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Quick Navigation Bottom Misc
Forum » Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)
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Thread: Official MISC Credit Card Thread (Advice, Churning, Referrals, Offers)

post 1613448961 08-13-2020, 02:53 PM
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#151
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Originally Posted By Ratfish⏩
is there a card the gives 5% cash back on rioting supplies?
I've got a Chase Amazon Card that gives 5% back on all amazon purchases.

Wizard^^^^^^^^^
6'2"

OMAD results: 2/15/19-235, 10/13/19-190

OHP-205 Bench- 245 Squat - 405 C&J - 245

2021 Spring cut: 195lbs starting weight
post 1613456911 08-13-2020, 04:19 PM
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#152
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Originally Posted By Ratfish⏩
is there a card the gives 5% cash back on rioting supplies?
LOL'd hard.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1614667611 08-26-2020, 10:14 AM
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#153
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Does anyone have the Amazon Prime Rewards Visa Signature Card? I'm thinking of applying.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1614668461 08-26-2020, 10:26 AM
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#154
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Originally Posted By sword_⏩
Does anyone have the Amazon Prime Rewards Visa Signature Card? I'm thinking of applying.
I do. It was one of the first cards I ever got. If you use amazon prime its totally worth it just for the 5% back on all amazon purchases. It also gives 5% on whole foods purchases, 2% on restaurants, gas stations and drug stores and 1% on everything else. Once Covid hit they sent a special offer to up all non amazon purchases to 4%. Not the best rewards card out there but pretty good
6'2"

OMAD results: 2/15/19-235, 10/13/19-190

OHP-205 Bench- 245 Squat - 405 C&J - 245

2021 Spring cut: 195lbs starting weight
post 1614668501 08-26-2020, 10:27 AM
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#155
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Originally Posted By sword_⏩
Does anyone have the Amazon Prime Rewards Visa Signature Card? I'm thinking of applying.
Nah, I'm resisting as hard as i can against amazon world domination.
Kobe Forever
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post 1614669411 08-26-2020, 10:40 AM
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#156
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Anyone else find that creditwise reports are always wayyy higher than your actual credit score when you get it pulled to take out a loan?

Was feeling good having a 759 on creditwise. Then got it pulled forreal to buy a car and he said I had a 700.
post 1614669951 08-26-2020, 10:47 AM
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Originally Posted By MetroBrah⏩
Anyone else find that creditwise reports are always wayyy higher than your actual credit score when you get it pulled to take out a loan?

Was feeling good having a 759 on creditwise. Then got it pulled forreal to buy a car andhe said I had a 700.





But for real though my actual score was higher than the credit karma report the last time I checked and 700 is a good score. I've never used creditwise. If you've had a lot of hard hits on credit lately that could drop the score or if your wife has been delinquent on some payments for items in both of your names without telling you...

Are you trying to finance through the dealership? Unless it's a new car with 0% check around with the local credit unions to see what kind of rate they can give. The one I got from a local union blew the dealerships offer out of the water
6'2"

OMAD results: 2/15/19-235, 10/13/19-190

OHP-205 Bench- 245 Squat - 405 C&J - 245

2021 Spring cut: 195lbs starting weight
post 1614670431 08-26-2020, 10:52 AM
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Originally Posted By sword_⏩
Does anyone have the Amazon Prime Rewards Visa Signature Card? I'm thinking of applying.
Yep, only got it since I use Amazon for work supplies more often now. Company lets me use personal card instead of company card and reimburses related costs (Prime Membership), so no brainer for me.

Only chitty thing is SUB is garbage. I believe Chase is also strict on 5/24 so if you've been churning, something else to look out for.
500/295/530

.,
post 1614670811 08-26-2020, 10:56 AM
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#159
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Originally Posted By sword_⏩
Does anyone have the Amazon Prime Rewards Visa Signature Card? I'm thinking of applying.
Totally great card.
Nah, fukk that. I’m not doing that.
post 1620682811 10-28-2020, 10:01 AM
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#160
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Originally Posted By MetroBrah⏩
Anyone else find that creditwise reports are always wayyy higher than your actual credit score when you get it pulled to take out a loan?

