Im literally about to max my credit card. $3k in debt. What the fuck. How do I deal with this?
works on my machine
>>514375851Just apply for another one and max that one out as well. Rinse and repeat! Infinite free money!
>>514375851Don't spend what you dont have.How do people not realize this?>I borrowed 3k, 10k, 20000 on credit.. >wait, I have to pay it back with interest??
>>514375851>can't verify my age on steam because they expect a cr*dit card
>>514375851Dont do it in the first place.
>>514375851I pay mine off every month. So they keep increasing my limit to get me to spend more. They think they'll get any interest out of me. These jews have another thing coming
>>514375851declare bankruptcy. never respond to any emails or correspondence. flee town. become homeless. whatever you do don't ever pay it or acknowledge anything and perhaps after 5 or 10 years the debt is sold on and forgotten. There's also this event called a recession where credit is hard to get and interest rates go up but the jews in wall street got bailed out and then made credit easy to get again.You are a winner anon, as long as you never pay back and everyone else is the sucker that will pay the bailout when the recession comes along. Everyone, even governments like the first year of credit, they hate when it gets to the fourth year and everyone is in debt and the rolling balance can't be paid because now the interest is 10% instead of the 0.5% they were spending each month.
>>514375851The key is to max it out to buy tools, people fuck up all the time and use the credit to buy themselves out of a hole.
Credit cards are based. When you max them out and refuse to pay you are essentially robbing a jew. The jew fears the creditmaxxer. I have gotten great credit with the sole intention of maxxing them all out before I die. Free generational wealth. No refunds.
>>514375851>$3k in debtkek. Im 721k in debt and interest rises faster than i can pay it off.
>>514376103>I pay mine off every monthYou're dumb. You have to utilize your credit and carry a balance for a while before paying it off in order to increase your credit score. Paying it off instantly every month = stagnant credit score.
>>514376200Retarded nigger. With every transaction you do a certain percentage goes to the bank and the credit card Corp (visa for example)
>>514376134>become homeless for a decade over 3 grand
>>514375851Friendly Reminder that DarksydePhil erased his $500k debt by declaring Chapter 7 Bankruptcy. Yes. Debtmaxxing does work. https://www.youtube.com/watch?v=YiTcJQhaYvs
>>514375851Just pay your credit cards off in full every month. Use their money but never pay the interest.
>>5143758513k is less than half the average credit card debt of teenage girls. I can't relate since I never spend money I dont have
>>514376303Jews pay jews for my purchases? A double win.
>>514376025this
>>514376025Jews issuing “credit scores” will eventually catch on and cut you off.
>>5143758513k is nothing. You'll be fine. Just pay it off. Work out a payment plan with the cc company if you cant manage the payment. There are people with 100k in cc debt who are just making minimum payments. Youre not that bad off
>>514375851I spent $10k on my credit cards moving across the country. I took my time, spent about a month on the road, staying in hotels, seeing the sights, drinking a LOT, all without a job, all on credit. Then, and here's the trick, I simply never paid it back. I ignored their phone calls. Eventually the stopped calling. I got a new job at my destination and just didn't use credit cards anymore. 7 years later the defaults disappeared. Now I have a credit score somewhere around 600, I haven't checked in a while. I still don't use credit cards but I could certainly get a loan if I needed one. Just don't pay them. They hate this one trick.
>>514375851Why would you allow a Jew to have power over you? Dumb slave.
>>514376281You can pay it off and get your score up if you increase the credit limit or open more cards, having more available credit raises your score. I pay my cards off every month and I have a 752 score.
>>514376281did your dad tell you that?
>>514376329Hitler was living bohemian for a few years until he established control over the banks and centralised them, never paid a penny back and he ruled an empire.
>>514375851Cut it up. Pay off remaining debt. That’s what my parents did
>>514376568>I pay my cards off every month and I have a 752 score.I carry a large balance for 2-3 months before paying it all off and my credit score is 823 even after making some mistakes earlier in life. You're doing it wrong.
>>514376103This. I have over $40k across 4 different cards and over the past 15 years I can only remember one month I carried a balance over to the next month. It was less than $300 buck and the reason I didn’t pay it off that month was I simply forgot about it. Pay your cards off in full every month. Use their money but never pay interest. The credit card companies refer to people who do this as “deadbeats” because though they use hundreds or thousands of dollars in credit every month they never carry a balance and never pay interest. Think about that. CC companies call those people “deadbeats” and we are a small minority of credit card users.
