Yep signed up for Apple Credit Card and Apple pay. 3% cash back into apple pay in some instances. Plus I like using my Watch to pay for things.Sticking with my Apple Card in the upcoming credit cardgamingwars.
Yup. Using two cards responsibly is a good advice for anyone too. A VISA and a MC. The two most popular cards. In a bind, you use one and dont have to worry if a business only accepts one brand. Every CC store will accept at least one of these brands. Most both. But you run into some that only take one of them. Or if some reason one the cards fails (I've had that few times where you fuck up the key press ad get locked out), then you pull out the other card and pay. Then resolve the locked out card when you get home with CSR.
Building a credit score is important too. Someone can go the 100% cash route for sake of budgeting. And thats fine and all, but to build up credit scores to get approved for low rate loans you need to build up a score using CCs at some point so you can at least be on record being a good reliable customer. Even just a $1000 limit card meant for students is good enough. Just milk that card for a few years to build up a score.
You really want Xbox points instead of free flights or cash back that stacks up?
With that discount I could use even a EA credit cardImagine the shame of using an Xbox card in public.
The better the card, the more perks too.I wish my father understood this. He has money so doesn't think he needs a credit card but I say why not have one just in case. It gives you more options. It gives you purchase protection, or the ability to rent a car or whatever else you may want to do, easier. And if you pay it off in full, it doesn't cost a penny.
And yes, credit rating matters for all sorts of things, and it's better to be able to show you can handle credit responsibly, than to be debt free and have no lines of credit because then you are an unknown quantity.
Never saw that one before. Is it available worldwide?
With an EA card, they will eventually shut down your favorite restaurant if they aren't profiting enough.With that discount I could use even a EA credit card
A person like that would be too far gone to feel shame.Imagine the shame of using an Xbox card in public.
Government will just bail whoever out and hire more IRS agents going after all accounts with $600.Yea, there's already Bank of America cards, the company that literally caused the financial crisis of 2007. We should keep supporting them instead, makes sense.
Especially because you pay for the merchant taking the cards wherever you shop anyway, so might as well take advantage of the perks.I wish my father understood this. He has money so doesn't think he needs a credit card but I say why not have one just in case. It gives you more options. It gives you purchase protection, or the ability to rent a car or whatever else you may want to do, easier. And if you pay it off in full, it doesn't cost a penny.
And yes, credit rating matters for all sorts of things, and it's better to be able to show you can handle credit responsibly, than to be debt free and have no lines of credit because then you are an unknown quantity.
US only, of course.
Would there be a chance of it becoming available in Europe too?US only, of course.
Only Tier 1 regions need apply
Yup.Especially because you pay for the merchant taking the cards wherever you shop anyway, so might as well take advantage of the perks.
Imagine the shame of using an Xbox card in public.
I wish my father understood this. He has money so doesn't think he needs a credit card but I say why not have one just in case. It gives you more options. It gives you purchase protection, or the ability to rent a car or whatever else you may want to do, easier. And if you pay it off in full, it doesn't cost a penny.
And yes, credit rating matters for all sorts of things, and it's better to be able to show you can handle credit responsibly, than to be debt free and have no lines of credit because then you are an unknown quantity.
Imagine the shame of using an Xbox card in public.
Definitely. I have a credit card from an airline that has a great travel rewards program that stacks a lot of miles. I buy as much as I can with it so that I can catch flights a few times a year. It's pretty great.The best credit cards give you flexible travel redemptions. Amex Gold, Chase Sapphire Preferred, etc. 1-4 points per dollar spent, and can be redeemed at significantly better than $0.01 per point in value for flights.
Going to Europe whenever you want > a free xbox game
nah, regulations dont permit this. there's essentially a loan-to-capital ratio banks have to follow.Credit is so BS anyway. If you know how it works, any loan taken out(credit card, auto, mortgage, etc) has the currency created for that specific loan. It's not in some vault that the banks have set aside for loaning, it's literally created out of thin air and then they have the audacity to charge interest on loaning out something that didn't even exist before it was loaned. Such a scam.
It happens this way actually...nah, regulations dont permit this. there's essentially a loan-to-capital ratio banks have to follow.
and if you're taking out a loan, of course there's going to be a fee. do you loan out money for free?
anyway, if you can pay off the amount each and every month, use a credit card for basically all purchases. it's ~1-10% off every purchase. and it helps build your credit score.
can't pay off the amount each and every month? NEVER use a credit card (except maybe for emergencies).
It's because the prime interest rate is very high right now, 8.5%, to curb inflation. Highest it's been since 2001.A 32% interest rate?! Am I reading that right?
Is there a legal limit to how high an APR can be? Phil out here trying to rob gamers instead of reducing the cost of xbox live I see
It happens this way actually...
That is the correct answer.anyway, if you can pay off the amount each and every month, use a credit card for basically all purchases. it's ~1-10% off every purchase. and it helps build your credit score.
can't pay off the amount each and every month? NEVER use a credit card (except maybe for emergencies).
Sony has had a visa card for a long time.Sony, make it happen for Playstation users too, you already have Playstation Stars (which sucks ass though).
I just think people don't know anything about money when they act and think like this, and they think they know everything, and it's frustrating to say the least.I wish my father understood this. He has money so doesn't think he needs a credit card but I say why not have one just in case. It gives you more options. It gives you purchase protection, or the ability to rent a car or whatever else you may want to do, easier. And if you pay it off in full, it doesn't cost a penny.
And yes, credit rating matters for all sorts of things, and it's better to be able to show you can handle credit responsibly, than to be debt free and have no lines of credit because then you are an unknown quantity.
Going to Europe whenever you want > a free xbox game
Oui. Just don’t interact with any men there!Even France?
You don't use money, you use currency. Learning the difference is the first step to understanding how it works.I just think people don't know anything about money when they act and think like this, and they think they know everything, and it's frustrating to say the least.
Us younger people have already surpassed the older folks with knowledge and even money some of us have, and they still think we should respect them as such.
No, they need to respect me.
I will use that Mastercard to buy new PC parts.
31.99% APR! Thats the highest I've ever seen.
Good luck everyone. Don't forget to pay that sucker off every month.
Tryna get some pussy paying with that at the Applebee's is gonna dry that twat up faster than Ben Shapiros wife.Imagine the shame of using an Xbox card in public.