Credit Cards

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If it's not paid off by 25 you failed at life somehow

Because of my job, I make a few thousand $ a year of credit card points because I book all my work travel with my personal card (company policy).

Cash is for poor people and whores.

Meanwhile...

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Dawg just jew them back, i make about $2,500 a year in FREE MONEY by just putting my bills on credit cards and paying them off every month

Yeah, your average person is stupid.

If you're too stupid to use a credit responsibly don't get one.

>Falling for kike schemes because they give you back money you spent on shit you probably don't even need
Kys, this is stockholm syndrome type of shit.

Fucking amateur. One of my credit cards has a limit of $75,000. My best credit card gives me 2.5% cash back on every purchase.

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Retard, do you spend money on food and water? Internet bills? Phone bills? Necessities of life? You get back free money for money you have to spend to live, why is this hard to understand?

>Not paying the jews back the minimum while putting everything else into chainlink

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I owe 130K
I have 95 split between stocks and crypto

I'm never paying that shit back

based retard poster

what are everyday expenses? what are bills? do you even have any or does mommy pay for them?

Soon you'll get a free dreidel
What part of "credit cards are designed to make you spend more on thing you don't need" do you not understand? I never mentioned any of that shit, retard.

Guys, you’re supposed to be churning cards for intro bonuses, if you do it correctly you get 15-18% cash back on spending instead of 1-2%

Thank me later

So you have an IQ of 75? Don’t get a credit card then and shut up about it if you can’t control your spending

>Shills for plastic because he gets literal pennies compared to what he spends
>"I swear I don't impulse buy with my credit card"
Keep shilling, queer

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>Buy bitcoin with card
>Get miles
>Still have my bags ready for halving

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Of course. I've rotated through at least 15 different credit cards since 2015. That's why my cumulative credit limit is so high.

Lmao stay poor and mad, your underage and newfag is showing. You’ll get it once you leave mommy’s basement sonny

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Even if credit cards make you spend only 5% more, which is more than that, you getting 1-2% back is fucking stupid. You're under an illusion of a good deal.

Sure buddy, that's why most credit card users are in debt.

Cash is for rich people who can afford to buy anything they want without having to borrow money.

Credit cards are for poor people pretending to live wealthy lifestyles that are way beyond their means financed by massive amounts of kike debt.

Haha are you brain dead?

1) they don’t make me spend more
2) i pay them off in full
3) i’m churning cards for intro bonuses
4) doing this gives ~17% back on money you were spending anyways

Some people will NEVER fucking get it. Stay poor is guess.

Leave this board kike. You aren't welcome here.

What?

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Says the braindead npc debt slave. If you could afford it you wouldn't need to buy it on credit.

explain

this board is overrun with reddit fags whose shit tier understanding of debt economics is a direct result of their shit tier politics

>a newfag test

>They don't make me spend more
Sure... I totally believe you.
>Pay them off in full
Good goy, now donate to our local synagogue
>Extra 2k a year is a bonus
And you call me a poor fag, lmao
>Gets me 17% back
Yeah, on money you probably spent an extra 20% than if you used cash.

Also

ISREAL HAS NO RIGHT TO EXIST

I have pretty good spending habits but I've never touched credit cards, where is a good place to get more information on outjewing these companies? I'm guessing they work like everything else where the temptation to go beyond your limits is what gets you in the end. I never really buy anything except a new video game once every couple months and bills/food. The rest goes into crypto for now.

How do I effectively take advantage of this?

I didn't say that (You) are in debt you fuck. Learn to fucking read.

Whats a good way to get up the goycard ladder? I want more than 2% return on everything

Example: Sign up for a credit card that gives you $500 for spending $3000 in the first 3 months. Literally put every single bill you have on said card. Collect free $500. The minute you collect said $500 apply for a different card with a similar bonus. Rinse and repeat. There are lots of youtube videos about these tactics.

Bruh
I haven't had less than $40,000 cash in the bank since 2016. I make money faster than I can spend/invest it.
>after tax income

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Pay off the balance each month.
And this

Don't bother, investing>saving>spending.

Stay poor. There’s no helping you. 2/10 for making me respond.

Why even respond then? Go post on /v/ or something child

Any good websites that have concise lists for reward/card information? Getting decent information out of google is a nightmare these days

>When in doubt just call him poor, hahaha.
Usury is for fucking idiots, fuck off.

hustlermoneyblog.com/
doctorofcredit.com/

I keep an Excel spreadsheet to tabs on what I have.

creditkarma

Faggot, you're not too far from a position to get way ahead.

Getting out of debt really helps you. You think you'll be able to retire someday not paying off that debt?

Grow up user, you're so close to making it.

How many times will you post jew memes? Back Jow Forums guy, you escaped! Your brain melt is showing!

There’s also a youtube guy called asksebby, he provides a ton of info on every single card offer in detail, once you get the hang out how to play this it will open your eyes

Hey, thank you for the info user

Yea I've seen that on there every once in a while but I don't really trust third parties that already know your credit since they'll take advantage of knowing your personal information for customized ads. Maybe that's a brainlet move on my part but something just feels off about their suggestions

How can you get 17% back on a 2% reward?

