Exceptional credit

This. I'm not at 800 and I got loaned 600k in a single week. 800 is a meme.

came in here to post this

try to stop me

what the fuck is credit

Fucking loosers. Get at me

Attached: EF9EA423-EBF5-4832-B8FD-BC36DE623739.png (750x1334, 397K)

Age of accounts
Just gotta wait

Which cards do you have?

Pay off your debt and don't miss payments nigga. It's literally that easy

I highly recommend the sapphire reserve for you good credit fags. The card is literally the best in its class. This 840 credit life is hard for a nigga I tell you. Everybody tries to consistently throw me free money .

nice just stole 100k identities

discover, gives 3 percent cash back first year then 1.5 percent after that. ill use this until its up

chase freedom, 150$ after the first 500 you spend on tbe card

amex blue cash, 150$ after first 1k spent

have a capitol one that i dont use anymore, forget what bonus they had

citi card was my first card but they are fuckers and my account is basically inactive now but the credit limit still holds. every time i call for them to send a replacement card they dont do it so i gave up. i think its the easiest entry level cash back card to get approved for. no.bonus, just 2 percent on everything.

Look into sapphire reserve

50k points for signing up and not being a poor fag

3x points on food and travel

2x points on ebevything else

$375 travel credit every year

Fre Priority pass for airport lounge access

Best of all, it’s a fucking black metal card

All for $450 a year

also it seems like amex throws out the biggest credit lines out the gate. they preapproved me for 10k when my vredit limit at the time was only 5k.

500 here i cant be saved

i was actually going to grab that one next, but i will wait for my 3 percent with discover to run out first. i travel alot so it pays for itself for sure

839 here.

Visa hates me because I dont carry a balance. They keep giving me a higher limit.

Good credit is not just a meme

For people who travel a lot, having a special card will change your life, not to mention buying cars at interest rates lower than inflation (always better to invest liquid capital in that situation over paying cash) as well as low market apr rates on a home (which can save 200-300 a month on your mortgage)

I learned from watching my degenerate parents struggle that people with bad credit will stay poor.

Discover card sounds nice.

So far my main card is amex blue cash preferred, it's nice but I don't like how their cash back system works. You can only cash it out in increments of I think $50, however
>6% cash back at supermarkets
>3% cash back on gas
>1.5% everything else

For $95/year

Wrong, wrong, wrong. In fact, paying off debts is damaging to your credit. You want to make sure you hold a balance of around 20% on your cards at all times, if you pay them off too frequently you will lose credit rating. Banks want you to be at risk, so you need to pretend to be for them. 20% credit utilization at all times, multiple cards and loans and paying the debts on time. Those are the secrets to an 800+ score. Which is why I don't fucking care about 800. I'd rather not have to juggle my credit, 770-790 is good enough to get any loan or card you want and you can just pay shit off whenever and only have a couple of cards you use. Much easier to deal with IMO.

Point cards usually offer better rewards.... bang for buck

For example, 25k points on any chase card is a free round trip flight to anywhere in the USA or Hawaii.

I think 125k gets you a business class seat to Europe or Japan.

But hey man, as long as you getting free money for nothing your fucking winning. Free shit for being responsible is nice.

I heard this before, in my 840 situation your wrong.

I have a car I just paid off. I only currently have about 2k open on 70k worth or credit.

When I had a higher balance my credit was lower. Every situation is different though, length of how long your accounts have been open is also a big factor.

You pay for a card, fucking loser.

I have a 812 and never need credit. I have one card and zero balance. Having a 850 score would do nothing for me

Hey fuck boi. I pay 175 a year after my “travel credit”. You know how much dollar value I have gained in points this year? Somewhere around 2k usd.

So for simply using my credit card I made almost 2 grand. I get free fuckng alcohol and food at any airport whenever i travel.

not to mention all the free upgrades i receive in general

as well as getting drinks at any bar before you broke ass fags with plastic debt cards. Bar tenders like me.

Stay poor

How much money would you have to spend to get that many points?

