What credit cards have you opened so far anon?
I've opened up just about every credit card that offers a sign up bonus. Probably 70+ cards over the past 15 years but now only 30-35 of them are still open.Next up on my list is the Citi Strata card for the $200 bonus later this year when I come back to America for a quick visit.>picrelated
>>62349878>credit>loansnever needed them
>>62349878>your profit margin is only 3%?>sorry, not my problem
>>62349947Hows your credit rating?
>>62350381I have 814 TransUnion and 802 on Equifax
>>62349878Too many. My job has a 5k annual stipend for work trips so I open cards constantly to max out bonus rewards and get a little something back
>>62350395Thats pretty based, honestly.
>>62349947How do manage card velocity? I got about 5 cards within a year for the bonuses, but now I'm finding it hard to get new cards even a year later. Credit score is still 800+Also, about how much do you put on all your cards? All but one of my cards, I literally just spent enough for the bonus and then stopped using them. Maybe that's the problem.
>>62350404The most I ever got approved for in a year was 5 or 6 cards. That's slowed down a lot since I've already taken advantage of almost all the offers. Some issuers get stingy about it if you've opened "too many" new accounts within a year or two. I know Chase has the 5 new accounts in 24 months rule so they have a card or two that I haven't gotten yet.>I literally just spent enough for the bonus and then stopped using themThis is what I do too unless it's a card with specific benefits that I want to use. The last one I opened was the Wells Fargo Signify Business Cash card which gave a $500 cash reward. I'm still using it now because it gives a flat 2% cash back and 0% APR on purchases for a year.
If you pay off a collections debt, how long until the change reflects on your score?
>>62349878All of them
>>62350947Why would you pay it off after already ruining your credit score? Are you stupid? Just go all in at that point.
>>62350958This guy gets it, the rest of you bragging about you gay rewards need to get with it.
>>62349878I have a handful Got obsessed with them for a while but after 4-6 it becomes such a pointless hassle with all the different points and cashbacks. In fact I think most people would be more than fine with just 2 cards. One people sleep on: Max Cash Preferred. It is offered by a lot of local banks and has some pretty good categories like 5% on utilities
>>62350958>low iqthere needs to be research into the forced meme that is "low iq anti-semitism", literally every zog enforcer started pushing it at exactly the same time. some gamergate tier coordination there.
>>62350958>based tucker says not burn down the banks let’s go
>>62351134FactsI’m saying my were identity theft
>>62350267Based they’ll pay for my free air travel and hotel point and they’ll like it
>>62350958Tucker is right. All the wealthiest people use debt to get to the topBezos, Gates, Musk all leveraged to the tits. They all got govt welfare too. Each fucking one got massive tax breaks and govt no bid contractsAnd moishe wants to convince you to pay your credit cards off.Fuck them charge it and claim someone stole your identity
>>62349878Citi Double CashCiti Custom CashChase FreedomChase Freedom UnlimitedDiscoverCapitalOne QuicksilverCapitalOne Savor
>>62351134That's not how that works.
Still have the quicksilver from a while ago but i need to bump that up to a 2% and get some 5% category cards for food at least
>>62350404Theyve been on to churning for a while now
>>62349947Kek i thought I was the only one who did this. But I'll one up you. I've taken the 0% balance transfers and bought stocks and options with them.T. 800+ credit score
>>62349878>borrowingJust get your own money.
platty daddy
>>62354305Used to be able to pay fed student loans with these and then you could file bankruptcy...no mas
>>62354190It actually is. I’ve had collections erased off my record by claiming frauds. I find they’ll even settle for less and less as time goes on and they realize they’re not getting paid. After so long the marks don’t show up on credit checks anyway
I opened an account with Ready for the cashback in crypto. It is absolute trash, the cashback is gone, the support is retarded. Useless scam product.So I just use my shitty bank cards now, like a fuck that doesn't creditcardmaxx.
>>62354292I swapped from the 1.5% quicksilver to the Fidelity Visa Signature 2% on everything.Mainly though it auto redeems rewards into my Roth IRA and any stocks/ETF of my choice, which is of course all tax-free.No annual fee, 2% cash back, and no foreign fees either. I really love it, it's a classy green color too, not that I'm one to care about the color/feel of the credit card but it's way nicer than my plastic Quicksilver.780 credit score, I'm sure you could get it too.>>62354133>>62350958Tucker is alright in my book
