justin gibson

[justin gibson @theonlyjg]

@Protentialmn @VictoriaL_64 Go see an osteopath if you don’t get better, by far the best decision I’ve ever made.

[justin gibson @theonlyjg]

@RobKuhn_ @ACR_POKER ACR: WishMeLuck

[Rob Kuhn @RobKuhn_]

The HIGH FIVE series starts tomorrow and the schedule is LOADED

So let's celebrate with a giveaway

10 $22 tickets

To qualify simply like/share/be following

[justin gibson @theonlyjg]

@RobKuhn_ WishMeLuck

[hunter @hxxntrr]

Met a girl in Austin who owes $200K on credit cards and hasn't paid a single dollar of interest in over 5 years…

Thought she was full of shit

She pulled up a color-coded Google Sheet and walked me through it. The math actually checks out. She might be the smartest person I've ever met or the most reckless. Probably both

She's been cycling balance transfers across banks in a loop that never ends

The play is stupid simple once you see it:

She takes $200K in 0% APR business cards. Uses the money for her real estate business. Month 10, before the 0% promo expires, she applies for a new round of 0% cards at different banks.

Gets approved (because her score is 760+ since business cards don't report to personal credit).

Does a balance transfer from the old cards to the new ones. 0% clock resets for another 12-18 months

Old cards go to $0 balance. New cards hold the $200K. She hasn't paid a penny in interest

"But you can't balance transfer business cards"

Some banks allow it directly. For the ones that don't, she uses a
workaround. She liquidates the new 0% cards into cash (2-3% fee through a payment processor), then uses that cash to pay off the old cards manually.

Same result.

Costs her about $4K-$6K per cycle which she treats as a business expense

She's been doing this for 5 years straight. That's roughly $25K in total fees to maintain access to $200K in perpetual 0% capital

The interest on $200K at normal business loan rates (8-12%) would be $16K-$24K per year. She's paying $5K per year instead. Over 5 years that's roughly $75K-$95K in interest she just didn't pay

The spreadsheet tracks every card, every promo expiration date, every bank, every cycle. She has it planned out 18 months in advance. She knows exactly when to apply at which bank and in what order
"Won't the banks figure out the pattern?"

Some already have. Amex denied her last cycle. So she shifted to Navy Federal and US Bank which she says are less aggressive about detecting balance transfer cycling. Capital One still approves her every time

She told me "banks offer 0% promos because they're betting you'll forget to pay before interest kicks in. I just never forget"

The 2-3% fee per cycle is her rent for $200K in free money. She called it "the cheapest loan on earth that technically isn't a loan"

5 years. Zero interest. $200K in perpetual capital

I checked the math twice. It works

[justin gibson @theonlyjg]

@MAGACult2 Way to show the world that you are a giant pussy!

[justin gibson @theonlyjg]

@redpillb0t Unless you lived in a lead lined cave for the last five years, you have the vax in you , even if it’s a small amount

[justin gibson @theonlyjg]

@SeeRacists End all communication during online gaming, problem solved.

[justin gibson @theonlyjg]

@EricLDaugh This reet bitch has no idea what she’s talking about

[justin gibson @theonlyjg]

@MrPitbull07 Couldn’t agree more, what an ungrateful response. worry about you and yours, period.

[justin gibson @theonlyjg]

@SouthDallasFood Firehouse

[justin gibson @theonlyjg]

@UltraDane Skin and hang him when he gets out

[justin gibson @theonlyjg]

@DeanTTraining lol, this is NOT a healthy source of Protein

[justin gibson @theonlyjg]

@elonmuskTN 19

[justin gibson @theonlyjg]

@FarazJaka Fold

[NRM84 @Mappy6984]

Wild asf

[justin gibson @theonlyjg]

@JemmingKristin @ShadowofEzra By far the dumbest comment, 👏🏻 congrats

[justin gibson @theonlyjg]

@ShadowofEzra 🥴

[justin gibson @theonlyjg]

@Islandlatte @madeinamerica You stupid liberal cunt

[justin gibson @theonlyjg]

@DColpoys23 @RealKidPoker You snowflake {()}