Current Events > I have 5 credit cards. I'll probably get 3 more this year.

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MixedRaceBaby 04/21/17 2:47:22 PM #1:	1) Chase Amazon Prime Rewards Visa. $2600 limit. 2) NFCU cashRewards Visa. $13,000 limit. 3) American Express Blue Cash Everyday $15,000 limit 4) Chase Sapphire Preferred Visa $9,000 limit 5) Chase Business Ink Preferred Visa, $7000 limit My next card I want to get is the Chase Sapphire Reserve card, the Chase Freedom, and the Chase Hyatt card. now i bet you're asking. WHY. WHY HAVE ALL THESE CARDS YOURE A FOOL!!! but im not. the chase amazon card gets me 5% back on amazon purchases, and 2% on dining and drugtores. as well as 1% on everything else. its only redeamable on amazon or in cash back, so i rarely use it, but it was my first card back when i didn't know about proper rewards. the nfcu card gets me a flat, 1.5% back on all purchases. the amex card gets me 3% back on groceries, 2% on gas and dining, and 1% on everything else the sapphire preferred is amazing. i get 50,000 points free after spending 4k (which i do normally, no outlandish purchases for for this. just put all my expenses on the card and pay it off right away). that amounts to 500 dollars. but i get an extra 25% redemption when i use the chase portal for travel so its moreso 650 dollars free. i can also transfer those points to airlines/hotels. a roundtrip flight to hawaii is 25,000 points. just for signing up, and spending normally, i get 2 free flights to hawaii baby! as for the other rewards, i get 2 points per dollar on travel and dining, and 1 point for everything else. based on normal spending habits, i can get up to 45k in points a year. the ink preferred card is great too since it doesn't show up on my personal credit report. i get 80,000 points for spending 5k, which again, i can do normally. i get 3x on travel and dining now. and the best part about chase cards is that i can COMBINE POINTS FOR ALL THE CARDS. so ill have... 50,000 (sign up bonus) + 4000 (spend to get bonus) + 80000 (sign up bonus for ink) + 5000 (spend to get that) +5000 (bonus points for adding an authorized user) = 144000 points! BUT IM NOT EVEN DONE. ill get 50,000 more points with the Sapphire Reserve! AND ILL GET 1.5X REDEMPTION TOO! THATS 2295.00 VALUE ALL FOR DOING NOTHING BUT SPENDING MONEY!!!! oh but mixedracebaby the annual fees!!!! the only card i have that has a fee is the ink preferred. the sapphire preferred has its annual fee waived the first year, and you can just cancel it before hand (which i wont, im going to change it into a chase freedom unlimited. no AF). the biggest AF card ill have in the future is the chase sapphire reserve. but it comes with a 300 travel credit. anything that gets coded as travel you get it back, up to 300 dollars. this includes bus fare, uber fare, etc. so its basically only 150 a year. so, is 150 worth 750 dollars worth of redemption? YES. now i know what you're going to say next. YOUR CREDIT REPORT IS FUCKED. 5 CARDS YOULL NEVER GET A LOAN. YOUR SCORE MUST BE -400 POINTS. THEY'LL CHARGE YOU JUST FOR APPLYING FOR A LOAN!. nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit. and i know you're really mad now so ill talk about interest. which is effectively 0 because I ALWAYS PAY MY BALANCE IN FULL. . so. this year alone, i will have paid 95+150= $245 dollars but will have redeemed $2295 have fun in economy CE! ill be up in first class!!!!! --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877636571] in I have 5 c... [t:75263822]...</cite> <quote>1) Chase Amazon Prime Rewards Visa. $2600 limit. 2) NFCU cashRewards Visa. $13,000 limit. 3) American Express Blue Cash Everyday $15,000 limit 4) Chase Sapphire Preferred Visa $9,000 limit 5) Chase Business Ink Preferred Visa, $7000 limit My next card I want to get is the Chase Sapphire Reserve card, the Chase Freedom, and the Chase Hyatt card. now i bet you're asking. WHY. WHY HAVE ALL THESE CARDS YOURE A FOOL!!! but im not. the chase amazon card gets me 5% back on amazon purchases, and 2% on dining and drugtores. as well as 1% on everything else. its only redeamable on amazon or in cash back, so i rarely use it, but it was my first card back when i didn't know about proper rewards. the nfcu card gets me a flat, 1.5% back on all purchases. the amex card gets me 3% back on groceries, 2% on gas and dining, and 1% on everything else the sapphire preferred is amazing. i get 50,000 points free after spending 4k (which i do normally, no outlandish purchases for for this. just put all my expenses on the card and pay it off right away). that amounts to 500 dollars. but i get an extra 25% redemption when i use the chase portal for travel so its moreso 650 dollars free. i can also transfer those points to airlines/hotels. a roundtrip flight to hawaii is 25,000 points. just for signing