secret_no_03
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Content Count
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Joined
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Days Won
15
Posts posted by secret_no_03
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58 minutes ago, saishuu said:so no one is gonna question why some random guy in a weeb forum is asking people about their credit cards and their credit scores and limits like that's normal? no one? okay
Really curious about how one could benefit in a criminal way by asking about that stuff. Not like I'm going to be asking folks for a loan or something. I entirely ask to get a perspective on everyone else, there's people all over the world here and people from every country tend to act differently in terms of how they use credit cards. I literally only asked about scores and limits because of my own. I have a 653 and a 5000 limit on one and 1500 on another, and sadly both keep getting maxed out as I'm underwater when Murphy comes around and I don't have an emergency fund. 🤷♂️
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23 minutes ago, Peace Heavy mk II said:don't answer this question
Not sure how it's a big deal, I was just curious, the higher the score the more someone had been very good at paying debt for a long time and the lower you're either drowning or in some cases, when you get rid of cards, your score will slowly decrease down to 0.
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9 hours ago, Mihenno said:I have Chase Sapphire and get 2X points for dining and travel. Within the last year, I've traveled quite a bit (Norway, Japan, AZ, NY, etc) and the card has been great for this. Besides the fact that it's thick and weighted and feels nice to hold, it's been pretty good to me for the travel purpose. I pay for airfare, hotel, food, and everyone else just gives me their share but then it's like the entire purchase is put on the card even though not all of that is mine but I'm getting all the points for it. I currently have 98,000 points which I could cash in for $980 or redeem it for airfare and get an additional 25% out of it. I'm holding on to it for now because I won't be going anywhere anytime soon (with Corona virus and all).
I do have a debit card, but I rarely use that now because I don't get points with it. To answer your question: to me, there's really no advantage other than accumulating points/cash back. There's no real difference if I used my debit card or my credit card. Both end up pulling money from my checking account. With the debit card, that money is obviously pulled right away, but with the credit card, I just end up pulling what I charged on the credit card all in one payment at the end of the month.
Sorry I feel like im rambling at this point lmao. So basically the reason I got my current credit card is because it's weighted and not paper thin and 2x points for food/travel.
Ah, okay. Well it makes sense if that's all you use, but studies have shown people spend way more with a credit card than they do with debit and way more than cash because when you use cards there's no discomfort like what you get when you have to hand over individual paper money/coins. Just some food for thought, glad you pay it off though. If you don't mind my asking, what's your credit score at this point?
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11 minutes ago, Mihenno said:I never understood why my friends have like 4-6 active credit cards. If I don't have money to buy something, I'm not buying it.
I have 1 card and I use it for EVERYTHING to rack up the points. I pay it off every month and refuse to ever be in debt. The credit limit on it is only $8,300.
Debt scares me and Idk how my friends can just continue on like they're not drowning in it.
You only get on average 1% back on purchases, so it'd take like 100K to get back 1000 in points and I've heard most people don't even use their free airline miles. I mean technically wouldn't you save money if you got rid of the card, didn't have the payment period and used that money on something else? I mean besides points what advantage does a credit card have over a debt card or cold hard cash? Genuinely interested in your pov.
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It's said that the average American (I'm sure this goes for several other countries (looking at you Japan where I've read people in Japan may have as many as ten credit cards) has at least 4 credit cards active at any given time and upwards of $15K in debt. So, my question is as follows. Do you have a credit card, if so how many and how much debt do you owe on it, what's the credit limit and why do you have one? Also, if you don't have a credit card, why not?
I currently have two, and I can't wait to get them paid off and cut them up, and I'm one step closer since paying off my phone a few months ago.
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Last night I was going to sleep and it blew my mind the number of people I know who this $1200 (+ $500 for each dependant under 17 you have) will be such a big deal to, if not life changing. Literally the most amount of money they've ever had at one time and it's sad. It's not sad because they don't work hard enough or what have you; it's sad because there's plenty of poor and working poor folks.
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Everything's going to be just fine, a few gaijin on twitter won't mess things up, even if they were crazy enough to protest when they came to Europe or America for a show, but by the time they could do such a thing they'll have moved on to the next injustice. Why westerns expect Japanese, a country of homogeneity with a history of pretty much deleting history from their text books to be as woke as those with too much time on their hands or are using it in less efficient ways (that twitter energy could go to actually helping people in person.) never ceases to amaze me. Seriously, what will it take for you to learn that the Japanese are far different from the rest of the world. That being said, it sounds pretty good and it can only get better, they should cover SLTS for a B-Side now.
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7 minutes ago, Komorebi said:They haven’t dealt at all, they aren’t testing anyone to keep the numbers low and are reporting deaths as pneumonia's.
Japan was reporting cases earlier than the US, and you have to remember how close China is to Japan economically. Japan is the #2 international travel destination for Chinese people, and Tokyo has the 2nd largest number of travelers from Wuhan of anywhere in the world. Osaka was also in the top 10. I wouldn't be surprised if it was here in Japan in December 2019. Japan, Thailand and Korea should all basically be on the same timeline, and quite a few weeks/a month ahead of Europe and North America. If Japan's cases really were growing exponentially in the world's oldest-skewed population, we wouldn't be talking about a couple thousand excess deaths given that the virus showed up in Japan earlier than most other places outside China. There would be tens of thousands of excess deaths hitting now, in March. On average, they have about 100,000 deaths a month (well, probably higher in the dead of winter and the height of summer and lower in other seasons). We'd notice if there were instead 150,000 deaths.
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Always bizarre when the singer isn't the figurehead of the band, but it's pretty good regardless and haku is the most experienced, just hoping it doesn't turn into something Kisaki-esque.
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7 hours ago, EvilHippy said:Why can't they #StayTheFuckAtHome ?
That's an American thing, Japan is pretty much back to business as usual, honestly it never really changed much. They're seemingly dealing with covid19 very well, probably because Japanese people don't touch each other and everyone already wear masks when they're sick.
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Just discovered this, was out of the loop for a bit since DÄLLE have cut back on releases and saw this. Not sure how or why, but they're back. Check out 𝔱𝔥𝔢 𝔥𝔞𝔱𝔢 𝔥𝔬𝔫𝔢𝔶 (@THEHATEHONEY_jp): https://twitter.com/THEHATEHONEY_jp
[announcement]
2020年5月31日(sun)
新宿LOFT
drug store cowboy
20th anniversary gig
"The world is not ending"
special guest
THE HATE HONEY
supported by 新宿LOFT
OPEN 17:30
START 18:00
ADV ¥4,400
DOOR ¥4,950
⚠︎TICKET
2.15(sat) Lawson先行発売開始
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Awesome, just my own list of everything we've found so far.
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I have tried to get back into these guys, but I will always consider Utsusemi as their best and I'm far more interested in Ryutaro's solo these days. That being said, this album is shaping up to be pretty good.
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This comes to mind off the top of my head.
Credit Cards
in General Discussion
Posted
Well I have no reason to need to defend myself to you, but since you're calling my motivation into question, I left because I got out of VK for a bit, which happens from time to time as my musical interests are cyclical and this coronavirus and the discussion I knew it would bring about was the other part. So, I'm back because of my inescapable love of VK and real world discussions. 😁 There's plenty more things to talk about than politics in a forum of adults.