This is topic Visa Black Card in forum General Talk at Northern California Ford Owners .
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Posted by JohnCM (Member # 1076) on
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I got an invitation for this scam, but I started giving it some more thought and was thinking if it would actually be worth getting to receive better service at bars and restaurants.
What is the cafords opinion?
$495 for a credit card ![[Roll Eyes]](rolleyes.gif)
Posted by adower (Member # 5955) on
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quote:
Originally posted by JohnCM:
I got an invitation for this scam, but I started giving it some more thought and was thinking if it would actually be worth getting to receive better service at bars and restaurants.
What is the cafords opinion?
$495 for a credit card
I got one of those as well. Laughed and three it in the garbage. Pay them for a credit card. Hell naw.
Posted by 135.0 (Member # 4992) on
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I have a 300 fico they denied me, lol
Posted by SLOWBACK 67 (Member # 6348) on
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Where do I apply for the white card?
I had an 805 last time I ran my credit LOL
Posted by 135.0 (Member # 4992) on
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Does the black card pay for tickets, or back child support, or bail money?
Posted by hurting your feelings (Member # 13641) on
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quote:
Originally posted by SLOWBACK 67:
Where do I apply for the white card?
I had an 508 last time I ran my credit LOL
Fixed it for you.
Posted by SLOWBACK 67 (Member # 6348) on
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quote:
Originally posted by hurting your feelings:
quote:
Originally posted by SLOWBACK 67:
Where do I apply for the white card?
I had an 508 last time I ran my credit LOL
Fixed it for you.
I actually do have really good credit.
Posted by hurting your feelings (Member # 13641) on
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quote:
Originally posted by SLOWBACK 67:
quote:
Originally posted by hurting your feelings:
quote:
Originally posted by SLOWBACK 67:
Where do I apply for the white card?
I had an 508 last time I ran my credit LOL
Fixed it for you.
I actually do have really good credit.
To be a member here you have to have bad credit an at least one misdemeanor.
Posted by SLOWBACK 67 (Member # 6348) on
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I was arrested for a DUI about 10 years ago. I think that should qualify to be a member here.
Posted by 135.0 (Member # 4992) on
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I have a wreckless on my cbr
Posted by hurting your feelings (Member # 13641) on
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quote:
Originally posted by SLOWBACK 67:
I was arrested for a DUI about 10 years ago. I think that should qualify to be a member here.
That makes you a o.g on here
Posted by BLK66FB (Member # 8282) on
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Not as good as an American Express Black Card...
Posted by stanger00 (Member # 13818) on
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Threw that straight in the trash when I seen the envelope.
Posted by fredfifty (Member # 10320) on
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quote:
Originally posted by stanger00:
Threw that straight in the trash when I seen the envelope.
I hope you shredded it first lol some pro greasball thief will have a field day with that cc app.
Posted by stanger00 (Member # 13818) on
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It only got the hand shred.
Posted by Black 02 SS (Member # 5939) on
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quote:
Originally posted by JohnCM:
What is the cafords opinion?
Are you sure this is the best place for financial advise? LOL!!
Read this for a more detailed comparison:
http://thepointsguy.com/2014/08/amex-platinum-vs-visa-black-vs-citi-prestige-who-wins/
If you're someone that travels or eats out often it may be worth it for the perks you get. I have the SPG AMEX card and it suits my purpose for hotel stays. In the last year I've had 9-10 free nights at Sheratons, which I can't complain about for a $75 annual fee.
Posted by phonso302 (Member # 9260) on
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my wife and I always get those invites. Straight to the shredder they go... only a sucker would pay $500 a year for a credit card.
Posted by 50Reasons (Member # 6452) on
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Cash is king ... Did away with all my cc and pay cash for everything now , now I'm paying off the mortgages early putting all money towards principal don't want any payments anymore budgeting everything.. Try reading Dave Ramsey book it's helping me a lot.. If you don't have the cash u don't need it
Posted by adower (Member # 5955) on
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quote:
Originally posted by 50Reasons:
Cash is king ... Did away with all my cc and pay cash for everything now , now I'm paying off the mortgages early putting all money towards principal don't want any payments anymore budgeting everything.. Try reading Dave Ramsey book it's helping me a lot.. If you don't have the cash u don't need it
Its just that simple. For some reason some people cannot wrap their ideas around this line of thinking. Dunno how you could charge a unnecessary item on a credit card knowing you dont have the money to pay for it.
Posted by JohnCM (Member # 1076) on
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I agree cash is king
lately I've been using my credit card for everything and paying the full balance each following month
Posted by fredfifty (Member # 10320) on
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I go to town with my amex card at costco, dont judge me.
Posted by Robb (Member # 9444) on
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quote:
Originally posted by 50Reasons:
Cash is king ... Did away with all my cc and pay cash for everything now , now I'm paying off the mortgages early putting all money towards principal don't want any payments anymore budgeting everything.. Try reading Dave Ramsey book it's helping me a lot.. If you don't have the cash u don't need it
I did this as well. Paying payments for everything is how people stay poor.
Posted by hurting your feelings (Member # 13641) on
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quote:
Originally posted by fredfifty:
I go to town with my amex card at costco, dont judge me.
An you get cash back at the end of the year.
Posted by 135.0 (Member # 4992) on
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quote:
Originally posted by hurting your feelings:
quote:
Originally posted by fredfifty:
I go to town with my amex card at costco, dont judge me.
An you get cash back at the end of the year.
I get rewards for using the credit cards and paying them off by the end of the month so you don't rack up interest charges. Plus get points back, but annual fee that big must be for big ballers with larger bills than me.
Posted by fredfifty (Member # 10320) on
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quote:
Originally posted by hurting your feelings:
quote:
Originally posted by fredfifty:
I go to town with my amex card at costco, dont judge me.
An you get cash back at the end of the year.
thats why I go to town ![[Big Grin]](biggrin.gif)
Posted by stanger00 (Member # 13818) on
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quote:
Originally posted by 50Reasons:
Cash is king ... Did away with all my cc and pay cash for everything now , now I'm paying off the mortgages early putting all money towards principal don't want any payments anymore budgeting everything.. Try reading Dave Ramsey book it's helping me a lot.. If you don't have the cash u don't need it
I agree with this mostly but if you can't manage credit card debt than how can you expect to save cash to purchase a large item? My opinion is if you can save a large sum of cash then why couldn't you manage available credit on your credit cards?
Another note is you need credit to purchase a home, especially in the Bay Area. So, stay away from Dave Ramsey books if you plan on buying a home in the Bay Area and you only get paid 30 bucks an hour because it's never gonna happen. Get those credit cards, play the 10% balance game for a few years and get that available credit up and maintain a good debt to income ratio to get that huge loan for your own home and once that is done start doing the Dave Ramsey thing. Or live is squalor for 10 years and buy your dream home with cash.
Posted by Z06-FTMFW (Member # 3164) on
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I like credit cards and I use them. Its about managing your finances, knowing how much you can spend.
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