op is a fag. Fuck your kike score

Giving Jews my hard earned cash, not even once

>>55064691
Yeah its brutal I waited like 4 years, only paid like 25k in interest so I'm happy

WTF am I looking at here?

>>55064652
Green text how you did this
Tempted to try

>>55064652

Is bankruptcy valid? My parents owe like 80-100k in CC debt and have no other assets other than the house and shitty cars. they can just wipe it all out right?

>>55064798
>use a carrot >>>>>>
>>55064825
Yes it's absolutely valid, also in the vast majority of cases you will never lose any property. Get a lawyer, only costs like $1500 all said and done.

Oy vey!

>>55063420
applications 3-8 months...why such a range? can you narrow it dowm?
also with requesting credit limit increase is the rule every 6 months?

>>55059726
>theyll give me free money
>have to pay it back with interest
>wants stuff you can't just afford to buy straight out
lol whos the poor cuck here?

>>55059700
>Namefagging as OP
>All that seethe
Holy shit go back.

>>55065007
3 is the bare minimum if you're feeling risky, 6 is pretty safe and will mean you're very likely to get approved as long as your CS isn't in the dumps. Also credit limit increases really varies from bank to bank, i'd suggest looking it up depending on the card. Some will let you try every 90 days like AMEX, but others want you to wait at least 6 months and can still be real bastards about handing anything out like Capital One.

>>55059919
>Transunion
>Trans
They aren't even trying to hide it anymore

>>55064715
Where can I find the uncensored version of this? Asking for a friend

>>55065072
i see. do you think because of tightened lending because of macro conditions these timeframes should be adjusted? or does it always stay the same?

This thread is extremely jewish.

>>55059700
>Guys, look how deep I can go on our kike masters! I don’t even have a gag reflex anymore!

>>55059871
bongs have such fragile egos. I love it

>>55064825
>My parents owe like 80-100k in CC debt

what the actual fuck how is that possible.

SUP YOS?!?

>>55060122
lmao are you me

>>55059700
773 is literally nothing to brag about. I opened up a card 3 months ago and it went from 660 to 750.

>>55059700
Where do you guys check your credit score? I thought doing so lowers it?

>>55059700
Why even post that pleb score

>>55066690
Creditkarma gets you the fake scores which is a rough approximation +-50
Discover card gives you real credit score (FICO8) through transunion as a perk. I think there's a card out there that gets you all 3 credit scores.

Also no checking does not lower it.
Theres two types of pulls, hard and soft. Soft pulls do not impact scores. Hard pulls (applying for a specific loan or specific card) do. So checking your score won't effect it, but applying for a car loan will.

>>55059712
I can tell youre a wagie bragging about your credit score, huge red flag someone is a wagie.when they brag about that.

its over

>>55066813
Time for us credit plebs to come out the woodwork.

>>55066846
>>55066813
how long to get to 800s my niggers?

>>55059700

>>55060038
This was a great read
10/10
OP on suicide watch

Are you fags seriously bragging about the ability to pay your bills? I've barely bought anything "big" and Im at like 813 or some shit, literally didnt even know what it was until 2 weeks ago when I went to see if I qualified for a house. Why would I worry about it when I know that I consistently pay for my shit, of course its going to be good

>>55060038
kek

>>55065799

Imagine people who take out lines of credit up to 10k then max it out, then just pay the mininal balance every month. repeat x10 cards.

Trying to help them before they waste all their social security away giving interest to the fucking jews

>>55059700
nice score OP
I've been soooo close to breaking the 800 barrier for the last few years but havent broke it yet.
soon,...

>>55067683
>Imagine people who take out lines of credit up to 10k then max it out, then just pay the mininal balance every month. repeat x10 cards.
I just dont understand how people fucking do this to themselves

>>55067586
Because that house you're buying is going to be 10's of thousands dollars cheaper, that's why.

How do I check what my goyim score is

>>55067877
Im not saying that it isnt important, just that it isnt something to brag about
>heh, look here guys, I'm not an absolute retard that consistently buys more than I can realistically afford
You're basically patting yourselves on the back for basic impulse control. Like good for you, but its not exactly something to be smug about

>>55067938
I think you're naively putting too much faith in humanity right now. 90% of people are too retarded to handle a line of credit properly and end up in debt because of their own stupid decisions.

>>55067965
I want to say you're wrong, but I dont know anymore