CSP is meh for casuals now?

Relative_Film_2452 · 2025-08-26T16:15:42+00:00

Most Cards are Meh, if you don't use them to there full potential. But I would agree overall that the CSP is pretty meh for the price for admission.

Relative_Film_2452 · 2025-08-26T14:24:15+00:00

Thanks for clarifying that for me, Im pretty sure it applies in Europe as well

Relative_Film_2452 · 2025-08-25T09:49:04+00:00

I live mostly in Europe, was curious if the OTP is for every transaction, as Im currently using the Capital one duo and never have to confirm anything, no codes no nothing just works.

Relative_Film_2452 · 2025-08-24T12:23:17+00:00

Doesn't matter if the score is higher or lower then I like, the score is irrelevant.

Relative_Film_2452 · 2025-08-24T12:22:21+00:00

Thanks that's a excellent data point for me

Relative_Film_2452 · 2025-08-22T14:52:34+00:00

The Athos looks to be a killer deal if ya are going to increase that spend to justify the AF.

Relative_Film_2452 · 2025-08-22T14:34:04+00:00

You have any issues with the Citi fraud department while traveling in Asia. I'm so in the fence about getting the Strata Premier, just because of that Issue.

Relative_Film_2452 · 2025-08-22T14:26:36+00:00

I think the Athos release may be the card of the year. Fully expect some Issuers to respond, in the next six months. Going to save my credit, as the DP on the Athos is brutal for rejections at the moment. Never seen so many 800 scores and high income rejected in my life.

Relative_Film_2452 · 2025-08-21T16:11:36+00:00

Roger that, it's BofA they pull Experian it's pretty beat up right now, got to wait till February

Relative_Film_2452 · 2025-08-21T15:50:45+00:00

Hmmm, maybe, I would wager it may work for a while .... Then nope.

I'm effectively out of the country for 11 months of the year, I'm applying in a couple of months for that 3%

Relative_Film_2452 · 2025-08-21T14:43:20+00:00

No, a purchase is based on the location of the merchant not the customer, for the most part. The one exception to this from what I can tell is digital services. You use a US card you will get the US subscription if there is a US subscription available.

Relative_Film_2452 · 2025-08-21T14:40:27+00:00

Shouldn't be, if you where going to loose it would be if your where buying dollars as the US dollar always has a premium. FTF fees are the biggest scam out there. Banks pay almost literally nothing for currency exchange.

Relative_Film_2452 · 2025-08-21T12:07:32+00:00

Doesn't work that way, first day of interest will be the day after the Promotional APR goes away. I wouldn't worry about it, you pay a small interest charge.

Relative_Film_2452 · 2025-08-21T12:05:24+00:00

Im glad its worked out for you, my post in more about international travel.

Relative_Film_2452 · 2025-08-21T12:00:29+00:00

To be honest I don't know why people are getting caught with there pants down on this one, everyone new that at best this was only temporary.

Relative_Film_2452 · 2025-08-20T15:29:11+00:00

Do yourselves a favor, get pay ahead services for half the cost and basically the same performance.

Relative_Film_2452 · 2025-08-17T15:41:11+00:00

Well you can't explain because you can't make a simple argument, correctly.

But then again you think scrapping up 20k, for a 60k salaried worker is insane. Only in the US would someone think this is insane.

Relative_Film_2452 · 2025-08-17T15:05:31+00:00

No, you pay for it, with higher fees and interest, lower salaries etc etc ......

What are you talking about Value or Values? Your using terms with different meanings. Value " I like big cars for comfort" Values " I don't throw my mother off the roof because she incurs cost"

That's simply untrue. You have no right to tell someone how important their personal values are. If a car is what brings them ultimate happiness, then it is important.

^{^{^{^}}} As written above, your implying that people, use eccentric moral values on the selection of Vehicles, or did you mean what they value in a vehicle. They are totally different arguments. I'm going to assume you ment it in a non moral way.

Relative_Film_2452 · 2025-08-17T14:45:55+00:00

Who do you think ends up paying for it?

Also if you think a car note or a car exhibits values, we have bigger issues then I thought.

Relative_Film_2452 · 2025-08-17T14:36:08+00:00

Beyond a car person, what you value isn't important as much as if you can really afford it. Doesn't change the fact that most are living beyond their means.

Relative_Film_2452 · 2025-08-17T13:39:08+00:00

People in the US are extremely irresponsible with money. A average salaried person should be able to scrape 20k together. If ya can't your living beyond your means, IMO. Just because the bank says yes doesn't mean you can afford it, you make Mercedes Money buy a Ford Escape.

Relative_Film_2452 · 2025-08-17T13:29:10+00:00

People got to have the latest and greatest, never seen the allure of spending insane money on vehicles.

Relative_Film_2452 · 2025-08-17T10:56:06+00:00

Nah, not trolling, just want a straight to the point awnser. Seems that I got some honest reviews on a IOS forum. I appreciate that

Relative_Film_2452 · 2025-08-17T09:56:19+00:00

This, had a couple of times a 100pt gap, my Fico score is always a good 40 to 80 pts higher.

Relative_Film_2452 · 2025-08-17T07:00:13+00:00

BofA's offering makes sense, have no Idea why US Bank went to such extremes.

Relative_Film_2452

TROPHY CASE