up, and spending normally, i get 2 free flights to hawaii baby! as for the other rewards, i get 2 points per dollar on travel and dining, and 1 point for everything else. based on normal spending habits, i can get up to 45k in points a year. the ink preferred card is great too since it doesn't show up on my personal credit report. i get 80,000 points for spending 5k, which again, i can do normally. i get 3x on travel and dining now. and the best part about chase cards is that i can COMBINE POINTS FOR ALL THE CARDS. so ill have... 50,000 (sign up bonus) + 4000 (spend to get bonus) + 80000 (sign up bonus for ink) + 5000 (spend to get that) +5000 (bonus points for adding an authorized user) = 144000 points! BUT IM NOT EVEN DONE. ill get 50,000 more points with the Sapphire Reserve! AND ILL GET 1.5X REDEMPTION TOO! THATS 2295.00 VALUE ALL FOR DOING NOTHING BUT SPENDING MONEY!!!! oh but mixedracebaby the annual fees!!!! the only card i have that has a fee is the ink preferred. the sapphire preferred has its annual fee waived the first year, and you can just cancel it before hand (which i wont, im going to change it into a chase freedom unlimited. no AF). the biggest AF card ill have in the future is the chase sapphire reserve. but it comes with a 300 travel credit. anything that gets coded as travel you get it back, up to 300 dollars. this includes bus fare, uber fare, etc. so its basically only 150 a year. so, is 150 worth 750 dollars worth of redemption? YES. now i know what you're going to say next. YOUR CREDIT REPORT IS FUCKED. 5 CARDS YOULL NEVER GET A LOAN. YOUR SCORE MUST BE -400 POINTS. THEY'LL CHARGE YOU JUST FOR APPLYING FOR A LOAN!. nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit. and i know you're really mad now so ill talk about interest. which is effectively 0 because I ALWAYS PAY MY BALANCE IN FULL. . so. this year alone, i will have paid 95+150= $245 dollars but will have redeemed $2295 have fun in economy CE! ill be up in first class!!!!!</quote> ... Copied to Clipboard!
REMercsChamp 04/21/17 2:48:07 PM #2:	Shut up --- https://cdn.meme.am/instances/500x/35939727.jpg <cite>REMercsChamp posted [p:877636623] in I have 5 c... [t:75263822]...</cite> <quote>Shut up</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 2:48:58 PM #3:	REMercsChamp posted... Shut up sorry, i can't see your post cuz the money is in the way LOLOLOLOLOLOLOL --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877636690] in I have 5 c... [t:75263822]...</cite> <quote><cite>REMercsChamp posted...</cite> <quote>Shut up</quote> sorry, i can't see your post cuz the money is in the way LOLOLOLOLOLOLOL</quote> ... Copied to Clipboard!
BroodRyu 04/21/17 2:49:09 PM #4:	tl;dr Can't having a ton of cards on it's own lower the credit score? <cite>BroodRyu posted [p:877636706] in I have 5 c... [t:75263822]...</cite> <quote>tl;dr Can't having a ton of cards on it's own lower the credit score?</quote> ... Copied to Clipboard!
Blastia 04/21/17 2:49:10 PM #5:	can we get a tl;dr version? --- http://i.imgur.com/abZeWiX.gifv http://i.imgur.com/g6lD6hJ.jpg <cite>Blastia posted [p:877636707] in I have 5 c... [t:75263822]...</cite> <quote>can we get a tl;dr version?</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 2:49:44 PM #6:	BroodRyu posted... tl;dr Can't having a ton of cards on it's own lower the credit score? MixedRaceBaby posted... nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877636742] in I have 5 c... [t:75263822]...</cite> <quote><cite>BroodRyu posted...</cite> <quote>tl;dr Can't having a ton of cards on it's own lower the credit score?</quote> <cite>MixedRaceBaby posted...</cite> <quote> nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit.</quote></quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 2:50:25 PM #7:	Blastia posted... can we get a tl;dr version? https://youtu.be/f9CSPjDNdU0?t=7 --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877636785] in I have 5 c... [t:75263822]...</cite> <quote><cite>Blastia posted...</cite> <quote>can we get a tl;dr version?</quote> https://youtu.be/f9CSPjDNdU0?t=7</quote> ... Copied to Clipboard!
BroodRyu 04/21/17 2:50:30 PM #8:	Oh ok <cite>BroodRyu posted [p:877636790] in I have 5 c... [t:75263822]...</cite> <quote>Oh ok</quote> ... Copied to Clipboard!
Tappor 04/21/17 2:50:54 PM #9:	Blastia posted... can we get a tl;dr version? tl;dr: TC is planning to file bankruptcy within 10 years. --- "P.S. eat s***" --Thamos <cite>Tappor posted [p:877636818] in I have 5 c... [t:75263822]...</cite> <quote><cite>Blastia posted...</cite> <quote>can we get a tl;dr version?</quote> tl;dr: TC is planning to file bankruptcy within 10 years.</quote> ... Copied to Clipboard!
FightingGames 04/21/17 2:51:13 PM #10:	bait topic <cite>FightingGames posted [p:877636849] in I have 5 c... [t:75263822]...</cite> <quote>bait topic</quote> ... Copied to Clipboard!