Was feeling good having a 759 on creditwise. Then got it pulled forreal to buy a car and he said I had a 700.
Rookie mistake. All of these "free" credit report included with Chase, AmEx, and CapitalOne cards are some bullchit "Vantage 8.0" score that doesn't take into account late payments or collections as strongly as FICO does. As long as you have low credit card utilization that algorithm easily grants a 740+ score.

Bumping this thread because AmEx has cut this feature and others. About to dump the card. AmEX used to offer a free FICO score pull (not the bull**** vantage8 score). They then swapped out the FICO score for the vantage 8 score (useless).

Another feature was a $120 year "dining credit" that took $10 a month off your bill at cheese cake factory, ruth chris and some other bullchit places i don't use. The saving grace was that it was applicable to GrubHub. Super easy to use right? Yeah, well now they wordsmithed the offer to say "Earnup to$120 a year in dining credits". Now they're only giving you $10 for those bullchit restaurants i mentioned before, and now only offering an absolute pleb $5/month on grubhub orders. Barely covers delivery fee lmao.

At this point, it's probably best to pull out of all Chase Sapphire cards and all AmEx Gold/Platinum cards. Their hayday was prerona, now all of these companies are getting crushed and they're not even worth having anymore. Best to just switch to the best cashback card you can find.
Kobe Forever
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post 1620689271 10-28-2020, 10:59 AM
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#161
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Originally Posted By W1LLW⏩
Rookie mistake. All of these "free" credit report included with Chase, AmEx, and CapitalOne cards are some bullchit "Vantage 8.0" score that doesn't take into account late payments or collections as strongly as FICO does. As long as you have low credit card utilization that algorithm easily grants a 740+ score.

Bumping this thread because AmEx has cut this feature and others. About to dump the card. AmEX used to offer a free FICO score pull (not the bull**** vantage8 score). They then swapped out the FICO score for the vantage 8 score (useless).

Another feature was a $120 year "dining credit" that took $10 a month off your bill at cheese cake factory, ruth chris and some other bullchit places i don't use. The saving grace was that it was applicable to GrubHub. Super easy to use right? Yeah, well now they wordsmithed the offer to say "Earnup to$120 a year in dining credits". Now they're only giving you $10 for those bullchit restaurants i mentioned before, and now only offering an absolute pleb $5/month on grubhub orders. Barely covers delivery fee lmao.

At this point, it's probably best to pull out of all Chase Sapphire cards and all AmEx Gold/Platinum cards. Their hayday was prerona, now all of these companies are getting crushed and they're not even worth having anymore. Best to just switch to the best cashback card you can find.
You make a good point. The Chase Sapphire Preferred & Reserve was a bet for JP Morgan Chase to acquire new credit card customers and to get them into their ecosystem of products. It was a bet that was a few million dollars and now COVID-19 is here people aren't spending like they usually are so they're getting fuarked.

It will be interesting to see what happens. I still have my Chase Sapphire Preferred. It's the most balanced travel card I have (outside of my AMEX Platinum but I'm on my sister's account and there's no annual fee - she's military). Given the bonuses being cut on the CSR I've decided to go with more cash back cards like the Freedom Flex myself.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1628593223 01-14-2021, 03:39 PM
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#162
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I just got approved for Chase Saphire Preferred.


How long do I have to wait to drop or get another card without hurting my credit score?


Also, which cash back card should I get?

Chase Freedom Unlimited or Citi Double Cash?
When Trump faces a reality she can't stand, she becomes highly emotional and illogical. Every crisis is met by histrionics, tantrums and an inability to deal with facts. "Its a HOAX! Its a FRAUD!"

The emotion then becomes the reality. Those of us with girlfriends are familiar with this phenomena. Donald Trump menstruating 24/7: "Blood coming out of his eyes, blood coming out of his WHEREVER."
post 1640601263 06-10-2021, 01:22 PM
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#163
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Just applied for the Citi Custom Cash card.

Earn $200 in cash back after spending $750 on purchases in the first 3 months of account opening.

