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I am this cheap - Credited?
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Date: June 17th, 2012 7:37 PM Author: frozen athletic conference I have 22 open credit cards. I save one for my regular spending.
Every weekend, I splurge on a nice dinner. I charge it to a different cc every time. I rotate through all cc's except one so I use them each about twice a year. I have chargebacked every dinner purchase successfully on these cards this last year. I've "saved" appx. $2300 this last year on dining alone.
Never once have I had any pushback from the credit card company or merchant.
Is my cheapness credited? |
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Date: June 17th, 2012 7:39 PM Author: vermilion trailer park personal credit line how have you chargebacked your dinner? (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905399) |
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Date: June 17th, 2012 7:41 PM Author: mustard principal's office antidepressant drug wut (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905415) |
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Date: June 17th, 2012 7:41 PM Author: Abusive citrine mental disorder spot LOL what? you report the charge as fraudulent or something?
I thought they put this on your credit report when you report a fraud charge and so they could eventually figure out. |
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Date: June 17th, 2012 7:50 PM Author: 180 frum goal in life half-breed no, nothing is on your credit rpt. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905501) |
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Date: June 17th, 2012 7:41 PM Author: mustard principal's office antidepressant drug none of this happened.
cc companies aren't stupid. you cannot chargeback 50 things fraudulently per year. Shitty flame. |
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Date: June 17th, 2012 7:49 PM Author: Vigorous piazza international law enforcement agency you can easily charge back twice a year to a single card like he claims to do. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905492) |
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Date: June 17th, 2012 7:50 PM Author: 180 frum goal in life half-breed he's only charging back 2 things on each card. learn to read. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905499) |
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Date: June 17th, 2012 7:53 PM Author: mustard principal's office antidepressant drug retard. regardless of the fact he's only hitting each one twice cc companies have access to a variety of your credit history and credit events. They aren't in the dark about the fact that youre doing 52 chargebacks per year you stupid kike. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905520) |
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Date: June 17th, 2012 7:54 PM Author: vermilion trailer park personal credit line cr (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905532) |
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Date: June 17th, 2012 7:58 PM Author: 180 frum goal in life half-breed no (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905572) |
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Date: June 17th, 2012 7:55 PM Author: 180 frum goal in life half-breed no, there's no reporting on your credit report that you dispute a charge. there's a reporting that you dispute an account directly on your credit report.
if all the cards are issued with a variety of banks, there's no way they'll find out. if he has 10 chase cards and 10 citi cards, it's easier to find out. |
Date: June 17th, 2012 7:41 PM Author: Concupiscible Theater Stage Cumskin Being "cheap" =/= theft (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905422) |
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Date: June 17th, 2012 7:43 PM Author: cruel-hearted nowag Yeah this is flame, but...
Cheap is eating ramen or living off the McDonald's dollar menu. If this actually happened you wouldn't be cheap, just a thief.
But nice flame brah. |
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Date: June 17th, 2012 7:45 PM Author: frozen athletic conference I actually never report the transactions as fraudulent. I just tell them, in a way they want to hear, that the quality of the purchased merchandise did not live up to what was promised. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905451) |
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Date: June 17th, 2012 7:46 PM Author: vermilion trailer park personal credit line nice flame bro (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905472) |
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Date: June 17th, 2012 7:52 PM Author: 180 frum goal in life half-breed tcr. i've charged back things that were total ripoffs/scams when the merchants refused to give discounts, even though they weren't "fraudulent." e.g., a very bad experience at a hotel. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905517) |
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Date: June 17th, 2012 7:46 PM Author: histrionic pontificating nibblets indirect expression I didn't know you could get 22+ credit card issued (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905461) |
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Date: June 17th, 2012 7:49 PM Author: cruel-hearted nowag This is actually the only believable part of this flame IMHO. U can get a ton of credit cards if u apply and u don't carry a huge balance (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905489) |
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Date: June 17th, 2012 7:46 PM Author: vermilion trailer park personal credit line I used to own a bar where this indian dude tried to chargeback two bar tabs in the same month. The next time he came in I told him he was either going to pay us in full and tip on the two tabs or be banned and get his ass kicked. He paid. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905468) |
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Date: June 17th, 2012 7:48 PM Author: mustard principal's office antidepressant drug tyft. I can't believe someone had the balls to chargeback and then roll in again, not once but twice. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905485) |
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Date: June 17th, 2012 7:50 PM Author: vermilion trailer park personal credit line yeah, it was completely comical. He was a guy who used to come in fairly regularly too, so I was like wtf? Apparently Mastercard had a policy where if the merchant couldn't produce the signed slip they would always honor the chargeback regardless of whether or not the transaction was legitimate. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905500) |
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Date: June 17th, 2012 7:51 PM Author: razzle-dazzle stage THE REAL QUESTION IS: WHY DO U HAVE 22 CREDIT CARDS??
enjoy a 300 FICO score. |
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Date: June 17th, 2012 7:52 PM Author: Vigorous piazza international law enforcement agency having lots of cards doesn't necessarily lower your credit score. in fact, responsibly using credit increases your score. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905515) |
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Date: June 17th, 2012 7:52 PM Author: frozen athletic conference Opened them over the course of several years to collect the new account bonuses. Banks were pretty generous before '09, lately they've been getting generous as well.
Because of it, I haven't paid for a single airline flight the last 2.5 years, either.
Also, my credit score is above 800. |
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Date: June 17th, 2012 8:02 PM Author: 180 frum goal in life half-breed credited strategy. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905607) |
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Date: June 17th, 2012 7:51 PM Author: 180 frum goal in life half-breed i 100% believe that this can be done and i'm disappointed i didn't think of it. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905511) |
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Date: June 17th, 2012 7:52 PM Author: Vigorous piazza international law enforcement agency kike (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905516) |
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Date: June 17th, 2012 7:53 PM Author: vermilion trailer park personal credit line but how the fuck would this work? You just call up later and say I didn't enjoy my meal and the CC company is just like ok cool we'll do a chargeback? THey don't just say "If you didn't like your meal why didn't you talk to the manager? Why did you sign your slip and tip?" (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905523) |
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Date: June 17th, 2012 7:57 PM Author: 180 frum goal in life half-breed they often issue an automatic credit if the amount is low enough since it's more trouble for them to pursue an investigation.
you just tell them generically 'i didn't receive the services i paid for and have been unable to work it out with the merchant.' the min wage worker taking down the dispute isn't the spanish inquisition. |
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Date: June 17th, 2012 7:58 PM Author: frozen athletic conference Ironically enough, it's probably less than minimum wage.
Usually when I call these banks (especially Citi) it's an Indian dude on the other end of the line. |
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Date: June 17th, 2012 8:01 PM Author: 180 frum goal in life half-breed also, credit card companies WANT you to feel safe using your card and make the dispute process as easy as possible. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905595) |
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Date: June 17th, 2012 8:02 PM Author: frozen athletic conference that's been my impression as well (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905603) |
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Date: June 17th, 2012 7:53 PM Author: mustard principal's office antidepressant drug Gas all kikes (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905524) |
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Date: June 17th, 2012 8:00 PM Author: frozen athletic conference David Ben Gurion (the real person) is actually a hero of mine. He was known to for letting his underlings take risks, but at the same time, told them that if they ever lied to him, he would destroy them. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905584) |
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Date: June 17th, 2012 7:56 PM Author: razzle-dazzle stage enjoy FBI knocking on your door. (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20905545) |
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Date: June 18th, 2012 5:21 PM Author: frozen athletic conference yes (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20910601) |