Good Time of Year to request CC Limit Increases

[antifoil]

but why do i need more credit that 20K. who the fuckkeeps a credit card balance. losers that who.


************ these days are for winners. you get so many incentive and shit. just churn cards one after the other for those sweet bonuses and rewards.

[CanuckG]

Should have 4-6 CC's at all times. If you max them all out pull a Brock Landers and leave the country for a bit.

[antifoil]

if you aren't finessing the CC game you are missing out on so much free money.

[firedawg]

Should have 4-6 CC's at all times. If you max them all out pull a Brock Landers and leave the country for a bit.

Truth

[Madison]

CC's for morons...lesson in life, don't owe dough.

Cash is King. You can't pay cash? You can't afford it.

THIS !!! Believe it. I charge a ton but get 5% cash back and pay it off promptly. Best advice to all.

[jjgold]

You have to use ************ for a great credit rating is very very important and makes things very easy in life

[Madison]

This. Cash is King. Debt is dumb. I do keep 1 CC for emergencies.

Terrible lesson to be teaching around here, you know most people don't have the discipline to pay it off in full every month. Sammy I'm surprised at you, you're better than this. You can't just pretend to pack up and move to Florida like JJ does vs the CC Companies either.

Again, spot on. I haven't paid cc debt for 30 years. Collect interest, don't pay it.

[Madison]

If you have excellent credit, you should receive automatic increases every 6 months. I simply pay off my bills when they come in. You have to be disciplined, something which there is very little of in this place.

This. Please reduce my credit limit.

[reigle9]

THIS !!! Believe it. I charge a ton but get 5% cash back and pay it off promptly. Best advice to all.

so you disagree 100% with what he said

what youre doing is what normal non-dipshit kids do

[reigle9]

Again, spot on. I haven't paid cc debt for 30 years. Collect interest, don't pay it.

why do you keep agreeing with people that use cash when you do the direct opposite? it's very odd

[KVB]

Again, spot on. I haven't paid cc debt for 30 years. Collect interest, don't pay it.

Not so sure here.

You don't really HAVE to pay interest if you pay it down. In fact, buying using it gain good credit, you are more likely to put yourself in a position to really collect some interest, depending on what you like, (ie real estate.)

Also, if I can borrow at one rate but get a better return elsewhere...well, you do the math.

[pologq]

THIS !!! Believe it. I charge a ton but get 5% cash back and pay it off promptly. Best advice to all.

i agree about the 5% back. it is found money. use it, pay it off so no interest accumulates and make 5% of your purchases back plus a lot match your 5% the first year. got a good amount coming back to me on discover because of this.

[antifoil]

The easiest one to exploit for beginners is the chase ultimate rewards point system. you get get 2.5K in travel dollars in a year easy.

[Madison]

so you disagree 100% with what he said

what youre doing is what normal non-dipshit kids do

Not totally sure of your point. Certaintly not a kid by a long shot. The less interest you the pay the better. No question.

[Madison]

why do you keep agreeing with people that use cash when you do the direct opposite? it's very odd

I have cash to pay my cc debt every month. Why not take their 2-5% bump.

[Madison]

Not so sure here.

You don't really HAVE to pay interest if you pay it down. In fact, buying using it gain good credit, you are more likely to put yourself in a position to really collect some interest, depending on what you like, (ie real estate.)

Also, if I can borrow at one rate but get a better return elsewhere...well, you do the math.

Well, the truth in everything is "I can get a better return elsewhere". When you can teach me to out return cc interest I'm all ears.

[Madison]

i agree about the 5% back. it is found money. use it, pay it off so no interest accumulates and make 5% of your purchases back plus a lot match your 5% the first year. got a good amount coming back to me on discover because of this.

Agreed.

[Madison]

Heading elsewhere. The less interest you pay the better you will be long term. BOL to all and happy holidays!

[thechaoz]

-FH-

Nothing about NEW CCs

Have plenty credit as is... Too many cards can be bad

Anyhow... Monday after a few clicks got today a 30% increase on Capital One Quicksilver

No there's no limit on CCS. I have about 20 and my credit is high 700s/low 800s.

Your usage is what matters, or too many inquiries.

[jjgold]

No credit ratings is living financial hell


Cash guys hilarious losing tons of money

[thechaoz]

but why do i need more credit that 20K. who the fuckkeeps a credit card balance. losers that who.


************ these days are for winners. you get so many incentive and shit. just churn cards one after the other for those sweet bonuses and rewards.

Lol most my cards are at least 20k.

I don't close them so I have a low utilization

[thechaoz]

Literally Chase freedom and many other cards are just giving you free money with the cash back and cell phone protection and Ryan travel insurance and all kinds of perks

[ThaTopMoron]

CC's for morons...lesson in life, don't owe dough.

Cash is King. You can't pay cash? You can't afford it.

who's dumb?

you can use them and pay off the statement balance each month and never pay interest... and increase credit limit/rating slowly by paying on time

so you have them ready and on hand with decent credit limits in case of some type of emergency in life when they would be a life saver

ignorant

[KVB]

Well, the truth in everything is "I can get a better return elsewhere". When you can teach me to out return cc interest I'm all ears.

Pretty sure the first thing I said was you don't HAVE to pay interest.

But I think I mis read your post to begin with, hence you misread mine.

I think you are using c c 's but paying it off.

[pavyracer]

I always pay with cash. ************ are a sign of weakness.

[jjgold]

Yes
A lot of dumb guys here

Literally Chase freedom and many other cards are just giving you free money with the cash back and cell phone protection and Ryan travel insurance and all kinds of perks

[Fishhead]

JJ. With your history, you would be dead by now if you ever took out a loan with a loan shark. You are just another poor fool with no credit.

wow

[Fishhead]

A lot of dumb guys here

wow

[jjgold]

I got a free pinky ring ************ offers

Better than arbing

[PaperTrail07]

They gave it out as a sign up bonus at one time.....spend 4k in 3 months.....no points whatsoever involved--right now the bonus is 40K points......ive only seen them do it one time ever..and like you said-cant get another personal with them until after 2 years clear of the other.....

You still have to earn 110k points to get it. Next year it's 125k. They also limited the number of Southwest personal cards you can get to 1, so you will need to do a small business card plus a personal card.

I did it two years ago and it's by far the best churning deal out there. I'm going to get the wife to do it for 2020.

The great thing is that you get the companion pass in the year you earn it plus the next calendar year. I got mine for almost two years. Thousands in free flights.