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King, Queen, and Jack – The Pains and Gains in Rummy




In rummy, out of all the cards, the high point cards such as Queen (Q), King (K), Jack (J), are the most debated ones. This is because of the benefits and disadvantages of the cards. These cards carry maximum points individually, thus substantially raising the points of the whole hand. Below, we have mentioned how K, Q, and J help you to play rummy, and the times when you need to discard these.

  1. Possible Sequences and Sets with K, Q, and J

When you play rummy online, you may want to usually let go of high point cards as soon as possible. High point cards are the printed cards such as the King, Queen, and Jack. These carry 10 points each. But, if these are used to make pure sequences, then the cards together carry zero points. So you can concentrate on making pure sequences with K, Q, and J of any suit. You can add either 10 or Ace to these three cards to make a sequence of four cards in total.

  1. King, Queen, or Jack as a Joker Card

If you get any of these High point cards in a rummy card game, as a Joker card, then use it as a wild card. Replace any missing card in a sequence or a set with these. However, avoid using it in pure sequences, because then it acts like any regular card, and loses its importance as a special card. A Joker card should not be used to make pure sequences as well.

  1. Advantages of High Point Cards

If high point cards such as K, Q, J, come into use of making pure sequences, then these are an advantage. But other than that, the cards can be used to confuse opponents. For instance, you have discarded Jack of Heart. It may prompt the player to discard Queen of Heart. While you may not intend to form a sequence, perhaps, you are looking for a Queen of any suit to go with the set of Queens.

  1. Disadvantages of High Point Cards

Those who play rummy online for cash want to keep minimum points in hand, and make a valid declare as soon as possible So, they will discard the Kings, Queens, Jacks the soonest. The greater number of high point cards, more eager a person would be to get rid of those as soon as possible. Doing so may take up quite a few numbers of moves, and that becomes a disadvantage.

  1. When to Retain or Discard K, Q, and J?

You may retain K, Q, and J when you play rummy online real money, if you have an excellent hand. Probably, you make a pure sequence at very start of the game. In this case, you can risk carrying the high point cards for a longer time, hoping for better or related cards. But, if not, then start discarding those as soon as possible or the total points and cost of hand will also shoot up.

  1. Play Tricks Using King, Queen, and Jack

The high point cards can be used to play tricks in rummy online free and cash games. People think the purpose of discarding King, Queen, and Jack is to clear off high point cards. But perhaps you discarded one of these cards as a bait to get a suitable card for a sequence. For instance, you have Ace, Queen, and Jack of Spade. You discard Ace of Spade, and perhaps the opponent then discards King of Spade.

  1. Avoid Traps Set by Opponents

Like the above-mentioned trick in online rummy, you have to avoid many more such tricks wherein opponents use the Queens, Kings, and Jacks. One way to do is to keep an eye on players and noticing every move of all the players involved on the table, especially the immediate rival. This will allow you to get an idea about the cards in the hand of the opponent, and act accordingly.

In Conclusion

Whether you play rummy online free or for money, high point cards will always have an importance in the game. These have their pros and cons. You must understand the use of these cards well, so that you can use these wisely when need arises.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That




Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®

What’s Keeping Millennials From Accessing Credit?

The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.

Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.

The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:

  1. Payment history
  2. Amount owed
  3. Length of credit history
  4. Credit mix
  5. Hard credit inquiries

You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.

The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.

The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.

Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.

It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.

How Credit Bureau 2.0 Fixes Those Problems

Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.

Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.

The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.

Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”

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