Credits cards: good or bad?
>>58697169Credit: badDebit visa with crypto cashback: kino
>>58697169It depends: Are you a retard with no self control, or are you a responsible person who knows when to use a tool for a specific purpose?
>>58697169Good. It helps your build your good boy score so that you can get a better loan on a house/car. Not to mention travel perks and 5% cash back is nice too, plus theres a load of other benefits. I don't see the point in having a debit card other than using an atm
>>58697181>>58697182They are good if not GREAT if you are not an absolute retard. You pay it off, take advantage of the cash back. Free money for people who get rid of the balance before interest kicks in.
>>58697191Ok true but I don't spend a lot and I don't have a great card (my 5% cash back is in rotating categories that change every 3 months so sometimes i never even get the benefits) They can be great but I haven't gotten the most out of it yet.
>>58697202For me I get the ones with deals that are like "spend $500 in 3 months and get $200 cash back" but I buy shit that I'd buy regardless.
>>58697206I see. I'm still on my starter card that I've had since college and I've had it for 3 years so I'll eventually start looking at new cards. Any recommendations (I don't care about travel perks yet)
>>58697223I just got ones recommended to me by apps like creditkarma etc. They'll recommend you cards and say what the deals are, for example, 15 months 0% interest and some welcome bonus that's like spend $500 in 3 months get $200 cash back (free money basically).
>>58697169Great. I pay at least 3% less for everything with credit cards.
>>58697169good
