Apple Card

No. I started selling shit online when I was 13 before buying online was common so my store is one of the top on mercadolibre (beaner Amazon) today. If you search for any PC part, most watches, colognes, car accessories, etc my shop is omeither the first or one of the first to show.

Bought a Mazda 6 two years ago. Half in cash deposit to Mazda's account and the other half as a transfer from my account. No tax to the government since it was a cash transaction. Not living in the US/Europe is pretty neat when you have money, every time I try to understand the credit score system of the US I can't because it's so retarded.

>every time I try to understand the credit score system of the US I can't because it's so retarded.

It's all about how much money the banks predict they can make off you.
They don't want customers who don't take up loans because no loan = no interest = no profit.

In short, they are "good goyim" points.

>That Tyrone hand
of course.

Every vendor supports credit cards.
Not every vendor supports Apple Pay.

If you're 29, you're a millennial. Also, if you don't have a debit card, then you don't have a bank account, not even a credit union. You must be some kind of idiot.

>2019
>being a street shitting ipajeet

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>Not every vendor supports Apple Pay.

and yet almost every vendor supports Samsung Pay thanks to MST. Android wins again lmao

You're a bad goy and the credit score system is a good thing.
God bless America

If there's one thing Apple has, it's cash. They have an obsession with avoiding taxes. They use their cash for stock buybacks to inflate their stock price. They can easily afford to indebt their 'customers'. Why sell something for the profit margin when you can get interest as well? Why drop the price on something that you want to be expensive when it's so easy to front your customer's the money?

The economy is fucked. One of the biggest companies in the world makes fucking cell phones that are largely financed. You can't even claim that they sell things anymore. It's all about keeping the product moving for your books so Wall Street can justify the mutual decision to keep the stock price high.

Not to mention the 2nd layer of economic incestuousness where a major financial firm is partnering with a major corporation. Do you think they have a vested interest in artificially inflating the valuation of a partner company?

>29 years
>zoomer
yeah ok keep dreaming boomer

collect that credit goy

I built my credit up as a teen with a secured debit card

debit>credit

>tfw debt free for over 42 years

Not him, but I have a few vehicles and houses. No loans, no mortgages, no debt.

stop acting like you've ever spent more than $1000 at once, retard.

you're that old and you're still coming here for validation? christ.

explain to me why I would ever want to take a loan.
what is the purpose?

I wonder if blacked.com will accept Apple Pay.

>if you don't have a debit card, then you don't have a bank account
Not necessarily true. Many banks offer an option to give you an ATM card instead of a debit card. The difference is that you can't use an ATM card everywhere like a debit, only for cash. Often used for savings accounts.

>2019
>using a physical credit card
ISHYGDDT

uh... housing, transportation, emergency card for travelling purposes, any number of those are good reasons.

Because the interest rate is negative.

build credit to buy a house or new car with favorable conditions
ideally you take out a loan or credit card with an amount you pay off that you're never at risk of defaulting on till your ready for a house or car and now have a lower interest rate

But you didn't buy the house. You just pay rent to the bank. With interest.
What kind of a moron are you anyway?

ITT morons bumping a literal advertisement thread

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most people don't buy houses in cash
I personally don't have 200k stashed away, so you get a mortgage. Are you 16 or something? Most people get passed the paradoxical nature of credit by the time they actually are old enough to get a credit card

you probably forgot to sage anyway faggot

Boomer retard

Let's say a bank will give you $1000 and at the end of year you give the bank $1010. That's a 1% loan. Meanwhile, you invest that $1000 into a simple investment vehicle like a bank CD offering 2% interest. At the end of the month you get $1020 from the bank, give the first bank $1010, and pocket $10 from doing nothing.

ZOMG !!!11 FR33 INFINITE MONEYZ ???!!11
DO ENERGY NEXT!!!1

>most people don't buy houses in cash
Why would I want to buy something I can't afford and enslave myself to the banks?
If I couldn't afford a house I would just live on rent and spend the extra money doing things I enjoy.
> Are you 16 or something? Most people get passed the paradoxical nature of credit by the time they actually are old enough to get a credit card
This isn't even an argument. You contradicting yourself by admitting it is a paradox and yet you follow it, because you have "grown up". Well I guess dementia, does come with old age.

It depends. The rent might eventually exceed the interest you would pay on the loan itself, circumstances depending. It can be a good option if you get a low interest rate loan when the market is good.

>It can be a good option when the funny hat people at the Federal Reserve™ decide they don’t want to fuck you over at any point during your multi-decade loan

Fixed APR loans are available. If you're referring to the value of the dollar, the Fed has plenty of incentive to control inflation to a reasonable degree over the long run or else the strength of the national economy would be damaged. Historically inflation rates have averaged at around 2% per year.

By the huehue way

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go home brainlet

There is nothing wrong with fat rapey indian men

gay cunt

The US / European systems are run by Jews. Literally. The whole thing is fixed so that you either have the complete cash (nobody that gets a regular paycheck while playing rent can) or you have to take a loan to get "approval". Shit is rigged as fuck, people that could afford to pay it in parts can't without getting the banks involved and if you haven't been a good goy your whole life they give you horrible conditions. American boomers are amazed that in the rest of the world to buy a house is the same process as buying a used car like it should. It's even worse for young people, paying rent they'll never own a house.

America is literally the country with the highest home ownership rate outside of third world shitholes.

Cost of opportunity duh.

Blacked.com recommends Apple Pay

I have 3 different accounts with 3 banks, not a single card. If you open a 30 or 90 days investment account and deny the card before you sign they don't even begin the process.

