Post things that allow you to detect negroes and shitskins.

>>509870502 (OP)
the smell

>>509870502 (OP)
Qrd?

Klarna in card form?

>>509870502 (OP)

>>509870502 (OP)
wtf is a chime? Is this the new card for broke ass niggas?
In general, if you are over the age of 22 and still use a debit card instead of a credit card you pay off in full every month, you are financially retarded.

>>509872026
I think Chime is just an online bank that makes it easy to open a new account. Not sure if their clientele is more black/brown than traditional banks, but I'm sure it's most popular with Gen Z than Baby Boomers, which would make it more brown.

>>509870502 (OP)

>>509870502 (OP)
I’d post my eyes, but

>>509870502 (OP)
These and the shitty ones that have the $cashapp name on them.

>>509870502 (OP)

Salvaged Chrysler 300

>>509872422
>yes, goyim, get in debt to buy things you can buy with your own money

>>509870502 (OP)
any building with a mural

birthrate above replacement
not a furry

>>509872422
>pay off in full every month
lol no thanks

>>509870502 (OP)
Wife beater white shirt and basketball shorts, that's how the niggers here go to the beach. Only a nigger would get in the water with a wife beater shirt.

>>509873442
I smoked these for 10 years before I quit cold turkey. I had a girlfriend who smoked menthols and I was hooked.

>>509870557
fpbp

>>509872422
I am 33 and will never use a credit card. Sorry

>>509874461
plenty of other niggers exactly like you anon, i raise my wakanda fist to you

>>509870502 (OP)
This is considered a shitskin thing? I've been using chime for years and I'm quite literally the color of paper, hahaha.

>>509874635
Why don't you bank with your local credit union?

Chime is based, you faggot OP.

>>509874300
Congrats on quitting anon. It's been 13 years now for me.

>>509874798
I started with chime because of the early paychecks and I've just been using it ever since. It's easy because she's on it too and we can send money back and forth for various things.

>>509874176
Maximum retardation. If you're paying interest on a credit card you're probably taking the most expensive debt imaginable.
Get yourself euthanized. Be sure to put it on a CC with minimum payments too.

>>509872422
>a credit card you pay off in full every month
Why would this even theoretically be superior to just using debit?

>>509874798
Every local credit union I ever used was worse than my local banks. Had one that was for educators only when I worked at the county high school. No fees! No minimum balance! High interest rates!
Not 6 months later they closed my account and kept my money. Worthless kikes.

I bank with Chase since they have the best rates. I did open a Chime account for the balance thing. Don't use it otherwise though.

I just got my first credit card and I'm afraid to use it. The bank literally begged me to get one.

>>509875216
a CC is better for use with hotels. they also give incentives, usually points or cashback. debit card is very bad to use with hotels, because the incidental hold takes much longer to get returned to you. if you don't ever see yourself checking into a hotel then it doesn't matter.

>>509870502 (OP)
Bonus points for multiple masonic badges and/or a fraternity license plate frame

>>509874099
American nigs don't have a positive birthrate+ abortion+ they are all animefags

>muh Africa
stop feeding them lol

>>509873994
Retard huemonkey
>>509874176
Ultra-retard
>>509874461
Poor and brown
>>509875216
You get more of your money pack in points and get fraud protection plus other benefits like vacation insurance.
t. Never paid a dime in interest to a CC company and have gotten gotten five digits worth of free shit from them over the years

>>509873996
Winner winner fried chicken dinner

>>509875309
why? it's nothing to fear as long as you don't max it out, and as long as you can pay back the balance. i have multiple cards and use them sparingly. as with all things, it's about moderation and self control. check out more vids that explain the benefits like cash back and ease into it.

i've been cash-back maxxing this year and loving it. only use maybe $200 max out and pay it back without getting charged more than $2 in interest. as long as the cashback is more than what you pay in interest, you're winning. it's also safer than using debit card which if stolen can drain your entire checking account.

>NOOO stop promoting credit kikes and debt!!!
yeah yeah i used to think that too. but now i've learned how to use it correctly.

>b-but why would they want you to use their CC? what do they get out of it?
aside from the obvious interest and late fees, they get a small % transaction fee every single time you use the card, so they love that. that is enough for them and that is why they push your use of their card.