If you calculate the cashback for only spending on intro bonus cards it’s usually around 15-18% cash back

He's referring to a sign up bonus where you get $500 for spending $3000 with the credit card. There is much easier stuff out there though. There are at least half a dozen cards that give your $150 for spending only $500 in 3 months. That's 30%.

These are just endless advertisments.
Don't you guys have a site like moneysupermart.com or comparethemarket.com ?

It's easier to fool someone than to convince them they've been fooled.
In the end just remember this: the amount of money you have to spend to get any worthy "rewards" from your pieces of plastic you could just as easily invest literally anywhere else and see better returns. I know I'm probably preaching to the choir, but crypto is a far better place to put your money in.
I don't know why I bothered with this shit since every retarded normie and their dog is obsessed with their FISA score just because they get like 2k a year back, but ignore the fact that plastic literally makes you spend more money than normal.

>be me
>take out a loan for $80,000
>never ever pay back a single penny
kek, feels good taking getting back at the Jews for once

Geez, makes my $7k in credit card debt feel paltry. I’ve been unemployed and basically living off them, I can’t imagine actually having steady income and still going into credit card debt.

Doesnt applying for all those cards and only holding them for a short period of time destroy your credit score?

>you think you'll be able to retire someday not paying off that debt
he can move to another country, you stupid faggot

No. You credit score might go down 1 or 2 points but it rebounds quickly from the higher overall credit limit. And the hard inquiries are dropped after 2 years. My FICO is 774 and I have at least 15 active credit cards.

*FICO score

You have no fucking brain dude. Please stop posting.

might not be the best out there but doesn't hurt to look to gather some options

You are all crazy. These even cards sound like total scams, I've had people try bitcoin scams that sound more legit.
Don't you get like 0% form x Months or something? The idea of rewarding you for getting into debt just doesn't sit well with me, even if it is as simple a just paying it off right away

That's a good score. Is it really worth all the trouble for a couple thousand a year? Seems really tedious

I’m in the low 800’s and already own a home so i’m not worried about it, the main thing that affects your score is length if credit history, on time payments, and how much of a balance you are carrying. Applying to 2 dozen cards doesn’t affect it much

it's better to invest your cash and take on debt than spend your cash instead of investing it in an inflationary economy

Nothing I said is false. If you're only reason for using these things is getting money back on money you spent with credit cards, which are literally designed to make you spend more than the percentage you get back, then you're never going to understand why you're being scammed.

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It's not tedious. I get the bonus by spending money on regular shit like gas, groceries, and car insurance. It easily adds up to $500-$1500 in 3 months. And then I set up automatic payments to clear the debt before interest kicks in at 12-18 months.

>no debt
>have credit cards
>profit off credit cards
>always pay in full
Listen all you have to do is not be emotional with your money and you will be good. Don't buy things you don't need just because they feel attractive.

but how do I bring my good goy score up if I don't use my mark of the beast?

As much as I hate using this word, this is literal NPC behavior. Keep defending your superiors in this thread.

What do you do when you're done with the card? Just never use it? Or do you close the account

Just because you think you're not consciously spending money on impulse buys doesn't mean you're not doing it at all. If it wasn't a subconscious thing then credit cards would have never taken off.

closing a credit card account can actually damage your score, it's usually best to leave the account open unless you really do have way too many cards and need to get rid of some of them

I make impulse purchases with crypto.com (MRO) debit card that gives me cashback so why not use a credit card that gives me cashback

I never use it. But I might start closing the accounts. The new cards decrease the average age of my accounts and the higher overall credit limit has gotten me declined for a card before.

>things you
Okay Dave Ramsey, whatever you say.

you're digging your heels in the wrong sand here tho. if you're buying water to prevent yourself from dehydrating, why spend cash when you can get a 2% discount using credit? it is irrational to use the cash and abandon the discount. case closed. nys.

don't feed the schizo

Because compared to the money you spend normally to the amount you spend with a credit card percentage wise is much greater than any cash back percentage.
You're better off just investing in crypto or something else.

Literally who? Is that the guy who invented credit cards?
That's a very rare circumstance, starving in most first world countries is rare. You're grasping at straws.
Don't argue, just increase your FICO score.

no, I am using an extreme example to illustrate a concept, to put it in bold if you will.

the concept being, when purchasing something that you would have always purchased on any timeline or interpretation, it's best to use credit to both preserve your on hand capital and to harvest simple rewards like mileage and cashback.

FUCKEN kike

Usury was banned in the Bible for a Reason

If you're that poor chances are you're not good with money anyways. At that point some dramatic lifestyle changes would have to happen. That 2% discount is insignificant compared to what you could be doing instead to avoid extreme poverty.

wait what? I'm literally flush with cash and I got this way by being on the winning end of the credit card game. You're wacky man.

itt idiots who dont understand credit

I’m an atheist you fucking moron. Fuck didn’t we beat you dumbasses off the internet in the early 2000’s? There is no god. Jesus doesn’t exist. You are all fucking retards.

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