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Forum » Just LOL if you don’t have a metal credit card
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Thread: Just LOL if you don’t have a metal credit card

post 1565218111 11-02-2018, 01:17 PM
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#61
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Originally Posted By Jayl12345⏩
LOL at paying $500 anually for that BS


In B4 "I'm the one guy the fee doesn't apply to!"
Actually, it won't apply to you as US Servicemen and women can have the annual fee waived
post 1565218181 11-02-2018, 01:17 PM
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Lol @ people who actually pay for things. Five-finger discount crew
post 1565218211 11-02-2018, 01:18 PM
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Originally Posted By EnforcerOTF⏩
Actually, it won't apply to you as US Servicemen and women can have the annual fee waived
Mad jelly that they get the fee waived
No man has the right to be an amateur in the matter of physical training. It is a shame for a man to grow old without seeing the beauty and strength of which his body is capable.

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post 1565218721 11-02-2018, 01:25 PM
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#64
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Originally Posted By CherryPopinski⏩
Mad jelly that they get the fee waived
LOL agreed. I might look into it
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post 1565219051 11-02-2018, 01:29 PM
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UPDATE:

DAMN

https://www.budgetchaos.com/chase-sa...ry-fee-waiver/

Amex AND Chase wave the fee. Maybe I'll look into them after all.
██ █ ★ █ ██ USMC 99-07. USA 09-Present.

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Anything less than the best is a felony
post 1565219361 11-02-2018, 01:33 PM
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#66
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lol at you metal and plastic card holders. I whip out my S9+ and scan that sh!t with Samsung pay. I keep the plastic and metal cards at home boyo.
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post 1565220141 11-02-2018, 01:43 PM
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Originally Posted By maddog352002⏩
Closing credit cards and applying for credit, DESTROYS your credit score. 800+ my ass. They would see you from a mile away.

I bet you have a 3 maxed out cards with $1,000.00 limits and you call your parents, 'roommates'.

Cash or Debit card for the win. You can buy whatever you want with either one if you have the coin. And unless you travel for a living, travel bonuses are for peasants. Wow free airline tickets to Houston every two years, woohoo.
You get points back to use for whatever you want when you use credit cards with perks. It's free money. Using cash/debit you are just losing money. Just use your CC as a debit card and pay it off every month and you're fine. I don't see why people like you think CC are crap? I think you are just scared of jumping on the bandwagon and don't really care for free money.

I have $2500 in points just from using 4 of my Chase cards. One card has 5% cash back in certain categories quarterly. One card has unlimited 1.5% cash on everything. Another card has 3x the points on travel/restaurants. Last card has 5% cash back on Amazon/Whole Foods and 2% on gas. When you use them correctly you can get back a lot of points. But if you're going to boohoo about using 4 different cards then it isn't for you. Plus I have all these cards in my Samsung Pay account and I just swipe to what card I want to use for that purchase.

You also sound like my wife. She only uses her debit card lol. Jakes on her.
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post 1565220341 11-02-2018, 01:47 PM
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Just lol if you’re into peasant females who are so easily impressed by metal cards.
They said she's gone too far this time

¯\_(ツ)_/¯
post 1565221041 11-02-2018, 01:56 PM
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#69
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Originally Posted By TrinnieBuu⏩
Just lol if you’re into peasant females who are so easily impressed by metal cards.
just lol if you're into females these days

It's all about traps and sex robots.
أشهد أن لا إله إلاَّ الله و أشهد أن محمد رسول الله
post 1565222621 11-02-2018, 02:15 PM
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Originally Posted By TrinnieBuu⏩
Just lol if you’re into peasant females who are so easily impressed by metal cards.
I lol’ed
No man has the right to be an amateur in the matter of physical training. It is a shame for a man to grow old without seeing the beauty and strength of which his body is capable.

-Socrates
post 1565223301 11-02-2018, 02:22 PM
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#71
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Never seen a metal credit card, Got a pic?
post 1565223661 11-02-2018, 02:27 PM
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Originally Posted By turdburglar9021⏩
Recently got the Amazon prime card, might be the only metal card with no annual fee. Some nice benefits too. I can confirm people that handle cards all day, cashiers, waitresses, etc always give it a second look.
I like this card. Limit is high, no annual fee and 5% back on Amazon purchases.
Lurking since '05 - the days of VS gorilla/cloud/goku threads
post 1565223731 11-02-2018, 02:28 PM
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#73
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Originally Posted By Jayl12345⏩
UPDATE:

DAMN

https://www.budgetchaos.com/chase-sa...ry-fee-waiver/

Amex AND Chase wave the fee. Maybe I'll look into them after all.
youre welcome, bub
post 1565224221 11-02-2018, 02:33 PM
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#74
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Hmm, credit cards entice you into buying a lot of things you may not need and then they entice you into traveling with the points.

Imo, not having to drive and travel is one of the best luxury. It beats having a heavy metal card any day of the week.

