Viv

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[Viv @offviv]

@hxxntrr Glitch

[hunter @hxxntrr]

banks accidentally created an infinite money glitch and only 12 people know about it lmao

they get $100k at 0% apr
turn it into 1m+ points
fly first class forever
pay back the $100k
keep $20k in free travel

fuck it, i'm burning this whole thing down:

here's what nobody understands about credit cards:

banks lose money on smart mfs like us
they make billions on idiots paying 24% apr

for every 1 of us gaming the system
there's 1,000 wage slaves paying minimums

we're a rounding error they ignore
so the loophole stays wide open

here's the actual fucking play:

step 1: get $100k in business credit at 0%
(takes 60 days if you're not ngmi)

step 2: manufacture spend

this is where shit gets beautiful

you're not SPENDING $100k
you're CYCLING $100k

watch this:

buy $10k visa gift cards → earn 10k points
liquidate gift cards to money orders
deposit that shit
pay off the card same day
repeat 10x
(may or may not be illegal)

$100k "spent"
100k points earned
$0 actual cost

but that's kindergarten shit

the real degenerates know about multipliers:

amex gold: 4x at grocery stores
buy gift cards at whole foods
$10k = 40k points

chase ink: 5x at office stores
buy gift cards at staples
$10k = 50k points

stack 10 cards with bonuses
$100k cycled = 500k points easy

then the signup bonuses hit:

amex platinum: 150k points for joining
chase sapphire: 100k points
capital one: 100k points

20 cards deep = 2 million points
just for breathing

total haul from $100k float:
- manufactured points: 500k
- signup bonuses: 2m
- total: 2.5 million points

let me translate that to english:

singapore airlines first class: 100k points (worth $15k)
emirates first class to dubai: 150k points (worth $8k)
park hyatt tokyo: 30k/night (worth $2k)
four seasons maui: 50k/night (worth $3k)

that's $50-75k in luxury travel
from money that wasn't even yours
at zero percent interest
in 90 fucking days

"but hunter how do you pay it back?"

lmfaoooo this is the best part

month 1-12: pay minimums (10%/card)
month 13: balance transfer to new card
month 14-30: another 12-18 months at 0%
month 31: transfer again

infinite float
infinite points
zero dollars spent

it's so stupid it shouldn't work
but it does

the mfs already doing this:

- every influencer with a lambo (they're broke but flying first)
- fortune 500 ceos (won't snitch but you know who)
- saudi princes (they invented this shit)
- chinese students at usc (their parents taught them)
- me and my degenerate friends

we run the same play
we stay quiet about it
because if everyone knew...
game over tomorrow

but here's the thing:

banks literally can't stop it

stopping us means killing their whole system
they need transaction volume
they need point program engagement
they need us to exist

we're parasites but necessary ones
like those fish that clean sharks' teeth

"wait is this ethical?"

mf jpmorgan made $130 billion last year
from overdraft fees alone
mostly from poor people

i took $50k in travel from them
after they got $25 billion in taxpayer bailouts

tell me who's the real criminal here

real examples from last month:

homie #1:
- got $150k in business credit
- manufactured 3m points
- flew 15 family members to bali first class
- total cost: $0
- his mom cried
- worth it

homie #2:
- $80k credit line
- generated 1.5m points
- lived in park hyatts for 6 months straight
- "working remotely" (playing blackjack)
- hasn't paid for a hotel since

homie #3:
- $200k funding secured
- 4m points generated
- flies "private" (first class) monthly
- posts instagram stories to flex
- actually broke but nobody knows

me personally:

