What cards do you have? What perks do you use? Likes/Dislikes?
I have a few cards: Chase Freedom - 5% Categories and 0% APR (for a few more months), usually only use this for teh 5% categories up to the max cashback, as well as paying wife's school since 0% for a few months
Costco Anywhere Visa - 4% on Gas, 3% Restaurants and Travel, All Costco purchases are 4% off with my Executive membership
My own Credit Union's card - really only if I ever need to carry a month-to-month balance (hasn't happened yet), like 7% APR permanent, first CC
Von Maur Store CC - 0% Interest, I buy most of my clothes from here so it works well for me
Bong here, our Credit Cards suck ass. I got an American Express Cashback, they gave me 5% for the first three months up to £100 worth. So I maxed that out as I needed to get insurance for the first time, all paid off before interest of course. It's 0.5% on any other purchases, and 1% after you spend £5000 in a year. If anything it will just help my credit rating.
Leo Hernandez
Credit cards are the ultimate key to be forever a jew slave.
If you had freedom you would need a visa >MUH FREEDOM OF MOVEMENT
Robert Torres
I get this is a meme, but do people actually believe this? Normal, non-tinfoil hat wearing crazies I mean. Credit cards, as long as you pay them off every month as I do, have from what I can discern zero drawbacks. Not even counting the cashback/other rewards, the extra layer between your bank and the vendor seems like it would be nothing but beneficial
Liam Peterson
But nowhere accepts American Express here, fellow bong
Carson Morales
Most supermarkets and restaurants do, online stores too obviously. You'd be surprised fren Or maybe because I'm in Essex, more Poz
Ethan Roberts
Been using debit/cash for 3 years now. Still a student with a part time job. Is "line of credit" better than credit card? I just want it for emergency expenses.
Jordan Diaz
I would recommend a (secured) credit card in your position. A line of credit is usually harder to obtain and often requires collateral. Usually these are used for large purchases.
I wish I had gotten a credit card sooner. Building credit is very helpful for almost anything you want to do after graduation. Needed for apartment rental, house purchase, car loans, etc.
Logan Thomas
Currently in my wallet: Chase Ink - 80,000UR Points after $5000 spend Amex Gold - 50000 Amex Point After $3000 spend
Next on my list is: United Explorer Card - 65000 bonus miles after $10,000 spend Capital One Venture - $500 credit after $3000 spend
Isaac Cooper
It's fine that you make it work. It's just a voluntary system of socialized cash redistribution from the dumb to the smart.
They have you doing exactly what they want you to do, evangelize to normies about this "exploit" you found in the system. Just like casino winners.
Xavier Cruz
I completely understand how this would be the case in certain scenarios. Eg. let's say Walmart is a 5% cashback category for my Chase Freedom card and since I never shop at Walmart, if I shopped there, they'd be getting money out of me.
But how is this the case if I am purchasing things that I already purchase anyways? Getting 1% cash back vs 0% cash back seems like a no-brainer to me, and them knowing my purchases and knowing what I like seems only positive to me, as it would help move market development in my favor (ever so slightly)
Jose Powell
Do you travel a lot? I only travel 3-4 times a year, so I am hesitant to get a travel-focused card. And on top of that, I don't stick to any particular hotel or airline, so the targeted cards seem completely out of the question.
Dominic Lopez
My two main cards are: Amex: 6% cash back on groceries, 3% cash back on gas Capital One: 1.5% cashback on everything
I also have an old Visa card that was my first card I got while in college, it has no benefits and a high APY, but I keep it because it's my oldest line of credit and closing it would hurt my credit score even though i never use it.
Obviously I pay off my statement balance every month, it's silly how worked up people get over using credit cards, as long as you are responsible then they are a net positive.
Samuel Gray
> a voluntary system of socialized cash redistribution from the dumb to the smart
isn't that how every business and economy works? especially right now in a post-scarcity world where we're selling shit that no one needs and creating marketplaces no one wanted.
but i gotta say credit cards are GREAT for security. your debit card gets hacked and you've got some serious problems. wait 5 business days for your $$$ to come back. credit card? make a phone call and the charges (that haven't cleared yet anyways) are removed.
also since when is it an exploit to not live outside your means? the problem with all debt is when people spend more money than they have. the solution is financial education which will never happen in america and THAT's the real conspiracy here.
Oh yeah, I'm not saying not to use it. It makes sense for you to. It's idiots that can't manage themselves.
Easton Bennett
>falling for the credit jew
Landon Collins
>falling for the jew reply jew
Ryan Ortiz
No, because I'm not dumb for paying a butcher for the convenience of having a cut of steak ready for me in a store.
I find it worth being able to just get some meat rather than running my own cattle ranch and slaughterhouse.
But yes, businesses pay around 3% on your transactions to do stuff. Pretty much the costs of good and services have all risen at least 3% because everyone accepts credit cards and businesses pass the fees along or go out of business.
I'm not saying not to use them, I'm just saying that they're not magic money, and convincing normies of such is just a way that credit card companies leverage your positive feelings to get you to voluntarily shill to idiots.
Anthony Williams
I'm using a few >Amex Blue Cash for 3% on groceries and 2% on gas >Chase freedom unlimited for 1.5% on everyday purchases >local bank card for paying a few small bills every month just to keep it active. >recently got a capital one quicksilver card for its intro 0% APR to finance a few repairs on my car. interest doesn't get charged until January 2020.
Juan Bell
debit cards charge businesses fees as well so really the only option is to carry cash if you want to avoid the fees.
Evan Green
And that benefits the business the 3%, but at least you can tell CC companies to fuck off.
Or just start popularizing the notion of saving 2% or 3% on crypto purchases.
Kevin Lewis
>And that benefits the business the 3%, but at least you can tell CC companies to fuck off.
The fees go to the bank that issues the debit card, I would know since I work at a bank and our executives like to remind us to use our debit cards so the bank can make money.
Jordan Brown
Most places that anyone goes now accept cc, so paying with cash and not getting that 1% back basically costs you more, since it is rare for places to charge less for pay-by-cash anymore
Michael Morris
Right, so if you don't use a debit card the business doesn't have to pay that 3%.
Chase Thompson
Got my first credit card with 500 limit, can't pay it in time to stop the interest but that's fine I'm paying well over minimum.
Oliver Wood
OP Here. Was stuck between getting a few different cards. Was considering the 2% CB Citi card, a few travel cards, the Chase Freedom Unlimited, and Capital One Quicksilver CB.
I went with the Quicksilver CB. Got a $10k limit, alright I guess. It's only 1.5% vs the Citi 2x CB which is 2%, but it has 0% apr and a sign-up bonus. It'll be my new daily spender for things other than the specific categories
