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So I just asked for a credit ceiling increase for my Mastercard and I was informed that I never responded to an offer to apply for a Mastercard Black. So what the gently caress is a black card? All I know is they want 400 a year to keep it open so I said I'd think about it. Also my credit limit right now is 12k on my Mastercard Preferred, I've barely used it except for buying guns and ammo and alcohol, basically I have never tipped over like 1k used and I always just pay it off the following paycheck. Apparently the mastercard black requires me to spend money to keep the card open. wtf?
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Apr 5, 2015 23:48
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I'm going to need your credit card # to properly answer your question.
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Apr 5, 2015 23:49
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they make money off you not paying down the balance ASAP you are a bad customer for them, so they want 400$ from you why do you want the increase?
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Apr 6, 2015 00:02
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Apr 6, 2015 00:03
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It's an attempt to piggyblack off the "black card" that is only given to the mega-rich/celebrities. Visa has one too. It's a ripoff by any means, and has no cred attached to it. Stay away
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Apr 6, 2015 00:04
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Drunk Nerds posted:It's an attempt to piggyblack off the "black card" that is only given to the mega-rich/celebrities. Visa has one too. It's a ripoff by any means, and has no cred attached to it. Stay away Oh, well after further research I have to spend $250,000 annually to keep the card. I don't want this poo poo. a real jerk posted:they make money off you not paying down the balance ASAP Getting an increase helps credit score by lowering my usage more and more. I get a limit increase of $1000 every 3 months
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Apr 6, 2015 00:15
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credit cards are scrub tier poo poo don't be messing with that
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Apr 6, 2015 02:45
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If you want legit questions about credit cards answered, got to Business, Finances, and Careers subforum.
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Apr 6, 2015 03:00
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LethalGeek posted:credit cards are scrub tier poo poo don't be messing with that lol if you don't pay with everything with a credit card and not carry a balance and get free poo poo because of it.
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Apr 6, 2015 03:02
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GAYS FOR DAYS posted:If you want legit questions about credit cards answered, got to Business, Finances, and Careers subforum. No this the correct location.
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Apr 6, 2015 03:06
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LethalGeek posted:credit cards are scrub tier poo poo don't be messing with that Had problems wth the cards huh dude.
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Apr 6, 2015 03:07
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GAYS FOR DAYS posted:lol if you don't pay with everything with a credit card and not carry a balance and get free poo poo because of it. I'm white so I carry like $60 in cash tops
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Apr 6, 2015 03:08
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GAYS FOR DAYS posted:lol if you don't pay with everything with a credit card and not carry a balance and get free poo poo because of it.
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Apr 6, 2015 03:36
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OP you might want to consider signing up for as many credit cards as possible because by my understanding they are basically free money hth
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Apr 6, 2015 03:38
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mastercard black is a lesser version of their exclusive credit card for rich people, its for less rich people to feel better about themselves there are super high rollers that need to spend like 200k a month to keep the no limit super special card, and the fact that that exists makes less rich people jealous cuz they want a super special card too so they went ahead and made a card that requires less excessive spending to keep and has less benefits and is actually a pretty crappy deal altogether, from what i understand but its a status symbol to pull out your "BLACK" credit card and have people THINK that its a centurion (or w/e its called, the super extra mega rich guy card) when its really not
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Apr 6, 2015 03:40
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Darth123123 posted:Had problems wth the cards huh dude. Nah the credit union straight up upped my limit out of the blue and i'm still unsure what prompted that move. I never use the thing I try to cash/debt everything cause gently caress giving VISA more money
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Apr 6, 2015 04:24
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If its Capital One gently caress them. I owed a small amount and after my heart attack I was out of work and didn't pay them. They actually took me to court for that small amount.
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Apr 6, 2015 07:02
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Tony Homo posted:If its Capital One gently caress them. I owed a small amount and after my heart attack I was out of work and didn't pay them. They actually took me to court for that small amount. It must really suck to not pay your credit cards and have someone do something about it I thought it was free money that big gubment gave me for doing that survay thing!
