Credit cards are something that sounds too good to be true Like wtf do you mean you'll give me 2% of everything I spend back and give me points while I improve my credit score. And all I have to do is pay you back in time after using your money with 0% interest? Thank God that the goycattle are abundant and can subsidize this for me, if it weren't for mindless retards putting themselves in tremendous debt with credit cards, issuers wouldn't bother giving us benefits for using them
>>61826618You realize a majority of people do not pay their shit on time and pay interest on top of that. So they know at the end of the day they’re making money. Obviously if you’re a responsible person spending lots of money and always paying it on time you get lots of points and money back and even THEN they don’t lose much money because it cost me a yearly fee of $1000 for my credit card and I receive a total of $1050 back in cashback, points and AirMiles. It’s a total Goy scam due to goy behavioural patterns and the Jews know this
>>61826618you're retarded. the 2% is a bribe so you'll use their product, with enough users this forces merchants to accept them as a payment processor. they then charge merchants ludicrous fees on every transaction.
>>61826631based illterate retarfddddddd BARF
>>61826618I don't understand the point of having a credit card. If I have the money to afford something then I have no reason to borrow money, and if I don't have the money to afford it then I shouldn't be buying it.
>>61826636hey retard, the merchants just increase their prices to compensate. so you aren't actually making any money. it's a shell game swindle and only the credit card companies benefit. it shouldn't even be legal
>>61826631>>61826629you both got it wrong.The reason they give you these cash back rewards is because, even if you're responsible and always pay back on time, they still make money by selling off your buying habit data to third party advertisers who will target you with more specific ads.Nothing is free in this world. You're getting paid for a percentage of what the credit card company gets paid by advertisers.
>>61826618>trusting kike bankersoh no no no
>>61826660What if the 3 of us are right? I mean they’re all legitimate arguments. Maybe your argument holds more weight
>>61826675actually you're right. It's literally all three.I was just trying to look cool in front of you.
>>61826678All 5 of you are wrong.
>>61826640Cash back rewards are great if you're not a retard and don't let interest kick in.
>>61826629He knows that. That's why he said thank God for the dummies.>>61826660I don't care at all if someone is selling the info about what kind of things I buy.OP is right. Credit cards are cool (as long as you pay the monthly bill on time, which is easy).
Female goycattle literally can't help themselves but go into credit card debt.
>>61826629>>61826631Yea like I said, just don't be a retarded niggercattle who overspends and has to pay 29% APR because they just couldn't wait for the newest iPhone Also fuck business owners, they're all kikes or cryptokikes, I cannot care less if using a credit card hurts them. >>61826640>Cash back>Build credit >Points >Chargeback If you're able to actually spend money reasonably then it's quite literally free money. I don't even care to check the APR of cards I get because my IQ is more than 95 and I know not to spend money I don't have >>61826660Wow I sure am glad that my bank isn't able to see my transactions that I make with a debit card now wouldn't that be bad
>>61826700>he doesn't know how to pay with cash like a manngmi
>>61826700And now you get closer to the answer. The jews want to give you every chance to fall into their usury trap. If you lapse and miss a single month they will get an erection from owning you. Furthermore it traps you into their system of what money is further promulgating your goy status.
>>61826618They charge the merchant 3% of the transaction thats why they can give you 2% and still profit even if you never pay interest.Visa and Mastercard are a huge jewish scam and Europe is trying to get rid of them but America might literally nuke Europe rather than let us break free of their jewish scams.
>>61826715Oh no not jew-on-jew violence how awful!
>>61826618never had one in my life
>>61826618they charge the merchants like 3-4% every transaction they process so they end up raising their prices across the board since they frequently ban raising prices only for credit card users. So your cashback is basically a partial rebate on the higher prices you pay for them to accept credit cards. It's one of those tragedy of the commons situations, every person using a credit card to get cash back actually contributes to higher prices despite the cash back.
>>61826629>because it cost me a yearly fee of $1000 for my credit cardngmi
>>61826618I get 2% on everything and 3% on hotels and tickets for travel. Helps a lot because I travel so much for my job
>>61826629>a majority of people do not pay their shit on timeWrong
CC companies charge merchants 3% per transaction. So they give you 1.5% back for using it.It really is a no brainer to use it as your daily driver card. Insulates you from fraud risk with 0 cost.
Don’t Americans use debit cards ever?
I haven't paid for a flight in years because I utilize my card's points system. Also, if you can meet the spend requirement, sign on bonuses for some cards end up being worth around $600-800. I've heard buyer/fraud protection is much better for credit purchases too
>>61826660>even if you're responsible and always pay back on time, they still make money by selling off your buying habit data to third party advertisers who will target you with more specific adsThat's such a small percentage of revenue for card companies.>>61826631That kind of is part of this. A lot of more premium cards like Amex or Visa infinite or Masrercards world elite cards charge merchants more than regular cards but as wealthier clients tend to have those cards with higher credit limits they get away with it. That's a couple basis points.>>61826629This is the bulk of it.Chance you pay fees (potentially huge payout)+ fees the merchants pay (generally like 1.8-2.5% through a big commercial processor) justifies 2%+ rewards.
>>61826618It’s subsidized by interchange fees.
haha hell yeah i have over 100k in credit card debtwhen the fuck is trump gonna give me what i voted for?
I hate credit cards even though I use one. I hate all fake and gay "money companies". Banks, insurance, credit cards, etc. They exist only to leech off people and the "service" they provide is for a problem they made up.Get a credit card and pay it off monthly, least shitty way to do it.