SwordMaster13X 04/21/17 2:52:40 PM #11:	Is this the guy that has a lot of credit cards but had trouble paying rent? Or is it someone else? I remember seeing a topic where the guy wanted more credit cards but he had trouble paying rent --- https://www.gamefaqs.com/boards/1368-paranormal-cryptozoology-and-creepy <cite>SwordMaster13X posted [p:877636929] in I have 5 c... [t:75263822]...</cite> <quote>Is this the guy that has a lot of credit cards but had trouble paying rent? Or is it someone else? I remember seeing a topic where the guy wanted more credit cards but he had trouble paying rent</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 04/21/17 2:52:40 PM #12:	I'm a fan of Chase and have a CSP myself, but I don't see the reason for so many cards. Of course, I'm not a churner, and prefer to keep things straightforward and simple. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:877636930] in I have 5 c... [t:75263822]...</cite> <quote>I'm a fan of Chase and have a CSP myself, but I don't see the reason for so many cards. Of course, I'm not a churner, and prefer to keep things straightforward and simple.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 2:54:24 PM #13:	SwordMaster13X posted... Is this the guy that has a lot of credit cards but had trouble paying rent? not me, cuz i pay rent just fine. Super Saiyan 3 Goku posted... I'm a fan of Chase and have a CSP myself, but I don't see the reason for so many cards. Of course, I'm not a churner, and prefer to keep things straightforward and simple. it can be a lot. some longtime churners have upwards of 30 cards. and the even more HARDCORE ones have giftcards order like 10000 dollars worth of giftcards PER WEEK. can't do it. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877637037] in I have 5 c... [t:75263822]...</cite> <quote><cite>SwordMaster13X posted...</cite> <quote>Is this the guy that has a lot of credit cards but had trouble paying rent?</quote> not me, cuz i pay rent just fine. <cite>Super Saiyan 3 Goku posted...</cite> <quote>I'm a fan of Chase and have a CSP myself, but I don't see the reason for so many cards. Of course, I'm not a churner, and prefer to keep things straightforward and simple.</quote> it can be a lot. some longtime churners have upwards of 30 cards. and the even more HARDCORE ones have giftcards order like 10000 dollars worth of giftcards PER WEEK. can't do it.</quote> ... Copied to Clipboard!
SK8T3R215 04/21/17 2:55:19 PM #14:	tldr TC is a beginner churner who has to tell a dying video game message board about his exploits when a majority of the users here are financially incompetent anyway. --- New York Knicks, New York Jets, New York Yankees. <cite>SK8T3R215 posted [p:877637089] in I have 5 c... [t:75263822]...</cite> <quote>tldr TC is a beginner churner who has to tell a dying video game message board about his exploits when a majority of the users here are financially incompetent anyway.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 2:55:39 PM #15:	SK8T3R215 posted... tldr TC is a beginner churner who has to tell a dying video game message board about his exploits when a majority of the users here are financially incompetent anyway. lol get mad --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877637118] in I have 5 c... [t:75263822]...</cite> <quote><cite>SK8T3R215 posted...</cite> <quote>tldr TC is a beginner churner who has to tell a dying video game message board about his exploits when a majority of the users here are financially incompetent anyway.</quote> lol get mad</quote> ... Copied to Clipboard!
Bishop9800 04/21/17 3:00:17 PM #16:	SwordMaster13X posted... Is this the guy that has a lot of credit cards but had trouble paying rent? Or is it someone else? I remember seeing a topic where the guy wanted more credit cards but he had trouble paying rent Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch --- I don't have to insult you. I have proven that you are a hypocrite and a fool. That's not insulting you, that's exposing you. PSN-Bishop9800 <cite>Bishop9800 posted [p:877637380] in I have 5 c... [t:75263822]...</cite> <quote><cite>SwordMaster13X posted...</cite> <quote>Is this the guy that has a lot of credit cards but had trouble paying rent? Or is it someone else? I remember seeing a topic where the guy wanted more credit cards but he had trouble paying rent</quote> Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch</quote> ... Copied to Clipboard!
Tappor 04/21/17 3:01:29 PM #17:	Bishop9800 posted... Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch So scratch filing bankruptcy in 10 years. TC will be filing it within the next year or so. --- "P.S. eat s***" --Thamos <cite>Tappor posted [p:877637448] in I have 5 c... [t:75263822]...</cite> <quote><cite>Bishop9800 posted...</cite> <quote>Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch</quote> So scratch filing bankruptcy in 10 years. TC will be filing it within the next year or so.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 3:03:40 PM #18:	Bishop9800 posted... Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch stop spreading lies or i will report you for harassment. i am not 75k in debt. i dont want a nintendo switch. what the hell are you talking about? --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877637566] in I have 5 c... [t:75263822]...</cite> <quote><cite>Bishop9800 posted...</cite> <quote>Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch</quote> stop spreading lies or i will report you for harassment. i am not 75k in debt. i dont want a nintendo switch. what the hell are you talking about?</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 3:04:42 PM #19:	I mean you did say Cap1 Platinum was hard card to get and Freedom Unlimited was a beginner card... But yeah, most of CE are terrified of credit cards for some reason. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877637622] in I have 5 c... [t:75263822]...</cite> <quote>I mean you did say Cap1 Platinum was hard card to get and Freedom Unlimited was a beginner card... But yeah, most of CE are terrified of credit cards for some reason.</quote> ... Copied to Clipboard!
