Is this board just for shitcoins and schizoposting about penny stocks? Why no credit card threads?

Anyway, I've had Chase for nearly 20 years, never had to manually dispute a charge until today. For some reason I assumed it would be simple but their "reasons for dispute" are nonsensical and they tell you "don't pick this option if you ____" without telling you what you should pick if ____ applies. It seems to me like they just want me to give up and not try to use the dispute system, which has destroyed my confidence in this bank. It's like insurance that doesn't pay when you have a claim, why bother in that case? It's not even that big a dollar amount but if it was, that would be a real problem.

Is Amex like this? Surely Amex is prestigious for a reason, right? I just have a shitload of Chase cards because that's where I have my main and oldest checking account but I'm reading a lot about how much they suck if you ever have a problem with a merchant. Also I don't like obscure/weird cards, and Amex counts as obscure/weird in my book. I have a Discover because it's free but if it wasn't free it wouldn't be worth the hassle of having something so weird.

Also cards general unless this is just totally off topic.

Who else is comfy with gold card? 3% back on all purchases is pretty sweet. Also does anyone know if you can add on people with the chase sapphire reserve?

>>60583401 (OP)
Wtf is a CREDIT card lmao you sportsball card collectors are really pushimg the limits of your retardation with this one LOL
>hurr durre chud this is my favorite bank heh chump you wish you had this card its thuper collectible
Like really? What're you going to roll out next? Virtual real estate?
>inbr r3nt free

>>60583415
Ive got an air fryer if you wanna trade for that card. I guess i was wrong in my earlier post, credit cards are pretty cool. Wanna trade ??

>>60583415
most likley going to move it down below 3% in the next year or so

>>60583417
you dont collect and sell credit cards you idiot

I've never had a credit card and don't plan on getting one.

>>60583425
>not actively trading his TRADING cards
Lmao ngmi dumbass stay p00r + you dont have a gold card to offer iregardless

>>60583426
why not, free money if you arent low iq

New credit card designs. Apparently theyve got gas cards too. Finna pickme up a chevron card and a shell one too, probably trade them for like another SUV, maybe a 4runner, i own 2 already.

>>60583425
Maybe, but so far there’s only 200k people who have the card and millions still on the waitlist. The t could be a while before they lower the rates

>>60583442
I am allergic to credit, usury, debt and other such hebrew nonsense.

>>60583462
So you prepay your water bill and phone bill each month?

>>60583466
My phone bill is $15 a month and I get my water from a stream. I do live in the 3rd world though (Appalachia).

>>60583462
nobodies forcing you to carry a balance on a CC

pocket the sign up bonus and the 2% for your unavoidable bills

>>60583479
And electric you get from the sun? I've talked to people who have a purity complex about credit cards and it always turns out they're already using various things on credit without even thinking about it.

>>60583401 (OP)
OP, Chase is the shittiest of all the banks. Back when COVID grants were being handed out, Chase was the only bank rejecting grants (these were from businesses that fully qualified, but Chase sent the money back due to it being a personal account.) Those business owners genuinely missed out on $10k+ they could never get back because the funds for the EIDL grant ran out.

>>60583657
all the more reason to leech their credit cards

>>60583401 (OP)
Is Amex worth it for the 6% cashback?

>>60583451
I really, really, really like this image

>>60583486
Dont make the perfect the enemy of the good. People wanting to deal straight and not become entangled in a clownish system of debt and credit is a good thing.
>we should improve society somewhat

>>60583415
do you have the physical one? how heavy is it
>>60583425
>he doesn't get his credit cards graded
never gonna make it

>>60583415
I got an invite but didnt apply since I was in the middle of getting a mortgage. Didn't want to fuck with ny credit.

My citi doublecash gets ripped off every couple years and theyve never given me shit about it. I just say hey, that purchase wasn't me, and they refund me and ship me a new card.

The Fidelity one seems kind of cool. I had the idea of targeting a <10% utilization rate and using dividends to cover it with autopay to build credit with the cash flow and use my regular income to continue investing.