>>514375851Stop buying stuff with it.
>>514376520Equifax alone has 15000 employees. What’s the high score? 60 something?
>>514376507This is terrible fucking advice>sees flagYeah, ok.Even in 2005 when I did this the debt ballooned from 500 to 3000. Then I got a job and they found me and garnished my wages. I eventually filed ch13 12 years ago and now my credit is 780. I moved to Hawaii and own my own business and even a boat.Don’t listen to people on /pol/ and be doing this hokey shit unless you plan on not having a life at all
>>514376666>I have over $40k across 4 different cardsThat's fucking terrible dude I only have 3 cards with something like a $60k limit. Just admit your good goy strategy of paying it off on time every month is subpar.
>>514375851Over 30k of CC debt and no way to pay since getting fired for not getting the clot shot. I'm judgement proof so they don't even bother suing me. Sometimes they send emails offering to settle for less than the amount owed. American Express is down to 40% of the balance but since I'm now unemployable, even a 1% balance deal won't do shit. Maybe credit score should have included risk analysis for what happens when the government removes a person's ability to earn a living.
>>514376689This. If you can’t pay your credit cards off in full every month, you are woman-tier or nigger-tier with your money management.
>>514376281Idiot, the only reason to care about credit scores is the binary option of whether or not you can get a home or car loan. Paying off your credit card every month will keep your credit score high enough to achieve that already. There is no benefit to trying to artificially increase it any further.>20 years without ever caring a credit card balance with auto pay setup.But don't let me stop you, go ahead and hand over 15-25% of your money to banks for absolutely no reason.
im 31 and never owned a credit card, only debit
JCB should come to the west
>>514376732Moving to another state probably helped me. They never came for my wages. Don't know why you were so unlucky. Maybe you answered their phone calls. Don't do that.
>>514376795This was me till 28 but because I never had a job so they wouldn't give me one
>>514376832How do you not have a job till 28 ffs?
>>514375851Pay it off.
>>514376790>a home or car loanlol boomer I'll never own a house and my car is paid off>There is no benefit to trying to artificially increase it any further.The benefit is not having to use real money for a few months while I do other things with it. Usually investments.>>514376790>hand over 15-25% of your money to banksweird projection. I'm sorry you're getting financially raped anon.
>>514376733Sorry I’m not a rampant consumer that doesn’t spend very much and the Jews don’t regularly bump my limit. I could ask for credit increases but I don’t because I don’t need it. I also think my limits are based on old income numbers from back when I applied.
They should 1. Not charge interest and 2. Not lend money to any dufus for any reason.
>>514376642Do you have a mortgage? On my report I get dinged for not having a mortgage or any loan secured to real estate. Ive never had issues getting credit with my score.
>>514376949This is antisemitic
>>514376949I know a book that says exactly this. You should read it, it's a great book. Holy, even.
>>514376832they still wouldn't give me one even when I've been employed for years and got my goy score to 680 after it being so low in my neet years so /shurg
>>514376134Credit card debt has a statute of limitation that varies greatly by state. In some, it's as short as three years or as long as ten years. None go beyond ten years because they're legally prohibited from pursuing debt after that point. What they can do is get a court judgement against you if they sue you and you don't show up in court. Something like 90%+ don't show up for court, leading to default judgements. In pic related, credit card debt is the last column "open ended accounts".
>>514376949>Not lend money to any dufus for any reason.Thats why the credit score exists
>>514375851>$3k in debt$3k is nothing if you have a job
>>514376281>>You're dumb. You have to utilize your credit and carry a balance for a while before paying it off in order to increase your credit score. You are a fool. I'd be willing to wager you are giving this "great" advice to someone with a near perfect credit score; Be willing to wager you, like everyone else who worries about "improving their credit score" ... has a shit score ... and deservedly so.
>>514375851balance transfer to a new card that offers 0% APR for the first 6 months and then pay it fully down within those 6 months, otherwise you will get caught in a spiraling debt trap
>>514376949It's not usury, goy, we changed the name in modern times.