>getting drinks at any bar before you broke ass fags with plastic debt cards

>Bar tenders like me.
Smart, real smart.

No one cares that you squander money at bars. You sound like a nigger.

Keep convincing yourself you are special.

Due to my job I eat out every single day twice a day. All those meals are 3x points. My wife and I also eat out often on the weekends. I travel a lots as well which is also 3x points.

I pay every single bill of mine on the said card, and I pay the balance every month. Cell phones, electric....everything. Only thing I pay with bank accounts is mortgage and any car payments I have at the time (for my wife and I). She gives me her percentage of the bills via check and I pay. (We don’t believe in a shared account)

I would assume I spend a very good amount on the card per year, probably more than 50k

It’s a good question and now I’m curious my self how much I spent a year.

You should see me drop $500 at the strip club than if u think buying drinks is squandering money. I’m not a neet, I have workers hard as fuck for everything I own and I own. yes sometimes my idea of fun is alcohol, drugs, and girls which in moderation I have no problem dropping money on.

Like I said, stay poor.

23 with a 720, 3k credit card limit.

>drop $500 at the strip club
That's sad you brag about giving money to whores.

I dated strippers and bragged when they would buy me stuff with money they got from un-fuckable losers.

Stay ugly. Keep supporting single moms with your piss poor mentality.

I’ll illustrating to you thst I spend stupid money on stupid shit.... it makes me happy and I have it to spend... so think whatever u want

Your a Typical 575 credit score neet.

Muaaaaaa.... I don’t need credit I got bitcoinz

Muaaaaaa, I’m a life long renter

GOOD
O
Y

>ellipsis spam

You're a boomer arent ya?

Nice fampai

I’m an early 30s fag who came from nothing, who as a blue color job and makes right Around 6 figures and who has a wife who also came from shit and makes good money.

Anybody can do it.

798 after I just finished paying off the $4k I put into crypto on credit in december.

>I spend stupid money on stupid shit
Welcome to Jow Forums

Now calm down, take a zantax or whatever you take for your small penis related anxiety, and tell us what ponzi coin you are promoting

>24
>never moved out
>never had a credit card
>0 credit score
how fucked am I?

Buying crypto on credit, you are now officially the dumbest cuck in this post.

The idiot who pays to use a metal credit card and brags about spending money on whores and alcohol is officially second place .

You're six years late, better catch up

Gvt
Icx
Amb
Eng

Can’t wait to stop working and buy more whores, steaks and coke.

Im in like the 700s. How do I get it higher? KreditKarma or whatever it is suggests that I don't have enough cards, I only have one, and I dont have enough variety of types of credit like I should get a revolving type like a personal line of credit or morgage.
I have a savings account at a credit union should I ask them for a credit card or personal line of credit? Im a NEET though so if I where to try that I'd have to lie to them or they would deny me. I cant just tell them I make money trading so I have to come up with some kind of plausible lie on how I make income. Whats the best way?

>Flaunting your good goy score
You guys do know that credit /= wealth, right?

card applications just ask for yoir income estimate and you can put “other” and type out your explanation. they will accept you in the 700s. other than that, you could put a loan out and leverage your car through yoir credit union maybe. or sell your car and finance a new 15k econo shitbox, or finance a used car if you dont mind taking a hit. i wouldnt worry about it tho, yoir score is good just keep applying for cards and credit increases

is it illegal to lie to my cc company about how much I have in the bank on their limit raise application?

I've been listing my crypto as assets heh

my limit is pretty low (11k) and I've been really good about paying it off so I figure they won't dig too much

>We don’t believe in a shared account
lol cucked

good goy.

That's why he spends money at strip clubs. He loves being a cuck

I'm european so my credit score is infinity

Wait are you suggesting that they would accept someone in 700s who is a neet? I thought normies working in a bank would be like trading is too risky income so basically the same tier as neet and deny applications for line of credit or credit card.

the interest rate is low right now. money is worthless. they give it to anyone