Bishop9800 04/21/17 3:05:27 PM #20:	MixedRaceBaby posted... Bishop9800 posted... Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch stop spreading lies or i will report you for harassment. i am not 75k in debt. i dont want a nintendo switch. what the hell are you talking about? Whatever you want to tell yourself. But we know the bullshut you posted. --- I don't have to insult you. I have proven that you are a hypocrite and a fool. That's not insulting you, that's exposing you. PSN-Bishop9800 <cite>Bishop9800 posted [p:877637667] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote><cite>Bishop9800 posted...</cite> <quote>Yeah it's him. He also said that he was over $75,000 in debt, but was going to buy a Nintendo Switch</quote> stop spreading lies or i will report you for harassment. i am not 75k in debt. i dont want a nintendo switch. what the hell are you talking about?</quote> Whatever you want to tell yourself. But we know the bullshut you posted.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 3:06:59 PM #21:	ASithLord7 posted... I mean you did say Cap1 Platinum was hard card to get and Freedom Unlimited was a beginner card... But yeah, most of CE are terrified of credit cards for some reason. cap1 plat is not hard to get. freedom unlimited is a beginner card. obviously not as beginner as a secured card, but if you have established credit it should be easy enough. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877637751] in I have 5 c... [t:75263822]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote>I mean you did say Cap1 Platinum was hard card to get and Freedom Unlimited was a beginner card... But yeah, most of CE are terrified of credit cards for some reason.</quote> cap1 plat is not hard to get. freedom unlimited is a beginner card. obviously not as beginner as a secured card, but if you have established credit it should be easy enough.</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 04/21/17 3:07:38 PM #22:	But yeah, most of CE are terrified of credit cards for some reason. Because all they hear in the news media and anecdotals are the stories of irresponsible people who treat credit cards as an extra source of income. Treat credit cards as your debit card and senseless debt is all but eliminated. Credit cards are your friends. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:877637791] in I have 5 c... [t:75263822]...</cite> <quote><quote>But yeah, most of CE are terrified of credit cards for some reason.</quote> Because all they hear in the news media and anecdotals are the stories of irresponsible people who treat credit cards as an extra source of income. Treat credit cards as your debit card and senseless debt is all but eliminated. Credit cards are your friends.</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 3:07:56 PM #23:	MixedRaceBaby posted... ASithLord7 posted... I mean you did say Cap1 Platinum was hard card to get and Freedom Unlimited was a beginner card... But yeah, most of CE are terrified of credit cards for some reason. cap1 plat is not hard to get. freedom unlimited is a beginner card. obviously not as beginner as a secured card, but if you have established credit it should be easy enough. Yeah, established credit with a decent score. You were telling people to get it as a first-time card. And you absolutely have said Platinum is a hard card. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877637809] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote><cite>ASithLord7 posted...</cite> <quote>I mean you did say Cap1 Platinum was hard card to get and Freedom Unlimited was a beginner card... But yeah, most of CE are terrified of credit cards for some reason.</quote> cap1 plat is not hard to get. freedom unlimited is a beginner card. obviously not as beginner as a secured card, but if you have established credit it should be easy enough.</quote> Yeah, established credit with a decent score. You were telling people to get it as a first-time card. And you absolutely have said Platinum is a hard card.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 3:09:02 PM #24:	Super Saiyan 3 Goku posted... Because all they hear in the news media and anecdotals are the stories of irresponsible people who treat credit cards as an extra source of income. Treat credit cards as your debit card and senseless debt is all but eliminated. precisely. every month i draw up a budget and track my spending. i dont spend more than i earn. at the end of the month, i pay it all back and i owe nothing. yet reap in the amazing rewards. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877637868] in I have 5 c... [t:75263822]...</cite> <quote><cite>Super Saiyan 3 Goku posted...</cite> <quote>Because all they hear in the news media and anecdotals are the stories of irresponsible people who treat credit cards as an extra source of income. Treat credit cards as your debit card and senseless debt is all but eliminated. </quote> precisely. every month i draw up a budget and track my spending. i dont spend more than i earn. at the end of the month, i pay it all back and i owe nothing. yet reap in the amazing rewards.</quote> ... Copied to Clipboard!
itachi15243 04/21/17 3:14:34 PM #25:	If 4-5k is nothing to you, why brag about 2k --- Winner winner, chicken dinner. Won by- kaliedoloop <cite>itachi15243 posted [p:877638147] in I have 5 c... [t:75263822]...</cite> <quote>If 4-5k is nothing to you, why brag about 2k</quote> ... Copied to Clipboard!
Bishop9800 04/21/17 3:19:40 PM #26:	itachi15243 posted... If 4-5k is nothing to you, why brag about 2k Give it time. In about a wek, he will posting about how he can't pay his credit card bills. --- I don't have to insult you. I have proven that you are a hypocrite and a fool. That's not insulting you, that's exposing you. PSN-Bishop9800 <cite>Bishop9800 posted [p:877638452] in I have 5 c... [t:75263822]...</cite> <quote><cite>itachi15243 posted...</cite> <quote>If 4-5k is nothing to you, why brag about 2k</quote> Give it time. In about a wek, he will posting about how he can't pay his credit card bills.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 4:21:48 PM #27:	itachi15243 posted... If 4-5k is nothing to you, why brag about 2k because i had to work for that 4 k i got the 2k for free. Bishop9800 posted... Give it time. In about a wek, he will posting about how he can't pay his credit card bills. why are you so mad, bro? --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877642013] in I have 5 c... [t:75263822]...</cite> <quote><cite>itachi15243 posted...</cite> <quote>If 4-5k is nothing to you, why brag about 2k</quote> because i had to work for that 4 k i got the 2k for free. <cite>Bishop9800 posted...</cite> <quote>Give it time. In about a wek, he will posting about how he can't pay his credit card bills.</quote> why are you so mad, bro?</quote> ... Copied to Clipboard!
