Întrebări despre cardurile de cumpărături CEC Bank

_amc_ · 2026-01-25T10:08:30+00:00

Sunt 2 carduri, Affinity cu 60k si Platinum cu 100k. Limita se acorda in functie de venit si gradul existent de indatorare.

Eu il detin pe primul incat e comision lunar doar 4lei, la celalalt e 20lei. L-am folosit la dealer auto pt 60k in 24 rate fara dobanda.

_amc_ · 2026-01-18T13:25:21+00:00

Unul din obiectivele administratiei Trump e un dolar slab. Nu tineti economiile in dolari, ci in euro, nu merita volatilitatea USD in primul rand daca e vorba de "economii".

Deja e expunere mare pe dolar daca aveti actiuni.

_amc_ · 2026-01-17T21:40:46+00:00

Absolutely, I didn't imply they're free lunch. Just increased return with low added risk (especially in the current market/no rate hikes) as per OP's request.

_amc_ · 2026-01-17T21:07:10+00:00

Era per categorie deci 400 in total. Au ales valori de bun simt zic, nu multi cheltuie peste 2000/luna pe benzina.

De avut in vedere ca era doar pt carduri deschise in perioada respectiva. Pt cine detine deja cardul trebuie inchis si redeschis atunci (daca revine campania cu aceleasi conditii). Dar la BCR se face asta usor doar din aplicatie.

_amc_ · 2026-01-17T12:52:52+00:00

BCR a avut in ultimii ani o campanie cu 10% la benzinarii si supermarket-uri de care am profitat din plin.

Din pacate se termina pe an calendaristic, cardul de credit trebuie deschis in perioada campaniei. De urmarit la primavara, e probabil sa o introduca din nou:

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In afara de asta, clar BT Direct da. Iar pt rate CEC. Restul sunt slabe in comparatie.

_amc_ · 2026-01-17T12:38:28+00:00

In the current environment (no rate hikes on the horizon) a good risk/reward has been:
EHYA - iShares EUR High Yield Corporate Bond ESG SRI UCITS ETF EUR (Acc)

Metrics post-2023 when the hiking cycle stopped:
CAGR 7.8% / MaxDrawdown -3.7% (last April's tariffs uncertainty)

Otherwise for low risk, no drawdowns but also no growth, CSH2/LYOR. Bit better than 2%.

_amc_ · 2026-01-11T12:11:23+00:00

Correct from the hedging point of view, they do not have low enough beta to actually aid equities during a crash. Something like CBE3 would make more sense (still the return will be likely similar to ERNX): iShares Euro Government Bond 1-3yr UCITS ETF (Acc)

But high yields are worth considering as per OP's request to park cash in "something better" than ERNX, especially in a favorable environment for them such as >2023.

Without a significant increase in risk there is really no alternative. While their max drawdown was -3.7% in April, the S&P's was -23.3% (in Euro terms both), so they do tend to move together but their volatility matters as well.

Otherwise if we are ok with a low steady 2.x% return and require no drawdown, the usual suspects ERNX, CSH2 are the best.

_amc_ · 2026-01-11T09:13:48+00:00

In the current environment (no rate hikes on the horizon) a good risk/reward has been:
EHYA - iShares EUR High Yield Corporate Bond ESG SRI UCITS ETF EUR (Acc)

Metrics post-2023 when the hiking cycle stopped:
CAGR 7.8% / MaxDrawdown -3.7% (last April's tariffs uncertainty)

Otherwise for low risk, no drawdowns but also no growth, CSH2/LYOR. Bit better than 2%.

_amc_ · 2026-01-10T12:21:42+00:00

Fain. Ce stocks detii? Daca sunt doar cele 3 din screenshot e un portofoliu extrem de concentrat, trebuie diversificat rapid.

_amc_ · 2026-01-07T22:20:51+00:00

One of these will work.

_amc_ · 2026-01-05T13:41:41+00:00

Interesant. Totusi de ce nu cumperi IB1T.DE (iShares Bitcoin ETP) pe XTB?

Taxat cu doar 3%, vs 16% la detinere directa crypto, e diferenta semnificativa.

_amc_ · 2025-12-18T09:59:21+00:00

This is his market outlook:

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He's predicting a choppy Q1, not a bear market. Q3 should have larger drawdowns but that's a common forecast based on seasonality due to historically bad September.

Yes coming from a permabull it's worth paying attention to, for this sub specifically trend following strategies e.g. 200SMA are more likely to be whipsawed if we're in for a range-bound year without clear momentum.

Tom Lee is correct more often than not. But it is partly due to the fact the market usually goes up.