Brb at driving/flying

bumpy roads
traffic
high chance of getting killed
dealing with peasant
food poisoning
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post 1565224681 11-02-2018, 02:40 PM
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just lol @ trying to impress sloots with credit cards, when it's credit scores that really get them wet

Make Europe Germany Again
post 1565224971 11-02-2018, 02:45 PM
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#76
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Originally Posted By Ratfish⏩
just lol @ trying to impress sloots with credit cards, when it's credit scores that really get them wet

My credit score was nearly 800 cause my parents had me as an authorized user as tenenager on their accounts so I built a good foundation. After I applied for my mortgage and recently got my first house my score tanked to like 732 it just barely got back up to 740 I was almost at 780 at one point. I only have like 2 credit cards, and I only have the second just in case something goes wrong with the other.

Trying to figure out what I need to do to break 800
No man has the right to be an amateur in the matter of physical training. It is a shame for a man to grow old without seeing the beauty and strength of which his body is capable.

-Socrates
post 1565225161 11-02-2018, 02:47 PM
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#77
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Originally Posted By CherryPopinski⏩
My credit score was nearly 800 cause my parents had me as an authorized user as tenenager on their accounts so I built a good foundation. After I applied for my mortgage and recently got my first house my score tanked to like 732 it just barely got back up to 740 I was almost at 780 at one point. I only have like 2 credit cards, and I only have the second just in case something goes wrong with the other.

Trying to figure out what I need to do to break 800
you need to do nothing. literally

nothing except pay and wait, although there's no prime advantage above 760

my older brother had a super high credit score very early because he was an authorized user on a sears card from 1978 lol

i think fico removed the advantage of authorized user status recently though
Make Europe Germany Again
post 1565225211 11-02-2018, 02:48 PM
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#78
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Originally Posted By Ratfish⏩
just lol @ trying to impress sloots with credit cards, when it's credit scores that really get them wet

Mine peaked at 809. Teach me how to break through that PR.

post 1565225571 11-02-2018, 02:53 PM
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Originally Posted By stevemckenna⏩
Mine peaked at 809. Teach me how to break through that PR.
just step back and think about what the point of it is

it's a risk assessment

what makes you look risky? opening a bunch of accounts, new inquiries, high utilization on a per card or general basis.

imagine what the credit of an old fukk like me looks like. I have paid off student loans. paid off car loans. a mortgage (for the time being hehe). 4 old credit cards. zero late pays. zero inquiries.

i used to have 6 credit cards but two were closed due to inactivity. i would be at 850 i'm sure were it not for that.
Make Europe Germany Again
post 1565225611 11-02-2018, 02:53 PM
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Originally Posted By CherryPopinski⏩
My credit score was nearly 800 cause my parents had me as an authorized user as tenenager on their accounts so I built a good foundation. After I applied for my mortgage and recently got my first house my score tanked to like 732 it just barely got back up to 740 I was almost at 780 at one point. I only have like 2 credit cards, and I only have the second just in case something goes wrong with the other.

Trying to figure out what I need to do to break 800
LMAO @ thinking your charge card is benefiting your credit score
post 1565226031 11-02-2018, 02:57 PM
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incidentally, i did sub prime auto loan collections about 14 years ago and i saw a lady's credit report who had a fico score of 300. literally as low as you could possibly have. i was strongly tempted to print it out and take it home srs lmao

100% of the accounts were in default. there were 3 full pages of inquiries. it was absolutely incredible

she still got that auto loan though and walked away from the payments of course lol
Make Europe Germany Again
post 1565226961 11-02-2018, 03:12 PM
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I eventually plan on getting a Jaguar F-Type. I’m young, single, just got my first house, but I live well within my means. Feels good mane/10
No man has the right to be an amateur in the matter of physical training. It is a shame for a man to grow old without seeing the beauty and strength of which his body is capable.

-Socrates
post 1565227301 11-02-2018, 03:16 PM
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#83
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Just lol if your credit card doesn't weigh at least 5 pounds
post 1565227351 11-02-2018, 03:17 PM
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#84
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just LOL @ buying things on credit
post 1565228121 11-02-2018, 03:28 PM
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#85
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Originally Posted By maddog352002⏩
Closing credit cards and applying for credit, DESTROYS your credit score. 800+ my ass. They would see you from a mile away.

I bet you have a 3 maxed out cards with $1,000.00 limits and you call your parents, 'roommates'.

