Credit Card Discussion Thread

[Astroslik]

Yeah.

Machine learning costs. It’s incredibly expensive

If you keep that up, you’ll get invited for the black card

 

[Rell]

Anyone fukk with the Capital One Venture X? Just got approved for it since they give you 75,000 after spending $4,000 in 3 months.

The $395/yr fee is a little high but the yearly benefits pretty much get you that right back in your pocket.

 

[ViShawn]

Anyone fukk with the Capital One Venture X? Just got approved for it since they give you 75,000 after spending $4,000 in 3 months.

The $395/yr fee is a little high but the yearly benefits pretty much get you that right back in your pocket.

That's an easy bonus to get if you make six figures.

I've been looking at the Chase Sapphire Reserve. I can't justify that high annual fee though. May downgrade another card then get it in a few months : patrice:

 

[Rell]

That's an easy bonus to get if you make six figures.

I've been looking at the Chase Sapphire Reserve. I can't justify that high annual fee though. May downgrade another card then get it in a few months : patrice:

Not quite but yeah I have a Chase Southwest card and they had a spend 4,000 in 3 months deal a couple of years ago. It was very easy to hit that, plus I don't usually carry a balance so it won't be a problem.

 

[The Plug]

As baccground, I opened my first credit card in January of this year and I had no credit really so they gave me their lower-level card but said in a year I could sign up for a better credit card with percentage returns and no annual fee. Regardless, the dude said that I can open accounts with other banks and I'll do that, so what's a good credit card to get next?

 

[Software]

As baccground, I opened my first credit card in January of this year and I had no credit really so they gave me their lower-level card but said in a year I could sign up for a better credit card with percentage returns and no annual fee. Regardless, the dude said that I can open accounts with other banks and I'll do that, so what's a good credit card to get next?

Why do you want another credit card? What do you plan to use it for?

 

[The Plug]

Why do you want another credit card? What do you plan to use it for?

The current credit card I have gives no cash back and I have a yearly bill with it. So eventually, I want to move on from it. The bank guy I talked to told me how having multiple accounts/credit cards makes you look trustworthy to banks, so I wouldn't mind opening another one in the next 4 - 5 months.

 

[Software]

The current credit card I have gives no cash back and I have a yearly bill with it. So eventually, I want to move on from it. The bank guy I talked to told me how having multiple accounts/credit cards makes you look trustworthy to banks, so I wouldn't mind opening another one in the next 4 - 5 months.

Look into a no annual fee card with cash back on every purchase like the chase freedom unlimited or one of the capital one cards.
Just put shyt you know you gotta pay like bills on it and groceries and pay it off before your due date and have auto pay set up on the card to in Cass you forget and you should be straight.

 

[The Plug]

Look into a no annual fee card with cash back on every purchase like the chase freedom unlimited or one of the capital one cards.
Just put shyt you know you gotta pay like bills on it and groceries and pay it off before your due date and have auto pay set up on the card to in Cass you forget and you should be straight.

Is that the best card one can have at that point? And would it be worth it to completely dump getting any card from my current bank afterwards? what about american express?

 

[Skooby]

Is that the best card one can have at that point? And would it be worth it to completely dump getting any card from my current bank afterwards? what about american express?

What's your credit score or FICO score?

 

[The Plug]

What's your credit score or FICO score?

715 right now. I pretty much had no credit history until signing up for a card this January.

 

[Two Stacks]

Is that the best card one can have at that point? And would it be worth it to completely dump getting any card from my current bank afterwards? what about american express?

Most people will say the Centurion/Black Card American Express is the best card. It's a prestige thing. If you have that card these days, you're a documented millionaire from what I understand.

Platinum Card right under that. And then I would say Chase Sapphire Reserve.

Depending on your credit helps determine what you get approved for, as well as income. A card with a fee has to have a specific purpose. If you don't have a purpose you need to get a card with no fee that just does cash back instead of points.

 

[Skooby]

@The Plug

Agreed with a card with no fee. And I would be sure to pay the statement balance in full...to avoid interest.

Currently I have a Prime Visa Card, Blue Cash American Express and two Citi Bank custom cash back cards.

But Investipedia has always been a great resource on anything related to finances. Check this list:

Credit Cards

Our comprehensive and objective reviews will help you pick the right credit card for your needs.

www.investopedia.com

 

[Obreh Winfrey]

Secured another Quicksilver increase of $5,000, now I'm curious as to how high they'll let me go

And now another 5 from Chase

 

[ViShawn]

Any of you getting a Chase Sapphire Preferred any time soon? I have a referral link.