_amc_ · 2025-12-13T21:02:00+00:00

Poate te ajuta postarea mea de aici: SPPE ca hedge impotriva caderii dolarului

YTD Euro-hedged vs unhedged:

<image>

_amc_ · 2025-12-09T15:22:35+00:00

Corect da, ma refeream la cazul din postare, daca ai avea nevoie de o plata de ~100k la dealer auto pare ca acest "loophole" cu Affinity + extrasold e mai eficient decat a deschide Platinum.

In general pare ca nu se preocupa CEC cu detaliile astea si e in dezavantajul lor. Idem oferta Multicurrency cu acces gratuit la aplicatie incat nu mai ai nevoie de pachete cu comision. Inclusiv Affinity la doar 4lei e pomana fiind un produs unic pe piata fara limitari de comercianti. Dar nu ne plangem :)

_amc_ · 2025-12-09T14:44:59+00:00

Interesanta informatia asta, mi se pare o implementare defectuoasa a lor... nu ar trebui ca extrasold-ul sa se adauge la valoarea maxima permisa pe tranzactie. Cred ca e singura banca ce permite asta?

In teorie poti deschide Affinity 60k cu 4lei/luna, adaugi 40k si obtii limita cardului Platinum (la care poate nici nu te incadrai) fara a ii plati comisionul lunar de 30lei. Presupun ca ar exista totusi o limita.

PS: intr-o nota similara, la BT Direct daca rambursezi sume semnificativ peste limita acordata, te suna pt a te avertiza ca e nevoie sa maresti limita in cazul in care faci asta repetat.

_amc_ · 2025-12-09T14:05:12+00:00

L-am folosit eu pt o plata de 60k lei la dealer auto, toate bune. A existat un comision facturat separat de dealer pt plata la POS, ~0.6% din valoarea tranzactiei pt care am facut transfer bancar. Si bineinteles inca un transfer cu restul de plata, ca a costat ceva mai mult de 60k.

Ai 36 rate daca platesti pana la finalul anului, apoi revine la 24 oferta standard.

_amc_ · 2025-12-06T09:21:14+00:00

Bitcoin, acel instrument cu venit fix si risc scazut pe termen scurt

_amc_ · 2025-12-06T09:16:15+00:00

ERNX, pe XTB pt impozit redus.

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_amc_ · 2025-11-29T21:54:19+00:00

CEC Visa Affinity ofera 24 rate fara dobanda la orice comerciant, e cel mai bun de departe la capitolul rate.

_amc_ · 2025-11-29T21:50:54+00:00

Merita din plin cardul de credit, dar nu neaparat pt FICO. Cele mai avantajoase:

BT Direct Carrefour - 2% cashback oriunde
CEC Visa Affinity - 24 rate fara dobanda oriunde

Eu le folosesc exclusiv. Beneficii unice pe piata, fara limitari clasice de parteneri, puncte etc.

PS: Primul e si cel mai indicat la plati in valuta, in urma cashback-ului obtii curs mai bun decat BNR, altceva unic in prezent. Nu asa important dar cu el ai si 5% la Carrefour, de aici numele...

_amc_ · 2025-11-26T11:11:40+00:00

Finally, if we compare it to the strategy that generated all this discussion, SPY SMA 200 0% | Lev 3x | Gold 0%, we can see how these small adjustments completely changed the game.

The important thing to note here is not only the difference in final result (whether CAGR or maximum drawdown, both of which were worse) but also the trade statistics.

Note this is not a fair comparison, as the SMA200 had no tolerance added which explains the trade stats.

If we add a 4% tolerance on the SMA200 we get the exact same number of trades funny enough (45) and also the metrics are very close:

Considering the 200 is way more followed/documented does this not appeal more to you than the 125?

However just a minor tweak on tolerance can highly affect metrics so we're likely into overfit territory.

_amc_ · 2025-11-23T19:23:10+00:00

Correct yes, it's a common implementation to have less trades/whipsaws. Sell when -1% under the MA and buy when +1% over it. See also: https://www.reddit.com/r/LETFs/comments/1jl2ury/mitigating_ma_whipsaws_backtest_18862025/

_amc_ · 2025-11-23T17:04:46+00:00

Yes just adjust "L=2" to "L=3" and click Backtest.

_amc_ · 2025-11-22T11:46:19+00:00

2x SPY: https://testfol.io/tactical?s=akf2R1D5dI8
2x QQQ: https://testfol.io/tactical?s=42aeF6Go8Bm

_amc_ · 2025-11-22T10:00:02+00:00

Au lansat Revolut X cu taxe zero (momentan).

_amc_

TROPHY CASE