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ASithLord7 04/21/17 4:23:26 PM #29:	Also just wanna point out that more new cards decreases your average age of accounts, not increases it. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877642114] in I have 5 c... [t:75263822]...</cite> <quote>Also just wanna point out that more new cards decreases your average age of accounts, not increases it.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 4:24:11 PM #30:	ASithLord7 posted... Also just wanna point out that more new cards decreases your average age of accounts, not increases it. at first. but over time it goes up and up and up. im thinking of the long game, homie. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877642159] in I have 5 c... [t:75263822]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote>Also just wanna point out that more new cards decreases your average age of accounts, not increases it.</quote> at first. but over time it goes up and up and up. im thinking of the long game, homie.</quote> ... Copied to Clipboard!
Bishop9800 04/21/17 4:24:39 PM #31:	MixedRaceBaby posted... why are you so mad, bro? I'm not mad. I'm just pointing out your shitposting --- I don't have to insult you. I have proven that you are a hypocrite and a fool. That's not insulting you, that's exposing you. PSN-Bishop9800 <cite>Bishop9800 posted [p:877642192] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote>why are you so mad, bro?</quote> I'm not mad. I'm just pointing out your shitposting</quote> ... Copied to Clipboard!
E32005 04/21/17 4:24:52 PM #32:	seems excessive but if you can manage it all and get dem rewards then good for you. --- http://i.imgur.com/LAvnefi.gif http://i.imgur.com/6kW9fXL.gif <cite>E32005 posted [p:877642206] in I have 5 c... [t:75263822]...</cite> <quote>seems excessive but if you can manage it all and get dem rewards then good for you.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 4:24:55 PM #33:	Bishop9800 posted... I'm not mad. I'm just pointing out your shitposting stay mad --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877642208] in I have 5 c... [t:75263822]...</cite> <quote><cite>Bishop9800 posted...</cite> <quote>I'm not mad. I'm just pointing out your shitposting</quote> stay mad</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 4:25:39 PM #34:	MixedRaceBaby posted... ASithLord7 posted... Also just wanna point out that more new cards decreases your average age of accounts, not increases it. at first. but over time it goes up and up and up. im thinking of the long game, homie. Correct. Which is a good reason to keep unused (well, aside from an occasional use to prevent involuntary closure) cards open. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877642250] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote><cite>ASithLord7 posted...</cite> <quote>Also just wanna point out that more new cards decreases your average age of accounts, not increases it.</quote> at first. but over time it goes up and up and up. im thinking of the long game, homie.</quote> Correct. Which is a good reason to keep unused (well, aside from an occasional use to prevent involuntary closure) cards open.</quote> ... Copied to Clipboard!
Corrik 04/21/17 4:26:29 PM #35:	MixedRaceBaby posted... 1) Chase Amazon Prime Rewards Visa. $2600 limit. 2) NFCU cashRewards Visa. $13,000 limit. 3) American Express Blue Cash Everyday $15,000 limit 4) Chase Sapphire Preferred Visa $9,000 limit 5) Chase Business Ink Preferred Visa, $7000 limit My next card I want to get is the Chase Sapphire Reserve card, the Chase Freedom, and the Chase Hyatt card. now i bet you're asking. WHY. WHY HAVE ALL THESE CARDS YOURE A FOOL!!! but im not. the chase amazon card gets me 5% back on amazon purchases, and 2% on dining and drugtores. as well as 1% on everything else. its only redeamable on amazon or in cash back, so i rarely use it, but it was my first card back when i didn't know about proper rewards. the nfcu card gets me a flat, 1.5% back on all purchases. the amex card gets me 3% back on groceries, 2% on gas and dining, and 1% on everything else the sapphire preferred is amazing. i get 50,000 points free after spending 4k (which i do normally, no outlandish purchases for for this. just put all my expenses on the card and pay it off right away). that amounts to 500 dollars. but i get an extra 25% redemption when i use the chase portal for travel so its moreso 650 dollars free. i can also transfer those points to airlines/hotels. a roundtrip flight to hawaii is 25,000 points. just for signing up, and spending normally, i get 2 free flights to hawaii baby! as for the other rewards, i get 2 points per dollar on travel and dining, and 1 point for everything else. based on normal spending habits, i can get up to 45k in points a year. the ink preferred card is great too since it doesn't show up on my personal credit report. i get 80,000 points for spending 5k, which again, i can do normally. i get 3x on travel and dining now. and the best part about chase cards is that i can COMBINE POINTS FOR