Credit Cards General

ITT we share our best credit card life hacks and make fun of the poors who think "CrEdIt CaRdS BaD"

Cash is trash faggots

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youtube.com/watch?v=tk5VmlSts1A&t=159s
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anyone who has a fico score lower than 700 is automatically a virgin burner

>5% cash back on gas
>buy gas with credit card, pay off in full each month
>profit?

This. Unless you just got a loan - then I can understand (maybe)

Which card gives you 5% on gas? I just got the Amex Blue Cash statement credit and looking for my next card to churn

>buy amazon gift card at grocery store
>get 5% cash back
>get gas points from grocery store
>use gift card to buy anything online

>max out credit card
>dont pay it back
repeat every 7 years

I’m doing this, now seems like a good time to take the leap. Any advice? I’m currently maxed

My credit score dropped to 791 and I want to hurt myself

Can't the bank just take your house/car/phone or anything you own if you don't pay back?

Citi double cash is nice for general spending, car insurance, Netflix, cell phone, monthly bills etc. It's 1% when you charge and 1% when you pay, I earned a couple hundred last year just paying bills I normally pay anyway

I think the wells Fargo Amex is 5% on gas

Make sure you use a completely clean SOCKS5 and try to buy bins with bank logins and a report so you can setup the browser fingerprint environment with cookies that look like them

Got a Discover IT card, might branch out to either Chase or Amex but I’m still thonking. I was lucky to have parents who made me an authorized user on a 12,000 card so I had a good credit score and report when I was 18.

They're not going to take you to court unless it's a shitload of money, they're just going to sell the debt off to a debt collection agency. The kind of people who max out cards then don't pay typically do it because they have nothing to lose and no assets. A certain percentage of people not paying is also priced in by credit card companies. Not paying your credit card bill typically just counts as breach of contract anyways and isn't that serious.

Ye. Usually they send one of their goons to shake you. Involves Shariff showing up at your residence to serve you. Constantly harassment. Once you're under judgement, cause they filed under the wrong county and address n you didn't attend court - you'll find yourself getting boned hard for 3% annually on said judgement. Soon they'll go after your car that you hadn't registered for 2 yrs that has the title in another state, but won't bother until you get the title from the state that has it. Which means you just never attempt to sell the car. They're butt blasted since they're unable to garnish your wages. Next they'll attempt to get in your bank account, but you have 0$ in all bank accounts n you max out ira n 401k contributions. But they're even more butt blasted cause you're basically poor af, bug they don't care - they want your boi pussy.

Even attempting to setup a payment plan is a bitch - cause they like money and they want all of it. Which means you'll have to hire a lawyer, that way they don't over cunt you by making false promises and other bullshit in an attempt to just fuck you in the butt as hard as they can.

Imo not worth it

Go with Amex Blue Cash Everyday

>3% on groceries
>2% at gas stations
>1% everything else
>$200 back on first $1000 spent

This is peak burner logic right here. No one actually do this

different user but I think this would round out my cards really well
thanks fren

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Very based, will look into it
thanks fren

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Anyone here using chase trifecta?
>travel for work and get to swipe everything on the reserve and get reimbursed
Feels good man

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I get paid weekly and credit cards are great. If you pay off in full you don't get charged interest anyway. I haven't paid a dime for using credit cards in maybe 2 years

>Cash is trash faggots
cringe illuminati bootlicker

Have fun pissing away money burner

checked
whos got good sign up bonuses? I use them to stack gold
vid related
youtube.com/watch?v=tk5VmlSts1A&t=159s

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Dave Ramsey is a boomer who doesnt understand the benefits of credit cards, his financial advice is is tailored to the uneducated, dumb southerners and retarded middle america. All of his financial advice could be summed up in 3 sentences and his obsession with "giving" is the worst advice you could ever give someone trying to build large amounts of wealth.

Everyone should use credit cards so I can cash out your life savings for you haha

Target store card is 5% off everything in Target, before taxes.

This. I hate how boomers teach their kids to all be afraid of credit cards and debt. It's counter-intuitive

discover -- 5% rotating categories
chase freedom -- 5% rotating categories
penfed -- 5% on gas
bankamericard -- 3% on your chosen category, 1% everywhere else
capital one quicksilver -- 1.5% on everything

All no annual fees