"practically family" "....yeah so I'm also leaving early" 😂

This exchange was only for a specific batch of AirPods that had a bug. I had one in that batch and I got mine replaced but that was like over three years ago.

Gold and silver, you only need these two.

Cope more

Your expression like a woman 😒

"I have a gun"

Excellent video. Very well done.

I had my account flagged twice when I withdrew $10,000 on separate occasions, they only asked what it was for to have something written down and I stated "it was just to keep money off the books". I never had anything become of it, but it was interesting to watch how people's demeanor changes

talk a lot and tire the other guy into giving you a 'shut up' discount.

Nearing $10000 on a deposit would be investigated as a form of structuring

I have a mortgage not rent that’s why i haven’t seen them as an option.

I've never understood the whole lab grown diamond thing. It's still a diamond? Can you even tell with your eyeballs alone? No? So who gives a shit???

I don't buy jewelry it's stupid I buy fake jewelry nobody knows the difference in my circle so idc

this is really helpful. actually I did all of the mistakes that you mentioned earlier. the card I have right now is my first, so I definitely fall into the beginner user category. I once used all the credit limit to buy a phone. It costed me about $1000. however, I didn't pay off everything during the first month cycle. I tried to pay a lot, but sometimes there are months when the cashflow was really bad and I only got to pay the minimum amount. at the same time, I'm still using it for gas and other casual shopping needs. after about 3 years of using it, I realise that the debt is never ending. the interest keeps getting charged onto my card every month with a fixed amount, no matter how much I paid in the previous month. at some point, I felt suffocated. I started regretting getting and using the card at the first place. watching this video really helps me out to see things clearer. thankfully, I have paid off all the amount left on my card, and decided to close this one as it really doesn't give me the benefits which I really want. I have a card in mind, which seems interesting as it gives rewards on a shopping app I use almost on a daily basis, so I probably will go apply for that one instead. thank you so much, sir Liang. your insights are really appreciated. ❤

I was told at a real estate conference years ago to keep your revolving utilization around 10-15% of your credit limit (but still pay off cards each month)

To much diamond

What if the statement close date is after the payment due date?

My chase pref gave me 22k i was shocked. lol

🤣🤣🤣i confused😂😂😂

What would you recommend for me to use right after college?

What is bro yapping about? If you want your diamonds go mine it, not buying it

Well, if you're paying for a credit card, might as well just get vx

So glad Elon helped run on the campaign of securing American jobs and boosting the economy 🙄

Where is the calculator?

When applying, the only thing to look for is a welcome offer and cash back on groceries.

don't say it's an engagement ring and carats don't really matter just get something that looks nice and suits the style of the person you're buying it for. if you want diamonds 100% get a lab grown one OR an antique. or consider moissantie. but also remember that there are a lot of other gemstone options too like sapphires or rubies. some people don't even want a diamond in the first place. all that matters for gemstones for every day wear (like engagement or wedding rings) is they should be very hard (8 or above) to limit wear and tear. that gives you a LOT of options. just get lab grown anything tbh. the lab grown ones are cheaper and not mined by children.

that's what I do....I get to work part time only because of it! :-)

All of my credit cards closing date is Within a week after my payment due date. How am I supposed to pay it before my closing date if it's after my due date

Great tip for new credit seekers and those who are OCD about credit score 😂

And they count on the fact a lot of folks will forget about their restaurant credit. On top of that assumption, they upcharge everything by 30%

would've liked data points to see my chance of getting either.

What about cashiers check, is it the same?

You have to be able to pay your credit card in full every month without possibility to not be able to pay

This whole video is presumtious as it assume most Americans actually HAVE money in savings or income to PAY the large charges off in a matter of 30 days. Honestly, if you need to spend $10,000 on something or an emergency and HAVE the cash to pay for it, use the cash/savings/debit way to pay for it. Or at the very least, use mostly savings and debit to pay for at least 75-80% of the purchase and the remaining 20% on credit to boost your credit score and to keep the credit bill to a low minimum so you dont drown in debt and interest payments from 1 transaction in a month's period. IF, you have savings to use. Which, most people dont. So.....

My bf was equally happy and surprised when I didn’t want a gold and diamond ring and instead asked for a blue topaz silver ring for our wedding. It’s amazing with a lot of details in the silver and a heart shaped stone, but inexpensive. He could afford something way more expensive and I think he was prepared to pay more, so I asked him not to. As cheesy as it sounds - he is all I wanted. The ring is just a symbol, the price tag is irrelevant.

That's called capitalism.

Grab that money back

I deposited 25k the year before last and my taxes were approved without it, the only report the transactions if it’s suspicious

I started my grind for the amex and happily i got approved for blue card. Because chase denied my freedom flex application

Banks can do anything to keep them from extra interest rates to consumers kr the like but when a consumer tries to do it it js illegal

Exactly why I always dread the rare occasions when I deposit large sums. Thank you for educating us!

You can’t even get this card if you want it. Waitlisted. Been waiting months since it was announced.

Still waiting on the list 😂. Signed up on waiting list day one as a gold member smh

I only do two week notice if I need a reference down the line.

Still waiting on the list 😂. Signed up on waiting list day one as a gold member smh

I’m only 2 minutes in but I’m guessing commenting and tagging Petunia Backdoor is necessary to boosting your score 😂

I got 5x on groceries, restaurants and gas for 1st month

You completely miss the point of this card. It’s not meant to be a stand alone product, it is an accessory to your brokerage account. This will give Robinhood a competitive advantage against other brokerage firms. 3% match on my Roth, 4.75% on my HYS, now 3% cash back on my credit card, redeemed straight to my brokerage is just the icing on the cake. Definitely not a good card unless you like to invest for sure.

Bilt mastercard is already slowly losing some of its appeal. Its clear WF is not happy with the amount they are losing on them. Some benefits such as transfer rates are not being attached to tier, but rather algorithmic targeting. Rent day benefits and selection of airlines have gotten worse. I had planned to just run all of my households spend through Bilt just to avoid the credit card min-maxing. However the fact users of a much lower tier got better transfer rates makes me feel bilt does not actually value me as a customer.

Anyone know how to dispose of your metal cards?