ALL THE CARDS. so ill have... 50,000 (sign up bonus) + 4000 (spend to get bonus) + 80000 (sign up bonus for ink) + 5000 (spend to get that) +5000 (bonus points for adding an authorized user) = 144000 points! BUT IM NOT EVEN DONE. ill get 50,000 more points with the Sapphire Reserve! AND ILL GET 1.5X REDEMPTION TOO! THATS 2295.00 VALUE ALL FOR DOING NOTHING BUT SPENDING MONEY!!!! oh but mixedracebaby the annual fees!!!! the only card i have that has a fee is the ink preferred. the sapphire preferred has its annual fee waived the first year, and you can just cancel it before hand (which i wont, im going to change it into a chase freedom unlimited. no AF). the biggest AF card ill have in the future is the chase sapphire reserve. but it comes with a 300 travel credit. anything that gets coded as travel you get it back, up to 300 dollars. this includes bus fare, uber fare, etc. so its basically only 150 a year. so, is 150 worth 750 dollars worth of redemption? YES. now i know what you're going to say next. YOUR CREDIT REPORT IS FUCKED. 5 CARDS YOULL NEVER GET A LOAN. YOUR SCORE MUST BE -400 POINTS. THEY'LL CHARGE YOU JUST FOR APPLYING FOR A LOAN!. nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit. and i know you're really mad now so ill talk about interest. which is effectively 0 because I ALWAYS PAY MY BALANCE IN FULL. . so. this year alone, i will have paid 95+150= $245 dollars but will have redeemed $2295 have fun in economy CE! ill be up in first class!!!!! Chase won't give you all those cards. They have a number limit per year cycle. --- LoL ID = imajericho XBL GT = Corrik <cite>Corrik posted [p:877642313] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote>1) Chase Amazon Prime Rewards Visa. $2600 limit. 2) NFCU cashRewards Visa. $13,000 limit. 3) American Express Blue Cash Everyday $15,000 limit 4) Chase Sapphire Preferred Visa $9,000 limit 5) Chase Business Ink Preferred Visa, $7000 limit My next card I want to get is the Chase Sapphire Reserve card, the Chase Freedom, and the Chase Hyatt card. now i bet you're asking. WHY. WHY HAVE ALL THESE CARDS YOURE A FOOL!!! but im not. the chase amazon card gets me 5% back on amazon purchases, and 2% on dining and drugtores. as well as 1% on everything else. its only redeamable on amazon or in cash back, so i rarely use it, but it was my first card back when i didn't know about proper rewards. the nfcu card gets me a flat, 1.5% back on all purchases. the amex card gets me 3% back on groceries, 2% on gas and dining, and 1% on everything else the sapphire preferred is amazing. i get 50,000 points free after spending 4k (which i do normally, no outlandish purchases for for this. just put all my expenses on the card and pay it off right away). that amounts to 500 dollars. but i get an extra 25% redemption when i use the chase portal for travel so its moreso 650 dollars free. i can also transfer those points to airlines/hotels. a roundtrip flight to hawaii is 25,000 points. just for signing up, and spending normally, i get 2 free flights to hawaii baby! as for the other rewards, i get 2 points per dollar on travel and dining, and 1 point for everything else. based on normal spending habits, i can get up to 45k in points a year. the ink preferred card is great too since it doesn't show up on my personal credit report. i get 80,000 points for spending 5k, which again, i can do normally. i get 3x on travel and dining now. and the best part about chase cards is that i can COMBINE POINTS FOR ALL THE CARDS. so ill have... 50,000 (sign up bonus) + 4000 (spend to get bonus) + 80000 (sign up bonus for ink) + 5000 (spend to get that) +5000 (bonus points for adding an authorized user) = 144000 points! BUT IM NOT EVEN DONE. ill get 50,000 more points with the Sapphire Reserve! AND ILL GET 1.5X REDEMPTION TOO! THATS 2295.00 VALUE ALL FOR DOING NOTHING BUT SPENDING MONEY!!!! oh but mixedracebaby the annual fees!!!! the only card i have that has a fee is the ink preferred. the sapphire preferred has its annual fee waived the first year, and you can just cancel it before hand (which i wont, im going to change it into a chase freedom unlimited. no AF). the biggest AF card ill have in the future is the chase sapphire reserve. but it comes with a 300 travel credit. anything that gets coded as travel you get it back, up to 300 dollars. this includes bus fare, uber fare, etc. so its basically only 150 a year. so, is 150 worth 750 dollars worth of redemption? YES. now i know what you're going to say next. YOUR CREDIT REPORT IS FUCKED. 5 CARDS YOULL NEVER GET A LOAN. YOUR SCORE MUST BE -400 POINTS. THEY'LL CHARGE YOU JUST FOR APPLYING FOR A LOAN!. nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit. and i know you're really mad now so ill talk about interest. which is effectively 0 because I ALWAYS PAY MY BALANCE IN FULL. . so. this year alone, i will have paid 95+150= $245 dollars but will have redeemed $2295 have fun in economy CE! ill be up in first class!!!!!</quote> Chase won't give you all those cards. They have a number limit per year cycle.</quote> ... Copied to Clipboard!