I know right? You would think they wouldn't have any human in the shot instead they opt for black male.
>Marisa Robertson

Because old people refuse to die already. Also I'm sure even people with two mortgages count as home owners in those statistics.

Oh it's an actual card. Smart move. Will probably succeed where all the others failed

>he's never owned a metal credit card
>he doesn't know the numbers are printed on the back

>be iphone gangster rappers and whatnot
>sell drugs via Apple iCard™
>apple is fined and shut down for being a platform for distribution of drugs
works for me

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Mercadolibre would be the spic ebay instead of amazon. By the way, send some ecommerce tips fucker.

Better get used to seller central lad, Amazon is injecting massive amounts of money to get ready to operate in South America.

>works for me
Your own little fantasy.
How cute.

Underrated post

I have a couple hundred grand in my Ameritrade account and my wife and I each have a little cash, like 15k or so, in our personal accounts and the same in the joint for emergencies. We own our house and cars free and clear.

Imagine slaving away for a bank, LOL.

Wells Fargo’s primary business seems to be laundering drug money and they never get shut down.

>zoomers are scared of things they don't understand
Sounds great, I will keep collecting points and establishing credit history. Have fun renting for life faggot.

I am too lazy to do my own research. What even is this thing. Who is the issuing bank? What is the purpose of it? What is the monetization angle? What is the incentive for consumers?

What I like of the Apple card is that it will help out in the process of identifying fags and douchebags almost immediately.

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nice larp argie

Hahahaha
You actually go inside a bank during business hours and stay in line to withdraw money? AHAHAHAHA

HAHA
>When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does it in real time, so you can make an informed decision about how much of your balance to pay down.
>Late or missed payments will result in additional interest accumulating toward your balance.
>Variable APRs range from 13.24% to 24.24% based on creditworthiness. Rates as of March 2019.
HAHA so it is basically just a normal fucking credit card. My bank has a fancy app too apple, really is nothing special.

>Not every vendor supports Apple Pay.
Apple pay is just normal NFC/Tap payments. Everyone accepts it, the only issue is when it is over your tap limit.
Except maybe in 'Murrica where you have to swipe your card and sign, or pay by cheque or whatever the fuck.

This is a really weird LARP.

>every time I try to understand the credit score system of the US I can't because it's so retarded.
user, it is not the system that is retarded...
No you fucking retard, it is too deal with Lemon Markets/Moral Hazard and Assymetrical information. The problem with high interest rates, is the type of people who would accept them, are the people most likely to default. But at the same time, to make a profit off assuming the risk, lenders have to have interest, and thus the higher the risk the more interest. Creating a catch 22. Credit history is just a way of clearing up asymmetric information, that is why the better your credit history, the lower interest you can get.
Because money today is worth more than money tomorrow.

I love how they announced it like it was some revolutionary new thing. Then in the fineprint it basically says it is just a regular credit card.

Wait, don't applel phones have nfc?
Why would you carry plus one card around for a functionality that your phone already has?

The American banking system is fucked, so tap is far, far far, from ubiquitous. Plus purchases over a few hundred dollars usually require chip and pin.

>I started selling shit online when I was 13 before buying online was common so my store is one of the top on mercadolibre (beaner Amazon) today.

did you know? you are just a Re-seller, a Intermediary. And nobody uses ML anymore: only sell crap with bad descriptions and blurry photos

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>2019
>Having a credit card
>Using fiat currency

I hope you switched to crypto my fellow chads.

The one thing Apple are good at, separating dumb cunts from money

Even if you don't need credit, it's still a good idea to maintain a line. Either that, you you get to pay 3 times as much in car insurance.

I guess it makes sense..

A millennial is someone born '98 and above.

FAGGOT!

>2019
>not using Samsung pay
I'm lmaoing at android and apple pay losers. Have fun using actual credit cards. I'll be over here with my high end galaxy phone that can pay at any card swipe device to pay for my shit.

>black person
>white card

it's like poetry

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When did MacBooks have integrated Smart Card readers?

That’s a zoomer you dumb negro

What's that on the right?

>I'm a 29 years young
You're not young

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>nigger hands
>apple shit
>spending money that isn't yours

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> > 2019
> > having a credit card

> I seriously hope you guys don't do this.
FTFY.

I never need to withdraw money. I'm not a wage cuck. Those accounts are for transfers only. I love that you can't even imagine somebody just having money to buy things any day.

>Apple pay is just normal NFC/Tap payments. Everyone accepts it, the only issue is when it is over your tap limit.

Apple Pay doesn't have a transaction limit.

>using your credit card to put money into your Apple credit card

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>Not buying everything Cash and keeping spare in Gold.
Keep paying the Banking jew

Hey how's that new Redmi 7 Jamaal?

I pay off my cc every day and dont use my debit, in the rare chance fraud theres less worry imo

That's not how that works. The percentage of ML's market share has gone down but the amount of people that buy online has gone up. 25% of many costumers is better than 75% of a few. I'm selling way more today than a few years back. Specially since el buen fin stared, that retarded plot actually worked, at least for online retailers even after it ends the sales stay highers than the last year.

i got an f rated credit rating after forgetting to pay my students loans for 3 months. i've had a credit card that ive payed off every month for like 8 years lol it wont even go up now that ive been paying

>Collecting good boy points.

I don't live in China user.

28 year old doomer here same I literally can't get debt
On the downside I have no money

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>More points will show my Creditor masters I'm a good goy.
>I'll even get a free movie ticket or 5% discount at Walmart.

/thread
Biz is leaking and I love it

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