>>509875158
like i can afford to pay 15k a month

>>509870502 (OP)
>chirp

>>509875216
If fraud occurs on a debit card, you're out the money until the dispute is settled. For credit cards, you're IMMEDIATELY reimbursed the moment you dispute. You're only recharged if the dispute doesn't settle in your favor (which is rare).

On a credit card you have a full payment cycle to pay it back before you accrue even a penny of interest. So basically you extend your income by 30 days. If you're smart, you'll have money in a money market earning interest.

Credit cards often extend warranties by an additional year, too.

Lastly are reward points. Can get 1 to 5% of your purchase back as points you can use to pay off your future account balances.

>>509876184
Put that shit on a personal loan. Or at least a no interest promo period and pay it off before then.

>>509877033
i dont have a job and i need to buy things

white faggots will say a black dick is their friend's dick, spics will say a black dick is their dad's dick

Dodge Chargers
Spirit Airlines
Carnival Cruise Lines

>>509877182
So you're terminally retarded then.

>>509870502 (OP)
>hiden numbers

Is this your way of admitting to being a nigger anon?

>>509873994
>pay off in full every month
Where does that say anything about going into debt?

>>509876786
I had my debit card number stolen and a couple thousand dollars charged. It took about two weeks of fighting to get that money back. I had nearly simultaneous charges, both over 1000 miles from where I lived, but the bank didn't want to believe it wasn't me making the purchases.
I had a fraudulent charge on my credit card once, too. I called them to let them know I won't be paying for that charge. They mailed me a new card the next day and that was the end of it.

>>509875216
>cash back and other rewards
>you keep money sitting in a HYSA earning interest instead of taking it out with every purchase
>generally better fraud protection

>>509870502 (OP)

>>509872915
I believe their whole gimmick is that you can get paid earlier. It's a big thing with subhumans because they've already spent the check they've been waiting for.

>>509875216
The points and getting interest for one more month. Example, I get 6% back on groceries, 5% back on gas, 2.5% everything else. The groceries and gas ends up being around 2,000 a year.

>>509871962
basically a 50% interest credit card iirc

>>509879563
Pretty sure most banks do that now. Chime is just entirely online and has no locations you can go to. Other than that it's just like a bank. It's what I started with before I moved to SoFi because of the better APY of its saving account.

>>509872422
I don't ever pay for anything with other people's money.
Basically, I don't believe in the concept of debt. I bought my car and house in cash.
Credit score? Who cares? Not my problem. I don't play your jew games.

>>509879563
Their "gimmick" is that you can open an account without them checking your good goy score. Most banks will have to move to this model eventually since everybody realizes that you don't actually have to pay back your (((creditors))).

>>509870502 (OP)

>>509876290
carlos!!

>>509880351
Replace that with swisher sweets or black and milds

>>509870502 (OP)
Nisan Altima’s

>>509880273
You don't need a credit score to open a bank account. They use a different system for that

>>509882424
Those are beaners retards.

>>509873994
>get into debt
He said credit card that you pay off EVERY MONTH.

Man you brown people are really fucking retarded
>if you pay your credit card off every month you're going into debt
False, you favela monkey. If you pay it off every month it means you are $0 in debt and pay $0 in interest.

I have made over $10,000 in FREE MONEY just from cash-back on my credit card. I only buy what I was already going to buy, but I use a CC and get cash back

>>509879820
>debit card written on it
Do you even eyes?

>>509874176
>pay off in full
If you pay cash you're paying in full.
If you use a debit card you're paying in full.
If you pay off your credit card you're paying in full.

All 3 of those are paying in full, but only 1 gets you cash back

>>509885530
Yeah but I can't afford what I'm buying so it goes on the free money card

>>509870502 (OP)
Cashapp

>>509872422
Your post really exposed how many retarded people use this board.

>cashback
Who cares? It's nothing. Average dude is making $50k/yr pre tax yet we're expected to believe get 5 figures back on a card with a super generous 6% cash back rate?

LMAO. Some of you people are so stupid you must assume everyone else is retarded. We've had people itt throwing down numbers that would take mid 6 figures in expenses on a card to even get. Get real. At that level it's a rounding error on a single stock daily. It doesn't matter.

>>509887432
Yea people buying the cash back meme. Protip: whenever someone is bullshitting a number all you have to do is move a decimal to get 10% and then half it for 5% and again for 2.5%. people are so stupid they can't even bullshit detect basic math problems.

>>509870502 (OP)