2024 travel so far:
- dubai 4x (first class emirates)
- tokyo 3x (ana first class)
- monaco for f1 (fuck yeah)
- maldives overwater villa
- antarctica (penguins are chill)

money spent: $3,847 (just taxes)
retail value: $185,000

i literally traveled more than i worked
thanks chase lmao

here's the whole fucking system:

phase 1: credit acquisition
- personal cards first (easy mode)
- business cards second (boss mode)
- 20-30 cards total minimum
- $200-500k in credit or ngmi

phase 2: point multiplication
- grocery store runs
- office depot hauls
- simon mall gift cards
- pay your rent with plastiq
- pay taxes with cards (yes really)

phase 3: the eternal cycle
- manufacture $50k monthly
- earn 200k points monthly
- pay everything same day
- repeat until death

phase 4: redemption like a boss
- only book first/business
- transfer to airlines at peak rates
- use points for flexing not economy
- never pay cash for travel ever again

why am i exposing this?

because gatekeeping is for pussies

rich kids learn this shit at prep school
poor kids learn "save 10% of your paycheck"

that's how generational wealth works
information asymmetry is the real inequality

plus honestly:

banks can't stop it anyway
99% of you won't execute
the 1% who do deserve to eat

your competition doesn't know this exists
that's literally your only advantage
fucking take it

the mindset shift required:

stop: "debt is scary"
start: "0% apr is free money you idiot"

stop: "points are nice to have"
start: "points are literally currency"

stop: "i can't afford first class"
start: "amex is buying my tickets"

once you understand this:

money isn't real (it's numbers on screens)
credit is a game (with cheat codes)
points are arbitrage (risk-free profit)
banks are your sugar daddy (not your enemy)

they're not your friend either
just a tool
like a hammer

use them to build your empire
or get hammered by the system
your choice

the move:

RT, like, and reply w/ "GLITCH" n ill dm:
- the exact card sequence that gets approved
- manufactured spend methods that won't get you banned
- point transfer partners with best ratios
- which redemptions are actually worth it
(must be following or ngmi)

or keep flying economy like a peasant
while we're drinking dom perignon at 38,000 feet
on jamie dimon's credit card

this is the real fucking game

ps - if your guru isn't teaching you this, they're using it themselves and keeping you poor on purpose. think about that.

[Viv @offviv]

@SteKelly198586 Didn't lose 4 pl games in a row after that though. And didn't lose 6 of 7 games

[Viv @offviv]

@LFC How are we struggling to score against 19th place, soon to be relegated, Leicester...mad

[Viv @offviv]

Every end to the season we drop off massively. We're just not ruthless enough. If man city hadnt had such a poor season they'd be champions. #LEILIV

[Viv @offviv]

There is literally no build up at all.
Mac Allister and Szobo are unable to create anything.

[Viv @offviv]

Liverpool have no midfield #LFC

[Viv @offviv]

@boohoo_cshelp is the return period for Christmas up until 14th Jan?
I have an item that needs returning that was ordered on Nov 30th.

[Viv @offviv]

@samxfrank I'll edit all your short form content 🤝

[Viv @offviv]

@samxfrank You need an editor for short-form content for tiktik and Instagram?

[kira 👾 @kirawontmiss]

Reminder everyday to be thankful you weren't born like this

[Viv @offviv]

@the_alex_d_ Damn that is pretty smart

[Viv @offviv]

@TrellBeyloved 108k bookmarks now lol

[Viv @offviv]

@iscmh1 How does one "clean" meta data?

[Viv @offviv]

@celestialbe1ng What was the problem with your thyroid? Overactive?

[Viv @offviv]

@PeterSchiff @Scaramucci @Nouriel @ErikVoorhees @crypto_banter @zerohedge Gold is superior to crypto.

Even if there are more gains to be made in crypto.

$btc just follows U.S equities like any stock. Too much speculation. Gold is the only true hedge against $usd

[Viv @offviv]

@AlpacaAurelius Man this is too real

[Viv @offviv]

@cb_doge So how do we escape?

[Viv @offviv]

@PeterSchiff Peter can I be your editor and edit your podcast into shorter 3-5min videos and shorts as well?

I've been watching your content for years, so I thought I would ask.

[Viv @offviv]

@PeterSchiff Love your podcasts Peter!!