What credit cards does Jow Forums have?

I charge to only one card regularly and it's easy to keep track of everything with mint.com. I also have the advantage of having high credit availability and low credit usage percent.

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I'm not poor, I can just afford things without jews watching me or having to borrow money.

Citi Double Cash. The most patrician card.

Discover It Student
Chase Freedom
BoA Cash Rewards (aka the 3% back on everything I buy online card)

Suggest shit lads I'm not a points person. Fuck Citi for dumping all of their benefits so I'm not even bothering with the Double Cash

I have 4, I use them sparingly...really just for booking flights. No bank will ever give you a mortgage without proper credit and the easiest way to do that is with credit cards.

Only poor people pay with cash though

Your either super poor or super rich. Only two groups of people that pay for things in cash and it’s very easy to tell the difference.

If your too stupid to pay them off

No one pays for things in cash except poor people. There's literally no benefit only downsides.
>Can lose physical cash easily
>Takes longer to calculate the transaction
>No extended warranty
>Don't get any of the perks that come with credit cards
>Don't build your credit
>No cash back/whatever points

Literally why would you ever use cash?

I see this all the time, but why is this the case? Are they too dumb to realize the benefits? Because unless you have terrible credit, the barriers to entry for getting a low tier credit card aren't that huge.

Credit cards are only a scam for subhuman retards

They don't have good enough credit to get anything besides a secured credit card, they lack the knowledge OR they can't control their impulse buying so it's easier to "visualize" spending actual cash compared to paying by card where you don't "see" yourself giving away hundreds of dollars.

Credit cards are indeed a trap meant to make you fall into perpetual debt. You can use them to your advantage though, as long as you never use them as actual credit. If you never spend any money you don't have, then you can always pay on time and enjoy the benefits.

Use a debit card or your phone, you backward hillbilly faggot. This isn't the 80's.

You mean using your phone where it's linked to your creditcard through android or applepay you retard?

And debit cards are risky if you get skimmed you're likely either out that money or waiting a long time to get it back. With CC it's the bank's money.

>use your debit card or your phone
This is retarded advice. Just use a credit card and pay off your bill at the end of the month

Apple pay? Getting skimmed? Are you guys from the 1960's? Jesus christ in heaven fukken burger education man.

I feel like there isn't much reason to have more than like 4 or 5 credit cards. Keeping track of all those accounts sounds like a massive pain in the ass

ATM cards get skimmed all the time. I hope you're not taking money out of random ATMs

I have just two cards. All I need really. Score is 783.

Bank card - Mastercard

Capital one credit card - Visa

I use cash. For "play money" for the week/month. So that way no having to use plastic for every little thing. Makes the cards last longer to cause they don't wear out as fast due to constant insertions/removals.

Plus it's kinda retarded, whipping out a card just to pay for a pop and a candy bar for example.

My debit card got skimmed literally like a year ago, it's extremely common.

And how are they skimming a randomized code generated based on a private key and a timestamp? Security has evolved. If you're that worried, just use your bank app with nfc and limit the maximum transactions. You can this stuff on a smartwatch these days.

There's still a magnetic strip on all of the fucking cards you retard

You guys still have those magnetic strips you see in old movies or something?

Haha, nice try but no those were obsolete and insecure a decade ago and finally retired half a decade ago where I live. Sounds like you guys just use trash banks using outdated tech and probably COBOL to do their accounting.

We have both chip and magnetic strip. ATMs require full insertion of the card and can easily get hooked up with a skimmer. Gas pumps tend to still use the magnetic strips to read your card

Wow ok, didn't know that. Is there at least a pin required as basic security? It's pretty easy to film the code too but it makes skimming more of a hassle.

>one post by this id

I use the paypal credit card i get 3% on gas and restaurants and 2% on paypal purchases

Apple Card. Every other credit card is obsolete. I literally cancelled everything else already. This is the future.

holy shit, that actually sounds really good. i should look into that

whats so great about it anyway? and dont you need an iphone for it to even work?

This

>whats so great about it anyway? and dont you need an iphone for it to even work?

Futuristic design
Titanium card
Software that actually works because it wasn't written by Indians making $5/hour
Cash back on every transaction no stupid points
Advanced budgeting
Fraud protection that actually works

iPhone is not a problem in my mind. Every successful person I know would never settle for an Android.

>Costco Visa
>Chase Sapphire Preferred

also 815 Fico. Took nearly 8 years to build that score. All credit is frozen at all times

Sell me on the Sapphire Preferred.

>Futuristic design
you cant be serious

>Titanium card
why would i possibly need a titanium card

>Software that actually works because it wasn't written by Indians making $5/hour
probably true on this

>Cash back on every transaction no stupid points
most of the cards posted in this thread do cash back. also what the fuck is "daily cash"? why does apple have to make up new shit just for the sake of being different.

>Advanced budgeting
only niggers and women need this, although it probably still wont even help them, kek

>Fraud protection that actually works
never had a problem with my cards

Because Gen Y was raised by boomers, who are so far stuck in the past that they taught us all that credit cards are the devil. Some people took the bait.
I don't know what Gen X teaches their kids but I think they're better at not being stupid on credit cards.

It's hard to skim a card when they are using the chip instead of swiping the thing

>also what the fuck is "daily cash"? why does apple have to make up new shit just for the sake of being different.
Basically instead of getting the cash back amount placed into your account monthly, the apple card does it daily.
It's a gimmick.

Amazon card - love them points

Capital One Gold Card - Keep it in the safe, only plus to it is currency exchanges are FREE, it's great when in in another country.