Plus enjoy our low intro APR for 15 months on purchases and balance transfers. No annual fee.*

https://thepointsguy.com/news/citi-c...card-launches/

The Citi Custom Cash card is a no-annual-fee card that earns 5% back on your top eligible spending category. Conveniently, you don’t have to select, enroll or change categories at any time.

There is a wide array of 10 eligible categories and they include:

Restaurants
Gas stations
Grocery stores
Select travel*
Select transit**
Select streaming services***
Drugstores
Home improvement stores
Fitness clubs
Live entertainment
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1640603463 06-10-2021, 01:58 PM
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#164
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Hmmm, that looks like an interesting deal actually. Just use it as my grocery card and I could get $200 in free money and 5% on the majority of my groceries.
Misc Firearms Crew

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RIP YGST
post 1640604043 06-10-2021, 02:08 PM
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#165
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Originally Posted By SpeedCheeser⏩
Hmmm, that looks like an interesting deal actually. Just use it as my grocery card and I could get $200 in free money and 5% on the majority of my groceries.
It's a no brainer for me with no annual fee and I can easily reach $750 in under a month honestly.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1640605283 06-10-2021, 02:25 PM
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#166
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Originally Posted By sword_⏩
It's a no brainer for me with no annual fee and I can easily reach $750 in under a month honestly.
Yeah, man. Like I'm saying, just on groceries alone I'll probably hit $750 in the first month.
Misc Firearms Crew

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RIP YGST
post 1640618233 06-10-2021, 05:16 PM
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#167
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A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1641378443 06-22-2021, 03:14 AM
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#168
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The Citi Premier looks like an underrated card with a great intro bonus.

If you have the Citi Premier and Citi Double Cash you’d pay a single $95 annual fee, and you’d earn:

3x points on airfare
3x points on dining
3x points on gas
3x points on groceries
3x points on hotels
2x points on all other purchases

I don't have the Citi Double Cash but I just got the Citi Custom Card. Still I like Chase's ecosystem of cards more to be honest, though this is tempting.

-https://onemileatatime.com/citi-premier-card-review/
-https://onemileatatime.com/citi-premier/

I also looked at the Capital One Venture in the future due to its intro bonus and perks. Only a $95 annual fee.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1641388763 06-22-2021, 07:48 AM
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#169
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Even though I could probably work it out to come out ahead, I don't like cards with annual fees. It takes so much to offset the fee anyway that in the end it seems hardly worth it. I did go ahead and jump on that custom cash card though.
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RIP YGST
post 1643321723 07-21-2021, 12:47 PM
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#170
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Chase Slate Edge just came out.

https://www.fool.com/the-ascent/cred...e-edge-review/

Looks like a card for intro card owners.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1643339413 07-21-2021, 05:14 PM
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#171
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I'm using the USAA Limitless Cashback. No annual fee and 2.5% on everything
post 1653614093 01-02-2022, 05:41 PM
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#172
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Happy New Year!!

Has anyone used the American Express Blue Business Cash? Looks like a decent one to churn.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1654262543 01-13-2022, 11:30 AM
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#173
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Curious question for everyone - what do you do with your rewards points? Do you use them as received to lower your bill? Or do you let them accumulate to use later towards a larger purchase? Maybe deposit that amount into an investment account?
Misc Firearms Crew

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RIP YGST
post 1654266483 01-13-2022, 12:28 PM
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#174
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Originally Posted By SpeedCheeser⏩
Curious question for everyone - what do you do with your rewards points? Do you use them as received to lower your bill? Or do you let them accumulate to use later towards a larger purchase? Maybe deposit that amount into an investment account?
It's always smarter to take the cash somehow or use it to directly lower your bill

Can be tempting to just use it for a purchase but you'll be eating into the cost which affects how much you earn back which could go back to directly lower your bill
post 1654266673 01-13-2022, 12:31 PM
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#175
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I made about 5 digits in rewards a few years ago. I'd go into Casinos, play with credit cards, rake the reward, take the money and profits back into the bank to load it back into the card

