>in the US of A, you'll be denied services like bank loans or critical organ transplant if you don't have excellent credit scoreAs an European, this seems dystopic and subhuman to me
>>215989167Fentanyl drug zombies literally get millions of dollars worth of surgery for free to fix their self inflicted problems bro
what the helly are people taking out loans out for except for a mortgage?
>>215989343>taxpayer money is only spent to cure too far gone zombiesEven more of a dystopia
just pay off your credit card every month, it's not hardbest advice, use credit card as a debit card, always have a good idea of how much money you have in the bank, don't think of credit cards as free money or future moneyeasy peasy lemon squeezy
>>215989383cash back, you wouldn't get it
>>215989401>just act poorIsn't this kind of a philistine attitude in the US of A?
>>215989401or... never have a credit card in the first place?
>>215989450The non pleb thing to do is to get your leverage through your home mortgage
>>215989450not act poor, be financially aware, which many poor lack>>215989472if you want to live life on a handicap, sorry but the entire financial system is built on credit rating, if america didn't have credit cards the gdp would shrink by half
>>215989552>not act poor, be financially awarepoor cope
>>215989612Approximately half of all Americans carry a credit card balance, with some recent surveys indicating that the percentage of Americans with credit card debt is around 48% to 68%. However, data varies depending on the source and survey methodology, with some reporting that nearly half of all credit cardholders carry a balance month-to-month. Percentage of cardholders: Roughly 48% to 68% of Americans carry some form of credit card debt, according to different surveys. Most common debt: Credit card debt is the most common type of debt for Americans. Average debt: In 2025, the average credit card balance was estimated to be around \(\$6,730\). Factors: Inflation and the ease of using credit cards are contributing factors to the high level of debt.rich people use credit cards but they don't have credit card debt, think about it
>>215989552>just serve your Jewish masters so the number goes up
>>215989167Part and parcel.
>>215989649Someone needs to tell americans they don't need to buy everything they see on the tv.
>>215989343someone needs to lock up these drug addicts for their own good
>>215989770all too common, instead of tv, it's leasing cars on bad loans, everything is cascading predatory relationship in america
>>215989552well it isnt like that here.
>>215989797unironically they have more access to drugs in prison than outside
>>215990042I'm not talking about just prisons, I'm referring to locking up drug addicts in rehab centres, for years if need be, until they get over their drug addictions.
>>215990072that's against personal liberties
>>215990072you cant force someone to recover from addiction. it has to be something the addict wants. The only real solution is making material conditions better so people aren't attracted to drugs but that's not what anyone really wants because that's not how capitalist society is structured. Capitalism needs a large underclass to be the prey in the economic food pyramid. these people are just human sacrifices to the almighty dollar.
>>215989167And these golems have the audacity to talk about China
>>215990164>you cant force someone to recover from addictionYou can, to some extent their brains will heal themselves if cut off from their drug, making them crave it much less. >>215990098rehab is for the drug addicts' own good.
Growing up here in Sweden I was always told to never, EVER use credit cards or buy things on credit. Both in school, by my parents and even on infomercials on tv constantly talking about the dangers of credit cards. So I've always used cash/debit cards and nothing else. It was pretty much common sense for everyone. Then some fuckhead Swedes started Klarna and it spread over Sweden like wildfire. "Buy now, pay later" absolutely raped everyone with low impulse control. Never used it myself, I refused. Then Klarna spread to other Euro countries. And then America... It was like watching the plague go from town to town. Sorry, rant over. Will never use credit cards, I have a house mortgage and that's the only loan I will ever have.
>>215990213they weren't physically addicted when they started, all you're doing in that scenario is making them dry out for a bit.
>>215989167I remember talking about this with my american friends and they thought it was the most normal thing in the world however they were also the same dudes who made memes about the chinese social credit without self awareness.
>>215990249>they weren't physically addicted when they startedYes, but a physical addiction makes them continue taking drugs, basically one bad decision dooms them for the rest of their lives.
>>215990225it's too late, society has fallen
>>215990225That's a good thing, let the poor-minded financially destroy themselves over time so only the sensible ones get to afford to reproduce
>>215990225This. I have friends who are 10k+ euro in debt from Klarna.
>>215990386wtf
>>215990370Doesn't work like that here. They max out their debt, quit their jobs, become neets and live on bux. Then they meet some other white trash person, have kids and get more bux because of it. White trash are easily the people who breed the most here. You walk through any grocery store and the largest families you will see are two fat white parents (with tattoos and shit) and 3-4 kids running around like crazy.
in germany
>>215990404Retards buy stuff they don't need with Klarna, when the bill arrives they see the "change into Klarna account" option (lets you pay the debt over a 24 month period with added interest). The start doing that, later they buy something else on that account because they "need it" and the sum goes up. Klarna is one of the major reasons people are in debt here.
>>215990667I don't know how people don't get offended when someone offers them a loan that includes interest, the very implication being that someone will suck more money out of you than they're willing to offer you, making your worse off in the long run.
>>215990442based savers of the white race
>>215990861>I don't know how people don't get offended when someone offers them a loan that includes interestExtensive goy conditioning
>>215990861>>215993316People just see the "pay less now" and ignore the fact that they will end up paying a lot more in the end.
>>215993517You might be dead by tomorrow, so better to pay less now.
My credit score is 987/1000
always funny how yuros pretend they don't use credit cards
>>215989167its funny, people here will literally say "muh social credit system" about china (which doesnt exist btw) but are completely fucking fine with the credit score system here
>>215989552>the entire financial system is built on credit ratingYours maybe.>if america didn't have credit cards the gdp would shrink by halfBecause people forget to pay back their loans or what? Credit card companies don't make money unless people pay interest on their loans.
>>215994967We don't. Debit card use is far more common.
>>215994967I only use credit cards to buy stuff from abroad
>>215995001>which doesnt exist btwOk Chang
>>215994967I used to have one for traveling but the rewards were so shitty I just cancelled it.
>>215989472>or... never have a credit card in the first place?Me I were extremely firna4nnancially retarded
>>215995175Is there any proof of it existing?
>>215995568Reputable media outlets have reported on it.
>>215995666okay, but I was asking for actual proof, not reporting on it.
>>215989167Do Euros really think their banks give out loans to anyone who asks?
>>215995705That's proof
>>215995666>>215995749I can't tell if you're genuinely serious or just joking.
>>215995719No? Loans are income based here. They do a check of you income, current loans/debt etc to see how much you can safely loan and base it upon that.
>>215996068Do I believe you or all the other Europeans in this thread?
>>215995719The requirements for a loan at my bank is the following >18 or older >employed for at least 6 months >minimum income of 10 000 kr (around €1000) per month That's the basic requirements but will not grant you a loan on itself. The amount they allow you to loan is based on your salary and what they call "risk markers" which are things like >do you have other loans already? >do you have any previous unpaid debt? >general monthly expenses It's basically a check to see how much you can actually pay back on a loan realistically. Then there's a cap on loans anyway called "Skuldkvotstak" which goes "common rule that the loan must not exceed approximately 5.5 times your annual income". So in fact, a credit card is most of the time an obstacle to getting a loan because any credit used on it will be deducted from the amount you can loan. Lets say you got a credit card debt of 741 bucks. That is then counted and removed with interest added.
>>215996387Every European country has it's own set of rules anon.
In europe youre treated as a second class citizen if youre white.
>>215989450Do you get all your knowledge of this country from MTV?
>>215996849Holy unc