Another platinum card I hide from the wife so I can rent hotel rooms to fuck the side piece.

I have usbank cash+. 5 percent on two categories i pick every quarter, plus another 2 percent on another category, 1 percent on everything else with no fees. I think it's the best of those "category" cards, but i fell for the kike scam and have had to pay interest for close to a year now i bet because i lived on credit during my last year of college.

Any recs for a more "general" credit card that i can use outside of those categories? Credit is good enough to get approved for most, i just don't spend enough to afford any card with fees. Alliant credit union has some nice offerings, i think.

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now I can understand why niggers and women want the card so damn much. they always think short term.

I've been with capital one for a while and I've never heard of this gold card

Citi Double Cash. 2% cash back on all purchases.

So do you actually need an iphone to use it? Do they have an android app?

I'd have to dig it out - wife got it like a decade ago. haven't used it in YEARS. It's got this weird clause on it where if you miss a payment you have to pay all the back fees they covered for you. Suffice to say, I pay that fucker off the second I see a balance.

Side note but i am also waiting for this sucker to come out. Being able to use my crypto as a credit line and getting 5 percent cashback on everything is a really smart idea and i hope this goes domewh3re.

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Why does it matter so much? Just get an iPhone as it's a vastly superior OS.

I can't held but be worried that whenever something promising like this comes out it might be some indian scam.
>Just get an iPhone as it's a vastly superior OS.
user I...

Chase Business Ink Unlimited.

Only 1.5% cash back but you get $500 introductory cash back for spending $3000 in first few months and you also get to write down what you spend with the card as business expense deductibles when you file taxes. Pretty good man.

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Perhaps it is, I'm hesitant about it as well, but it seems like they jumped through the hoops to be a security, and you are insured if the company goes under it sounds like (at least for stablecoins) so i think it could be good.

>you also get to write down what you spend with the card as business expense deductibles when you file taxes
Kek, that sounds too good to be true

It’s on a business card you brainlet, therefore a business expense.

i have the exact same score as a 19 year old with 1 student card

>Sapphire Preferred (best portal to spend points)
>Sapphire Freedom (general 1.5x point earn)
These two combined are really powerful for racking up points.

>Marriott Bonvoy (Free night a year, hotel perks, good points on travel)

>Chase Amazon

5% cash back on amazon

>Chase Ink Business
Ties in with the first two, just for my business (27k expenses a year convert to a lot of points)

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this

I hope that you're being ironic

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Just a flight miles card that I funnel the miles back into UND buys.

It's a Cap 1 Venture btw. solid entry points. made $700.

What do you mean? As long as you didn't regularly buy McDonalds dollar menu and other odd non-business related things with your business card, they all pass as deductible-worthy business expenses when you file taxes. At least that's what my CPA says.

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Chase freedom unlimited for every transaction. Got a hundred dollareedoos in rewards in a few months so far. Wanted a Citi Double cash card but they approved me, and then denied me after I was approved. I'll apply again when my Chase's double cash back expires, and those fucks better approve me this time!

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I hope that you're saving your receipts and are documenting how all of those cheeseburgers are essential to the functioning of your business.

Occasional food expenses are fine, esp if its stuff like individually packaged snacks and soda for the office. Good luck telling the IRS that you eat out at mcdonalds with customers every day.

Visa Infinite black

Oh fuck off faggot. You don't have that fucking card, and even if you were eligible, unless you're a boomer, you wouldn't want it anyway.
>ever paying for a credit card in current year, or any year ever
LOL at your life

I'm saying that I don't buy random shit like cheeseburgers with the business card. I have personal use credit cards for that.

>approved
>then denied
kek, u got jewed™ user

>all the people ITT with over 9000 credit cards
Jesus fucking Christ, no wonder Americans are so cucked by debt

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I've made $140 cashback so far this year by paying all my bills, groceries, gas etc with my credit card and then immediately paying it off so I don't pay interest. Am I being scammed?

Very easy to track with mint.com. I stop using the card as soon as I spend enough to reach the intro bonus. Then I pay the minimum until the 0% intro APR runs out 12-18 months later. And I only charge to one card regularly which balance gets paid in full each month. I never paid a dime in interest.

t. financially illiterate retard

He’s right, nt everyone lives in the US.

In most European countries, having a credir cards results in less chance of getting mortgage, because if you need debt to pay for things, you’re not credible.

Also no % return, most cards you will pay monthy fee for etc.

Literally you either py with cash or debit card, never credit card, credir cards are for financially iliterate.

I literally dont know a single person who has a credit card here. Because I’m not friends with financially illiterate idiots.

Isn't using a credit card more safe?

Cap One Quicksilver Mastercard (was my first card, buy something on it once a month to keep access to it)

Amex Plat (what I basically use for everything)

Credt card is a bad thing here, because it means you have a debt and lowers your imaginary “credit score” - no such a thing here.

If you want to get a mortgage, first two things are: stable income from good job, no debt (no credit cards or other debts).

It’s different from the US where having debt is praised. You’re debt cucks.

What are the best cuckcards for europoors?
Asking for a fren.

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Debit card or you get fucked with CCs. They mostly offer no advantage and in the future when applying for a mortgage, you won’t get one

Haha oh wow, you are serious aren't you? The UI is literally designed to be confusing and unusable so that you can only use apple products because everything else will feel wrong. It turns you into a retarded cripple with computers. Pretty genius way to bind clients actually. Charge them 9 times the worth for a crappy chinese phone with an OS built on the open source bsd kernel and they love you for it.

No, credit card info is really easy to steal but the costs of that are accepted and calculated into the price people pay for having them