Four payments of $355 instead of $1400 (canadian dollars)
>>65097578Save some money broke nigga.Or, conversely, take out as much credit card debt as you can to buy whatever firearms you can with your spending limit. Choose wisely, canuck.Also, go Ducks
>>65097578I do it sometimes. It can help if you know you can pay the bill on the biweek. if you cant just save up its not worth the credit score kil
Get a 0 interest for 9-18 months deal from a credit card and do that so you actually build credit.
No. The path to bankruptcy always starts with a single debt. One debt two debt three debt four. Before you know it you'll be 10k in debt because you thought you could sezzle yourself a set of baller NODs. Then boom job loss boom you're broke boom sezzle putting you to collections boom you're bankrupt.
There is nothing wrong with being in debt, even unpayable debt. It is a righteous and based way to counteract the evil userers trying to enslave humanity with infinitely-compounding interest.
>>65097717BNPL is fine for your credit, can actually be a way for people who have ruined their credit to get some positive history.
>>65097912I walked away from $22k credit card debt during covid and they couldn't do shit about it except delete my goy score. If you can stomach the 7 years of no credit before they grant you jewbilee it's all good.
>>65097706What if by the time I've saved money the price has gone up due to energy crisis, or people start panic buying guns and it isn't available
If you can comfortably make the split payments then yes go for it.
>>65097912Sam Hyde maxxing only works if you got in on crypto 5+ years ago.
>>65098059My fiancée cheated on me and left so I used my 780 goyscore to get like $80,000 in loans and then filed chapter 7. Kept all the fun shit I bought and the debt discharged lol. Worth it. Only cost a single $2,000 lawyer fee (paid for with a loan of course) and then I was free.
>>65098094Based. And all you lost were opportunities to rent shit and pay interest for a few years. Unless you're planning on buying a house soon or have UMC income there's no reason not to debtmaxx and hit the reset button before your 30's. Unless you're a doctor or some shit and it's worth it for them to garnish your income it's very safe.
NoCuase you won't be able to shoot itNigga get a psa and a thousand rounds
>>65098094>bragging about not owning a house or vehicle so that your debtmax scam would have no collateral to seizeWeird flex.
>>65098131Already have that
Credova: Finance and Maneuver
>>65097912>There is nothing wrong with being in debt, even unpayable debt.There is if you have unprotected hard assets, or wish to build hard assets, or might need anything depending on credit score for awhile. Though sure as other anons say not everyone does, and depending on our age might be something you can get away with, but it's not building capital.>>65098139Setting aside any moralfagging (though I do believe in that somewhat but also recognize how badly others have fucked the social contract), purely from a mercenary point of view it can work depending on age and with some risk. Some states also have exemption laws that protect certain property up to some value from creditors, and there are ways to get around it regardless. The amount of effort anyone will go to is limited and can be worked around. You also don't have to just go bankrupt per se, in many cases they may cheerfully take 5 cents on the dollar and call it done because of how many they get zero from. It's a strategy that could go wrong or possibly right depending on how its executed.
>>65098139I have 5 acres, a double wide trailer, and a paid off vehicle.
>>65097578If you can get an interest free pay in 4 plan I don't see the issue with it as long as you can keep up with it. I've bought a gun or two, ammo and other related shit with affirm. Typically using these services to buy guns is against TOS and they block the order but it's very easy to get around that. Saving money for something is retarded when you can use someone elses money at no charge if you want instant gratification.
>>65098059they deleted my goyscore because I paid off my credit card debt and stopped borrowing money. Really makes you think. I am "unscorable". At one point I had a 740, then it tanked to 700 when I closed my card and it creeped down steadily for a few years until recently it just poofed away completely.
>>65097578I have a better idea, and one that PayPal doesn't seem to care about or I've just gotten extremely lucky. Use your PayPal account to apply for a line of credit, the highest you can get. That line of credit comes with a credit card (this isn't the cashback Mastercard they try to shill you on check out these days), it will arrive in the mail in like a week. This is a completely legit credit card from PayPal. Now, it has a very high APR UNLESS you use it on purchases of over $150 (IIRC). When you do that, it has 0% interest for six months on each purchase. Why does this matter? Well, for starters, it's an actual line of credit with an actual, functioning credit card. So if you find yourself in a situation where you need to use a real credit card, there you go. It builds your credit just like one as well, except the goal here is to never use it like that unless you have to. Make those purchases big dog, but make certain they qualify for that 6-month 0% APR. Finally, since it's an actual card, you can pay with it without ever using your PayPal account. Throw it in your GPay wallet, or whatever, hell, just manually use the details on the website. The charge will clear. Or at least, it has for me. YMMV. I've bought all sorts of gun shit with my card and then paid it off the next month(s) without PayPal seeming to give a flying fuck and I'm pretty certain that's because it's a Mastercard with a line of credit from another institution (you'll get an email from them and pay them, not PayPal but the payments are handled through PayPal or over the phone) and PayPal is just the middleman. I went from having a 1.5k line, to a 3k, to a 5k, to a 10k over a few years. They are pretty hesitant to raise your limit, and I am fairly certain it's because they are going to be bag holders for six months on every purchase if you're savvy. Meanwhile the average CC user is getting slapped with 25% or higher rates every month, and they get hurt if they pay it off preemptively.
>>65097578is anybody not able to access catalog on /k/ and only /k/ rIght now
>>65099018Yeah the whole site is down for me rn. Can't see the catalog, open threads, or post replies
>>65098052wait, so I actually might have positive credit? holy shit. That's quite something, because Ive never owned a credit card, figured it's too much hassle to try and keep up with it every month lol
>>65099242As long as you've always made your payments it should be good history. Utilizing your available credit up to something like 90% is good for your credit score as long as you make all minimum payments on time. Or something like that, am retarded
>>65099242If you’re not a retarded Pepega and use it like a debit card you can just set it to autopull out of your bank account once a month and never pay interest, no managing needed
>>65099259It'd be great if I could get a decent credit card with sub 10% APR off of some sezzle and klarna payments I just have autopull out of my account anyway >>65099262I am indeed not as retarded as some. atm im paying on some parts kits and im thinking about doing it for some other parts as well. I do need a cetme flat....
>>65099270Bad news bud, you’re the retarded Pepega. Responsible owners shop benefits, not interest rates. I thin I have something like a 22% APR but I get an easy flat 2% cash back on everything with no yearly fee. I don’t care about interest because I’ll never pay interest
>>65099275I dont have a CC yet man, but Ill look around when i am able to check my credit score. (phone atm is kil but i have replacement parts coming saturday to fix it)
>>65098094i went from 800 to 300 overnight with this one simple trick (I'm judgment-proof, btw, i show up in court and the debt collector's lawyers shit a cinderblock when i fill out my paperwork on time)
>>65099279Pretty sure anyone can get a citi double cash. If you have Amazon prime and want to flex on a date or picking up a tab with the lads the black card is metal instead of plastic, might need to build up some goyim points first tho
