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I am this cheap - Credited?
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Date: June 17th, 2012 7:37 PM Author: slate anal ticket booth 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: Sticky Organic Girlfriend 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: ruby stimulating national dragon 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: supple ladyboy ceo 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: walnut razzmatazz hall puppy 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: ruby stimulating national dragon 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: 180 deer antler 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: walnut razzmatazz hall puppy 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: ruby stimulating national dragon 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: Sticky Organic Girlfriend 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: walnut razzmatazz hall puppy 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: walnut razzmatazz hall puppy 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: Know-it-all Friendly Grandma Location 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: bossy chest-beating dopamine plaza 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: slate anal ticket booth 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: Sticky Organic Girlfriend 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: walnut razzmatazz hall puppy 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: Soul-stirring hilarious incel mad-dog skullcap 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: bossy chest-beating dopamine plaza 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: Sticky Organic Girlfriend 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: ruby stimulating national dragon 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: Sticky Organic Girlfriend 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: Saffron Abode Reading Party 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: 180 deer antler 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: slate anal ticket booth 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: walnut razzmatazz hall puppy 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: walnut razzmatazz hall puppy 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: 180 deer antler 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: Sticky Organic Girlfriend 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: walnut razzmatazz hall puppy 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: slate anal ticket booth 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: walnut razzmatazz hall puppy 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: slate anal ticket booth 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: ruby stimulating national dragon 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: slate anal ticket booth 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: Saffron Abode Reading Party 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: slate anal ticket booth yes (http://www.autoadmit.com/thread.php?thread_id=1972873&forum_id=2#20910601) |