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Apr 6, 2015 07:07
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LethalGeek posted:Nah the credit union straight up upped my limit out of the blue and i'm still unsure what prompted that move. I never use the thing I try to cash/debt everything cause gently caress giving VISA more money haha what, in what way are you ever losing out in a credit card transaction unless you are carrying a fuckoff large balance?
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Apr 6, 2015 07:10
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LethalGeek posted:credit cards are scrub tier poo poo don't be messing with that
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Apr 6, 2015 07:11
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Yea getting 1-3% off everything I buy, the company automatically siding with me in any chargeback or fraud situation, and all for free is scrub tier poo poo.
RonMexicosPitbull fucked around with this message at 07:23 on Apr 6, 2015 |
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Apr 6, 2015 07:20
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RonMexicosPitbull posted:Yea getting 1-3% off everything I buy, the company automatically siding with me in any chargeback or fraud situation, and all for free is scrub tier poo poo. Why would any reputable merchant accept to pay a transaction fee and run the risk of unethical chargebacks when they could be using Bitcoin instead? Sounds like a scam to me,..
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Apr 6, 2015 07:26
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The overwhelming benefit of having tons more customers/less cash to be stolen outweighs the fees and the occasional douchebag bilking you out of 5 bucks.
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Apr 6, 2015 07:31
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but yes bitcoins and implanted RFID chips are the future
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Apr 6, 2015 07:32
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I've used a debit card for the past 17 years or so, never had a problem
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Apr 6, 2015 07:33
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im gay
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Apr 6, 2015 07:36
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gnarlyhotep posted:I've used a debit card for the past 17 years or so, never had a problem yoyodyne posted:im gay same x2
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Apr 6, 2015 07:50
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gnarlyhotep posted:I've used a debit card for the past 17 years or so, never had a problem Well so have I, but I also plan to own a house later down the line and using my credit card how I have has given me a pretty good credit score in the mid 800s.
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Apr 6, 2015 08:09
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gnarlyhotep posted:I've used a debit card for the past 17 years or so, never had a problem debit cards have less fraud protection than credit cards
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Apr 6, 2015 08:28
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gnarlyhotep posted:I've used a debit card for the past 17 years or so, never had a problem You should use a credit card every so often to build credit. Also you are leaving a few hundred dollars of free money on the table every year.
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Apr 6, 2015 08:28
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I guess I just like the convenience of not being able to spend money I don't have and not having to keep track of as much poo poo
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Apr 6, 2015 08:32
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If you don't bottom out your checking account every month (a much bigger penalty than having to carry a balance for a month) theres no reason. I pay off my card every month, never been charged a cent of interest.
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Apr 6, 2015 08:34
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well then maybe there are different ways to handle finances that work for some, and don't work for others?? wtf?????? COULD IT BE??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????
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Apr 6, 2015 08:36
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Well I mean one way gets you hundreds of dollars in free money, additional fraud protection, and builds your credit. The other way does none of that and puts you on the line for a ton in fees if you gently caress up. Its not about "working" and you shouldn't be so defensive.
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Apr 6, 2015 08:39
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gnarlyhotep posted:well then maybe there are different ways to handle finances that work for some, and don't work for others?? what is your weight divided by your credit score
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Apr 6, 2015 08:40
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I cant be dealin with no credat cards, drat, they wouldnt approve me because I lacked reputable history, please bitch I been husslin on this block for a decade and who is you 18 yo white bitch
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Apr 6, 2015 08:41
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sorry, I apologize I should have just agreed that your way is better than mine
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Apr 6, 2015 08:41
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No problem it happens
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Apr 6, 2015 08:43
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I got free Amazon Prime for a year for spending like $1000 over a period of 3 months which is pretty loving easy to do if you just pay for everything with your credit card and then pay it off right away.
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Apr 6, 2015 13:58
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gnarlyhotep posted:I guess I just like the convenience of not being able to spend money I don't have and not having to keep track of as much poo poo I hope you are 19 years old. Otherwise that poo poo is pathetic.
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Apr 6, 2015 14:23
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