>>60583401 (OP)
I’ve got sapphire preferred.

I want the Amex plum or green card just for the cool color

>>60583415
I've been wanting robinhood cards for YEARS now. I just want bunch CCs that give cashback to investment portfolios while i build up credit. so far I fidelity, sofi, and schwab(amex). I used to have m1 card but they didn't renew the partnership with the bank that dealt with CC.

how long did it took you to get your card?

I recently got the Gemini crypto cashback card. Pretty sweet way to get free sats

>>60583401 (OP)
Chase Sapphire Reserved is also going to dogshit, it's gone from a quasi-prestigious travel card to a consoomer slop coupon card made for redditors. Do not redeem.

>>60583401 (OP)
every time i've had to use a bank i've had issues. i just stick to credit unions now

Key Features:
>Earning Rewards: 3X points on travel purchases and 2X points on all other purchases.
>Redemption: Points can be redeemed for cash, travel, gift cards, and merchandise.
Travel Benefits: The card includes benefits like travel and emergency assistance, worldwide automatic travel accident insurance, and a collision damage waiver.
>Global Entry/TSA Pre®: Statement credits are available for the application fees for Global >Entry or TSA Pre®, up to $120.
No Rewards Limit or Expiration: Rewards do not expire as long as the account is open.

I got a year of Amazon prime and $450 for spending a couple grand in the first month. I really wasn't spending anything though because it was money for travel my company was giving me

>Coinbase is launching a new credit card called the Coinbase One Card, which will offer up to 4% back in Bitcoin on purchases. This card will be exclusively available to members of Coinbase One, the platform's subscription service, and is powered by the American Express network. The card is expected to debut in the fall of 2025.
Here's a more detailed breakdown:
>Crypto Rewards:
>The Coinbase One Card will offer tiered Bitcoin rewards, with a base rate of 2% back and potential to earn up to 4% back depending on the amount of assets held with Coinbase.

I feel like this had potential but fell short

No Limit soldier checking in

>>60583401 (OP)
bleh, I'm going to lose my lounge access next year and venture x doesnt want me still probably cause im a churning slut

>>60584918
How do you get no limit for any credit card?

anyone?

>>60585392
>age of account (be w/ CC company for awhile)
>don't carry a balance (always pay in full)
>pay for a signature card e.g. this is an AMEX platinum I pay 500 bucks a year or some shit for
>keep asking for limit raises on cards (between issuers, e.g. every couple months I request a CC limit raise)

also you should increase your income if you can (job hop, ask for raises, learn more skills)

Post credit card numbers or else you are just larping that u actually own a credit card.

>>60585569
This

>>60584918
>Mr. Frost
Are you some evil billionaire from a comic book

>>60585964
kek. that's just some generic asset on their desktop site: https://www.aexp-static.com/online/myca/shared/summary/cardasset/images/NUS000000237_480x304_STRAIGHT_96.jpg

the mobile app is much slicker and customizes the card.

>>60583442
>>60583462
I'm le based so I'm going to have 400 credit and pay 300 a month for car insurance instead of 120 like if I had 800 credits. Retarded

>>60583401 (OP)
These days, the only credit cards I use regularly are my Amazon Prime card and Venture X.

I earn over $1,000 a year in cash back just from Amazon and Whole Foods purchases alone.

Venture X replaced my Citi Double Cash, since it also gives me 2% back on all purchases, plus a few added perks.

I also have the Sapphire Preferred, which I mainly got for the 90,000-point sign-up bonus. It's decent for occasional 3x points on dining and online grocery purchases, but I have a feeling Chase might nerf the benefits and hike the annual fee like they did with the Sapphire Reserve. If that happens, I’ll probably downgrade it.

>>60583401 (OP)
whats a credit card that will approave anybody right now?

>>60583415
I use this card for everything except food, which I use the citi bank card with 5% back on one category.

>>60584901
2% is still good though. I'm assuming this is with minimum assets on their cex and the $5 membership tier they're making

>>60586297
wats your credit score?
do you want perks?