Will credit cards ever be a viable option for people who aren't debt slaves ever again? All new cards are 20% - 40% APR which is just goy rape.
>>62230525Inflation favors the debtor
>>62230525does apr even matter if you pay the balance off every month?
>>62230582This. I've never paid a single cent in interest. I honestly found it shocking to realize most people don't just pay the full balance every single month. I'd say people who don't pay the bill in full each month shouldn't use credit cards, but they fund my reward points and I've got a free round trip business class flight to Germany in September thanks to them so yeah have at it.
>>62230525Just used it like a debit card and only spend money you have, pay it off right away and enjoy the 5% etc cash back
>>62230546>>62232645this.anyone whos too scared of debt to get a fucking credit card should be euthanized financially.
i dont think you understand how credit cards work senpai
I pay off my balance in full every month but also to everyone here be careful of something called "residual interest" - apparently if you don't pay your full balance within the first day of so of your monthly balance due being posted, it'll sneakily accrue interest each day and add to your (NEXT) month's balance, and the added interest won't even show up in your expenses report.There, saved y'all maybe $10-$100 monthly you can use on food or something, I don't know how much you spend each month on credit cards.