Bishop9800 04/21/17 4:26:42 PM #36:	MixedRaceBaby posted... Bishop9800 posted... I'm not mad. I'm just pointing out your shitposting stay mad Stay shitposting. I can't wait to see what bullshit you come up with next. --- I don't have to insult you. I have proven that you are a hypocrite and a fool. That's not insulting you, that's exposing you. PSN-Bishop9800 <cite>Bishop9800 posted [p:877642330] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote><cite>Bishop9800 posted...</cite> <quote>I'm not mad. I'm just pointing out your shitposting</quote> stay mad</quote> Stay shitposting. I can't wait to see what bullshit you come up with next.</quote> ... Copied to Clipboard!
Corrik 04/21/17 4:27:42 PM #37:	Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity. --- LoL ID = imajericho XBL GT = Corrik <cite>Corrik posted [p:877642403] in I have 5 c... [t:75263822]...</cite> <quote>Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity.</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 4:27:52 PM #38:	Corrik posted... Chase won't give you all those cards. They have a number limit per year cycle. Their rule is that they won't give you a card if you've opened more than 5 cards in a 24 month cycle. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877642414] in I have 5 c... [t:75263822]...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase won't give you all those cards. They have a number limit per year cycle.</quote> Their rule is that they won't give you a card if you've opened more than 5 cards in a 24 month cycle.</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 4:28:40 PM #39:	Corrik posted... Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity. Citi Simplicity is a pointless card unless you need a long 0% APR period. Double-Cash is the way to go. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877642470] in I have 5 c... [t:75263822]...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity.</quote> Citi Simplicity is a pointless card unless you need a long 0% APR period. Double-Cash is the way to go.</quote> ... Copied to Clipboard!
EggplantParm 04/21/17 4:29:04 PM #40:	MixedRaceBaby posted... BroodRyu posted... tl;dr Can't having a ton of cards on it's own lower the credit score? MixedRaceBaby posted... nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit. Eh, yes and no. While having too many accounts won't necessarily affect your score, having too much revolving credit can definitely affect your chances on getting a loan. --- http://i.imgur.com/vStAH0d.jpg say amen or u heartless <cite>EggplantParm posted [p:877642486] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote><cite>BroodRyu posted...</cite> <quote>tl;dr Can't having a ton of cards on it's own lower the credit score?</quote> <cite>MixedRaceBaby posted...</cite> <quote> nope! the more cards, the more responsibility that is being shown on your credit report. as long as i pay everything back, my score will go higher and higher and higher. more cards increases my total number of accounts, which more is better, it increases my average age of accounts, which again, more is better, and increases my credit utilization by increasing the total amount of credit.</quote></quote> Eh, yes and no. While having too many accounts won't necessarily affect your score, having too much revolving credit can definitely affect your chances on getting a loan.</quote> ... Copied to Clipboard!
Corrik 04/21/17 4:29:49 PM #41:	ASithLord7 posted... Corrik posted... Chase won't give you all those cards. They have a number limit per year cycle. Their rule is that they won't give you a card if you've opened more than 5 cards in a 24 month cycle. The way he is talking it sounds like he is new to this so I am sure he is over that limit if he adds 3 more cards this year. --- LoL ID = imajericho XBL GT = Corrik <cite>Corrik posted [p:877642540] in I have 5 c... [t:75263822]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase won't give you all those cards. They have a number limit per year cycle.</quote> Their rule is that they won't give you a card if you've opened more than 5 cards in a 24 month cycle.</quote> The way he is talking it sounds like he is new to this so I am sure he is over that limit if he adds 3 more cards this year.</quote> ... Copied to Clipboard!
Corrik 04/21/17 4:32:21 PM #42:	ASithLord7 posted... Corrik posted... Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity. Citi Simplicity is a pointless card unless you need a long 0% APR period. Double-Cash is the way to go. Did they drop the cash back on simplicity? I have cash back on mine. --- LoL ID = imajericho XBL GT = Corrik <cite>Corrik posted [p:877642712] in I have 5 c... [t:75263822]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity.</quote> Citi Simplicity is a pointless card unless you need a long 0% APR period. Double-Cash is the way to go.</quote> Did they drop the cash back on simplicity? I have cash back on mine.</quote> ... Copied to Clipboard!
