有何书籍系统地讲解玩卡的知识吗?

自己推导 :troll:
Creating an axiomatic system for churning credit cards involves establishing fundamental principles and rules that govern the practice of maximizing credit card rewards through strategic opening and closing of accounts. Here’s a basic axiomatic framework for credit card churning:

Axiom 1: Utility Maximization

  • The primary goal of credit card churning is to maximize the utility derived from credit card rewards, bonuses, and benefits.

Axiom 2: Responsible Financial Management

  • Credit card churning should be conducted responsibly, adhering to all financial obligations and avoiding behaviors that may lead to debt or financial instability.

Axiom 3: Knowledge and Research

  • Success in credit card churning requires knowledge of credit card offerings, rewards programs, terms, and conditions.
  • Axiomatically, one must invest time and effort into researching and understanding the intricacies of various credit cards and their associated benefits.

Axiom 4: Credit Score Awareness

  • Credit card churning should be conducted with awareness of its potential impact on credit scores.
  • Axiomatically, one must consider factors such as credit utilization, credit inquiries, and account age when engaging in churning activities.

Axiom 5: Strategic Timing

  • Timing is crucial in credit card churning.
  • Axiomatically, one should strategically open and close credit card accounts to maximize sign-up bonuses, rewards, and benefits.

Axiom 6: Risk Management

  • Credit card churning involves inherent risks, including potential fees, penalties, and impacts on credit scores.
  • Axiomatically, one must assess and manage these risks to minimize negative consequences and optimize rewards.

Axiom 7: Record-Keeping and Organization

  • Effective credit card churning requires meticulous record-keeping and organization to track account openings, closures, rewards earned, and deadlines for meeting spending requirements.
  • Axiomatically, one must maintain detailed records and systems to manage churning activities efficiently.

Axiom 8: Ethics and Integrity

  • Credit card churning should be conducted ethically and with integrity, respecting the terms and conditions set forth by credit card issuers.
  • Axiomatically, one should avoid fraudulent or deceptive practices and uphold honesty and transparency in all dealings with credit card companies.

Axiom 9: Continuous Learning and Adaptation

  • The landscape of credit card offerings and rewards programs is dynamic, requiring continuous learning and adaptation.
  • Axiomatically, one should stay informed about changes in the credit card market and adjust churning strategies accordingly to maintain effectiveness.

This axiomatic system provides a foundational framework for engaging in credit card churning, emphasizing responsible behavior, strategic decision-making, and ethical conduct. Adhering to these principles can help individuals navigate the complexities of credit card churning while maximizing rewards and minimizing risks.

1 个赞

这个好!厉害了!

本地部署llm把整个论坛塞进去

如果是全部内容,会太杂太重复。希望哪位大神用GPT总结一下。

这是你自己总结的?英文能力了不得呀。

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有的

u1s1

这玩意要是有系统性书籍,要么书籍过时了,要么Amex倒闭了…

玩卡也得有教科书,要不没法做题?

1000024410
您要找的是不是:

没事,绝大多数的人不看书的。看了也不能真正去follow书上的系统。上世纪60年代,有人写了一本《Beat the dealer》的书,教大家算牌在Vegas赢钱。赌场开头很紧张,怕大家都成了gamer。但很快,赌场开始推这本书,因为赌场发现,这本书让更多的人以为自己可以算赢赌场,本来不去赌场的人,现在也去玩了,而几乎没有人能真正地being diciplined enough去按书上算牌。

信用卡也一样,如果有更多的信用卡用户用一知半解的知识都像泥潭大佬们整天撸羊毛,争取负有效年费,那么多一个成功撸银行的大佬,就会有十个,百个的人Over Spend,被银行反撸。Amex做梦都会笑醒。

Common sense is not common, 我其实挺不明白有些博文吹一些卡吃饭返现4%,但其实每次吃餐厅,税来个8%~10%,小费再on top加加个20%,那4%的返现变成ridiculous了。那4%的饼是否激励了更多的人,包括你我他,dine out more?

我自己是清楚地知道我用信用卡,玩信用卡以后花钱方面是倾向over spend的。但,我自己的原本消费习惯是倾于节省的,这个信用卡羊毛还有原先我不用的perks让我花钱起来痛苦更少,使得我自己找到了个更好的平衡,即,比原先花得多,享受到一些更高质量的服务,但同时也不为额外的花费而痛苦,所以我觉得信用卡让我多花钱和我自小的少花钱的习惯还是达到了个微妙的平衡。所以,至少,信用卡公司在我这儿通过reframing花钱买更好的享受这个过程,如希尔顿Aspire卡带的钻石会籍还有FN,让我原本倾向于节省的人更心甘情愿地花更多钱去享受更好的服务/产品,还是挺成功的。

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信用卡这么简单,只需要半天时间读读各种博客就能了解基本思路的东西,属实看不出有什么看书的必要

换句话说,如果这也需要一本书来教,也许是因为搜寻信息的能力太弱了。这些东西坛友要是愿意几天时间就能写一本出来。技术含量还不如

1 个赞

Amex coupon book的思路好像就是你说的这种。

我倒是觉得没那么简单,比如说其中的Psychology, Dave Ramsey就讲了好多年,用信用卡时人的思考方式与用现金时是不一样的。

又如,各卡里带的车险,仔细研究一下,细节里尽是魔鬼。

再如,各个酒店卡的Sweet Spot在哪?

还有,有了各种tifecta,那国际旅行时呢,有无适合国际旅行时的组合?有没有适合expat的组合。

还有,PPS信哪家好?全美,全世界有哪些特别值得去的lounge,and Why?如何不用lounge buddy也心中有个大概?

还有各种Conflicting的情况,如我要买一个新的laptop,是应开个新卡刷新卡赚sub,还是应刷一张已有的有优异的extended warranty的卡,如citi premier (原厂不超3年还是5年的warranty上再加2年)?

还有,有一堆卡时,何时该用什么卡,有没有什么Rule of thumb?要知道,都有像MaxReward这样的付费APP出来了,来管理羊毛的机会。

还有,有Costco的会员卡后真需要办张Citi Costco的信用卡吗,还是说有别的先年费visa卡各方面碾压costco卡?加拿大的Costco不收visa收MC?还有哪些outliers?

等等,等等,所以,我不觉得一个普通人半天就能找到这些知识并消化。那些信用卡terms的fine prints得读好多遍,还要多方DP验证才可使用得恰如其当。

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是的,所以我本人是hate coupon book的。有那时间,还不如多花点心事搞自己有本行来钱快。

不仅仅是只要做题,是要轻松得高分,哈哈。

当黑客…

这个一劳永逸,有钱了就不用撸小羊了。

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免费版Chatgpt :troll:

可以的。