Cash or Debit card for the win. You can buy whatever you want with either one if you have the coin. And unless you travel for a living, travel bonuses are for peasants. Wow free airline tickets to Houston every two years, woohoo.
peasant detected

I have 13 credit cards with plans to open 1-2 more in the next 6 months. Combined credit limit over 100k. Credit score is around 790-800

0 paid in interest

0 paid in annual fees (military wavier)

$10k worth of points/free hotel stays/airline miles in the bank

Lol @ people that use debit
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post 1565228491 11-02-2018, 03:35 PM
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Originally Posted By pWally⏩
peasant detected

I have 13 credit cards with plans to open 1-2 more in the next 6 months. Combined credit limit over 100k. Credit score is around 790-800

0 paid in interest

0 paid in annual fees (military wavier)

$10k worth of points/free hotel stays/airline miles in the bank

Lol @ people that use debit
the problem i have with that many cards is that the likelihood of accidentally going 30 days on one of them is exponentially higher than if you have fewer. so you're either using them all to keep them open and increasing that risk or you're only using 1 anyway and it's a big waste
Make Europe Germany Again
post 1565228811 11-02-2018, 03:41 PM
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#87
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Originally Posted By Ratfish⏩
the problem i have with that many cards is that the likelihood of accidentally going 30 days on one of them is exponentially higher than if you have fewer. so you're either using them all to keep them open and increasing that risk or you're only using 1 anyway and it's a big waste
You don't need to use a card continually to keep it.

I have a Discover card and AMEX blue miles card both 10 years old still showing open on my credit report

I haven't used either of them in several years.



You don't need to use a card to reap the benefits

You don't need to swipe the AMEX plat card to take advantage of the $200 uber credit, $200 airline credit, Centurion Lounges, Priority Pass Lounges, $100 Saks Fifth Ave credit, etc
You don't need to swipe the AMEX Hilton Aspire to take advantage of the Hilton Diamond Status, free annual weekend night, $250 airline credit, $250 Hilton resort credit
You don't need to swipe the AMEX SPG Luxury to take advantage of the Gold status, free annual night at 50k point rooms, $300 Marriott hotel credit

etc
etc
etc

I literally use only 2-4 credit cards on the regular basis to maximize return on regular spending categories (gas, restaurants, groceries, etc)
The rest stay in my sock drawer where they passively give me benefits that I can take advantage when I fly or travel
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post 1565228991 11-02-2018, 03:45 PM
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#88
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Originally Posted By pWally⏩
You don't need to use a card continually to keep it.

I have a Discover card and AMEX blue miles card both 10 years old still showing open on my credit report

I haven't used either of them in several years.



You don't need to use a card to reap the benefits

You don't need to swipe the AMEX plat card to take advantage of the $200 uber credit, $200 airline credit, Centurion Lounges, Priority Pass Lounges, $100 Saks Fifth Ave credit, etc
You don't need to swipe the AMEX Hilton Aspire to take advantage of the Hilton Diamond Status, free annual weekend night, $250 airline credit, $250 Hilton resort credit
You don't need to swipe the AMEX SPG Luxury to take advantage of the Gold status, free annual night at 50k point rooms, $300 Marriott hotel credit

etc
etc
etc

I literally use only 2-4 credit cards on the regular basis to maximize return on regular spending categories (gas, restaurants, groceries, etc)
The rest stay in my sock drawer where they passively give me benefits that I can take advantage when I fly or travel
so being .mil is the loophole eh? pretty neat

walk me through these exclusive airport lounges. are the cocktail waitresses maximum glow? are there special adjoining rooms for banging stewardesses?
Make Europe Germany Again
post 1565229371 11-02-2018, 03:49 PM
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#89
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Originally Posted By Ratfish⏩
so being .mil is the loophole eh? pretty neat
Yea AMEX and Chase waive all annual fees

Only thing that limits me is that AMEX allows you to have maximum 5 credit cards but unlimited charge cards (Plat/Gold card)

Chase has a strict 5/24 rule (if you signed up for 5 credit cards in the last 24 months [business and charge cards don't count] with Chase or any other bank then they deny your application)



I started signing up for business cards to take advantage of the sign up bonuses...just make up a business name as a sole proprietorship that makes $1k annual revenue...approved instantly. Get the bonus....wait 12 months...cancel the card.

I have enough miles to fly to Europe and back several times now through Delta and American Airlines


Originally Posted By Ratfish⏩
walk me through these exclusive airport lounges. are the cocktail waitresses maximum glow? are there special adjoining rooms for banging stewardesses?
Centurion Lounges are for AMEX Black and Plat members ONLY. No one else is allowed in. They serve incredibly amazing food with a full service bar ALL COMPLIMENTARY.
Spacious, chic, and luxury. You can take a shower or get a free massage before your flight.

AMEX are opening more of these lounges around the major U.S. airports and also starting to get some in international airports


Priority Pass lounges can be somewhat poverty compared to Centurion. The advantage is that almost every airport has a priority pass lounge which almost always has some sort of free food and alcohol. I tend to notice that overseas airports have much much nicer lounges. The Priority Pass lounge in Incheon Airport was incredible.


Side note: If you are flying Delta that day. You have access to any Delta Sky Lounge if you are AMEX Platinum card holder
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post 1565229941 11-02-2018, 03:58 PM
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#90
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i have the sapphire reserve , 3x points traveling and dinning hnnnnng. Although when im traveling priority pass is severely lacking compared to other lounges.........
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