Corrik 04/21/17 4:33:29 PM #43:	And also adding new accounts DECREASES your average age of accounts. Not increases. --- LoL ID = imajericho XBL GT = Corrik <cite>Corrik posted [p:877642782] in I have 5 c... [t:75263822]...</cite> <quote>And also adding new accounts DECREASES your average age of accounts. Not increases.</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 4:34:40 PM #44:	Corrik posted... ASithLord7 posted... Corrik posted... Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity. Citi Simplicity is a pointless card unless you need a long 0% APR period. Double-Cash is the way to go. Did they drop the cash back on simplicity? I have cash back on mine. Yeah as far as I'm aware it's just a long 0% APR for balance transfer, less fees type card --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877642852] in I have 5 c... [t:75263822]...</cite> <quote><cite>Corrik posted...</cite> <quote><cite>ASithLord7 posted...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase Freedom Unlimited and Discover It should be your next cards also. Perhaps even citi simplicity.</quote> Citi Simplicity is a pointless card unless you need a long 0% APR period. Double-Cash is the way to go.</quote> Did they drop the cash back on simplicity? I have cash back on mine.</quote> Yeah as far as I'm aware it's just a long 0% APR for balance transfer, less fees type card</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 4:58:28 PM #45:	Corrik posted... Chase won't give you all those cards. They have a number limit per year cycle. im 3/24. i can get two more cards from them (ink doesnt count as one of the 5, but still subject to its rules when approving). CSR Freedom unlimited Product change my sapphire prefrerred to the freedom. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877644312] in I have 5 c... [t:75263822]...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase won't give you all those cards. They have a number limit per year cycle.</quote> im 3/24. i can get two more cards from them (ink doesnt count as one of the 5, but still subject to its rules when approving). CSR Freedom unlimited Product change my sapphire prefrerred to the freedom.</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 4:59:34 PM #46:	MixedRaceBaby posted... Corrik posted... Chase won't give you all those cards. They have a number limit per year cycle. im 3/24. i can get two more cards from them (ink doesnt count as one of the 5, but still subject to its rules when approving). CSR Freedom unlimited Product change my sapphire prefrerred to the freedom. https://thepointsguy.com/2016/07/unfortunate-expansion-chase-524-rule/ Unfortunately, it’s becoming clear that this rule has recently been expanded to additional co-branded credit cards as well as business credit cards. While there’s nothing formal published from Chase, as of late May 2016, the following cards appear to be following the same criteria: Chase Ink Cards (like the Ink Plus Business Card) --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877644373] in I have 5 c... [t:75263822]...</cite> <quote><cite>MixedRaceBaby posted...</cite> <quote><cite>Corrik posted...</cite> <quote>Chase won't give you all those cards. They have a number limit per year cycle.</quote> im 3/24. i can get two more cards from them (ink doesnt count as one of the 5, but still subject to its rules when approving). CSR Freedom unlimited Product change my sapphire prefrerred to the freedom.</quote> https://thepointsguy.com/2016/07/unfortunate-expansion-chase-524-rule/ Unfortunately, it’s becoming clear that this rule has recently been expanded to additional co-branded credit cards as well as business credit cards. While there’s nothing formal published from Chase, as of late May 2016, the following cards appear to be following the same criteria: Chase Ink Cards (like the Ink Plus Business Card)</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 5:02:17 PM #47:	ASithLord7 posted... https://thepointsguy.com/2016/07/unfortunate-expansion-chase-524-rule/ Unfortunately, it’s becoming clear that this rule has recently been expanded to additional co-branded credit cards as well as business credit cards. While there’s nothing formal published from Chase, as of late May 2016, the following cards appear to be following the same criteria: Chase Ink Cards (like the Ink Plus Business Card) i can see you're just mad and dont want to read anything Yes, if you are over 5/24, they will auto deny you for the Chase Ink HOWEVER. it does not count in your 5 cards once you have it. it doesn't even show up on my credit report. so i can be 3/24, apply for the Ink, get it, and still be at 3/24. but if i were 5/24 and applied, i would be denied for the 5/24 rule. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877644521] in I have 5 c... [t:75263822]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote>https://thepointsguy.com/2016/07/unfortunate-expansion-chase-524-rule/ Unfortunately, it’s becoming clear that this rule has recently been expanded to additional co-branded credit cards as well as business credit cards. While there’s nothing formal published from Chase, as of late May 2016, the following cards appear to be following the same criteria: Chase Ink Cards (like the Ink Plus Business Card)</quote> i can see you're just mad and dont want to read anything Yes, if you are over 5/24, they will auto deny you for the Chase Ink HOWEVER. it does not count in your 5 cards once you have it. it doesn't even show up on my credit report. so i can be 3/24, apply for the Ink, get it, and still be at 3/24. but if i were 5/24 and applied, i would be denied for the 5/24 rule.</quote> ... Copied to Clipboard!
ASithLord7 04/21/17 5:06:00 PM #48:	Not sure where you got mad but okay then. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:877644733] in I have 5 c... [t:75263822]...</cite> <quote>Not sure where you got mad but okay then.</quote> ... Copied to Clipboard!
TendoDRM 04/21/17 5:06:42 PM #49:	You missed out on the 100,000 point sign up bonus for Sapphire Reserve. --- Cel Damage! Tonight at 8:00! <cite>TendoDRM posted [p:877644778] in I have 5 c... [t:75263822]...</cite> <quote>You missed out on the 100,000 point sign up bonus for Sapphire Reserve.</quote> ... Copied to Clipboard!
MixedRaceBaby 04/21/17 5:23:35 PM #50:	TendoDRM posted... You missed out on the 100,000 point sign up bonus for Sapphire Reserve. ugh i know. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:877645779] in I have 5 c... [t:75263822]...</cite> <quote><cite>TendoDRM posted...</cite> <quote>You missed out on the 100,000 point sign up bonus for Sapphire Reserve.</quote> ugh i know.</quote> ... Copied to Clipboard!
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Current Events > I have 5 credit cards. I'll probably get 3 more this year. (+) Yeah! (+)

Current Events > I have 5 credit cards. I'll probably get 3 more this year.