Good times. Its illegal for US casinos to fund gamblers with credit, but if u can do it in other markets, its a nice way to make tons of money
Originally Posted By SpeedCheeser⏩
Curious question for everyone - what do you do with your rewards points? Do you use them as received to lower your bill? Or do you let them accumulate to use later towards a larger purchase? Maybe deposit that amount into an investment account?
Just lower my balance
post 1654272853 01-13-2022, 02:07 PM
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#176
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Originally Posted By propreffered7⏩
It's always smarter to take the cash somehow or use it to directly lower your bill

Can be tempting to just use it for a purchase but you'll be eating into the cost which affects how much you earn back which could go back to directly lower your bill
Oh for sure. What I meant was if you have say $500 in points, buy something for $500 charging the card like regular and use the points to credit the bill.

That's what I basically did last year, using the points to offset Christmas purchases. But of course time value of money. I'm just losing value to inflation, so I started thinking I need to be using them as incurred. Whether it's simply to reduce my balance, or as bonus little mini deposits into an investment account to keep that growing. Savings accounts are essentially pointless anymore.
Misc Firearms Crew

Official Supp. Misc Beer Crew

RIP YGST
post 1654276253 01-13-2022, 03:08 PM
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#177
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Originally Posted By sword_⏩
In an effort to consolidate the general credit card questions on the MISC I've decided to make a thread on this subject. This can encompass churning, increasing your credit score, discussion on your financial goals with your credit card, hot offers, sharing referrals, etc. This is a work in progress so suggestions appreciated.

Questions to ask when choosing a credit card.
- What is your goal of choosing a credit card? To increase your credit score, building credit, rewards, emergencies? I have one card for car expenses that offers me 0% interest if I pay off the card within 6 months. That is my car emergency card.
- If you want a credit card for rewards, what are your credit card reward goals? Travel points, cash back?
- What is your credit score?
- Do you intend (or think you might) carry a balance?
- Do you do domestic travel? International? Both?
- What cards do you have now?


Credit Card Suggestions
-https://www.nerdwallet.com/
-https://lifehacker.com/tag/credit-cards
-https://www.bogleheads.org/wiki/Credit_cards


Credit Score Sites
-https://www.creditkarma.com
-https://secure.creditsesame.com/
-https://www.bankrate.com/quizzle/
-https://www.myfico.com/

Churning
-https://www.reddit.com/r/churning/

You are able to get a FREE credit report once a year from all US creditors (Equifax, Experian, Transunion) and dispute your credit just. The above are generally free as well.

Simple ways on increasing your credit score.

- PAY YOUR BILLS ON TIME
- Keep your credit utilization ratio low.
- Avoid applying for too many new credit cards within a short period of time.
- Avoid closing credit card accounts, unless you’re not using them and they charge an annual fee.
- Check each of your credit reports regularly for inaccurate information. If you find an inaccuracy, dispute it as soon as you can.


The most common credit cards you will hear on the MISC people have are generally the following:

- Chase Freedom (including Unlimited)
- Chase Sapphire (preferred and Reserve)
- American Express Platinum

I've seen some others mention Discover IT and Citibank stuff but I believe most people on here are financially well off and are interest in churning more. Feel free to share referrals as well.

Chase Sapphire Preferred Referral - https://www.referyourchasecard.com/6/CEBV9QEGAR

I have a Chase Freedom but I think the referral is only for their Unlimited now. Please provide some suggestions.
Do credit repair programs work?

How can you boost max your credit score fast?

Reps for Quality Advice
post 1654511063 01-17-2022, 09:49 PM
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#178
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I used to be into credit cards and churning. Now that I'm older I'm not into it at all anymore. I closed off 4 credit cards already this year and probably will close off two more and just have 2. It's not because I listen to Dave Ramsey, I just got tired of having all these cards and through different banks. At my peak, I had 10 credit cards.
"I don't mean to sound bitter, cold, or cruel, but I am, so that's how it comes out."
--Bill Hicks
post 1654694673 01-20-2022, 07:14 PM
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#179
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What are the best credit card to rebuild credit and boost your score quick?
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