>>514377035It's an antisemitic book that's why the rabbis needed to write an even bigger book of "corrections" (to the holy word of God)
My CC limit is $73k (between 4 cards)if you’re gonna crash your credit and dip out atleast make it worthwhile
>>514376595Made me lol.
>>514376103>I pay mine off every month. So they keep increasing my limit to get me to spend more. They think they'll get any interest out of meThis exactlyPay off every month, never pay interest on a credit card. Get a bank loan if you need to. My available credit (total on 2 cards) is equivalent to about $26,000 but I rarely use more than 20% of available credit.
>>514375851>$3k in debtSurely you make at least that in a month, so it should only take a month. If you are seriously struggling with this very small amount of debt, you can look at other credit cards that offer balance transfers at zero percent, and transfer the debt to another card. For only $3k, it should save you around $60-$70 per month.
>>514375851Only $3k? You aren't able to pay that off when you get your next McCheck? Are wagies really doing that bad off lmfao
>>514375851just don't be a loser, capitalism rewards the smart and the hard working!
>>514377918Fun fact about Japan, no one works at Makudonarudo's there. Entirely staffed by dogs in uniforms. Amazing culture.
>>514376032Everyone knows this you ignorant child.
>>514375851>use credit card for all expenses including utilities >pay it off before due date>2% discount on everything I buyJust use the credit card as if it is a debit card
>>514376281False
>>514375851Credit cards can indeed be a double-edged sword, offering convenience but also the risk of spiraling debt. Here's a straightforward plan to tackle your $3,000 credit card debt:>Stop Using It:First, stop adding to the debt. Put your credit card away and use it only for emergencies.>Budget: Create a detailed budget to understand your income and expenses. This will help you identify areas where you can cut back and allocate more money towards paying off your debt.>Debt Repayment Strategy:Avalanche Method: Pay off the highest interest rate cards first while making minimum payments on the others. This strategy saves you money on interest charges.Snowball Method: Pay off the smallest balances first, regardless of interest rate, to build momentum and motivation.>Increase Income: Look for ways to increase your income, such as taking on a side job, freelancing, or selling items you no longer need.>Negotiate: Call your credit card company and try to negotiate a lower interest rate. You might be surprised at how willing they are to work with you, especially if you have a history of timely payments.>Debt Consolidation: Consider consolidating your debt with a personal loan or balance transfer credit card. This can help you secure a lower interest rate and simplify your payments.>Emergency Fund: Build a small emergency fund (even $500 can help) to avoid adding to your debt when unexpected expenses arise.>Stay Disciplined: Pay more than the minimum payment each month to reduce your principal faster and save on interest.Here's a simple breakdown:>Cut expenses: $200/month>Extra income: $150/month>Total extra payment: $350/monthWith this plan, you can pay off your $3,000 debt in approximately 8.5 months. Stay disciplined, and you'll be debt-free before you know it.
>>514376987Ignore that kike just keep paying the statement balance. Do not pay a single fucking dime in interest for their gay jew points, 752 is plenty.
>>514375851because you're financially illiterate. Here's how a White man uses credit cards:>sign up for cashback rewards card with "get $500+ cashback reward after spending $3k within 6 months">go into account and set it to "pay full statement balance automatically">only use it for shit you would have bought anyway ie gas, groceries>get cashback>collect big cashback reward after a couple months, basically get a free month of groceries>credit score skyrockets>repeat process>profit
>>514375851Ive used zero percent interest cards to finance some things like cars before. Most effective way to buy large items in many cases.If you're relying on them for your day to day and buy pizzas on them or whatever you've fucked up.
>>514376103I don't get it. What's the point of using your CC to "borrow" let's say 5k if you're going to reimburse 5k before the end of the month to avoid interests ? Couldn't you use the 5k you eventually end up using to reimburse, but directly ?I have a debit card (which we call credit card as well in this cunt) and it directly uses my money. If I overspend, I have to pay with interest (agios) but isn't it the same principle as the credit card ? And what's the point of taking credit for day-to-day consumption ? just buy less burger. Aren't americans wages much higher anyway ? why do you need loans every months ?
>>514375851Depends if you want to own your own home any time soon. If you do, play the jew.
>>514378423>I don't get it. What's the point of using your CC to "borrow" let's say 5kyou don't fucking borrow the full credit limit, you retard. Thats not what credit cards are for. Credit cards are good for only a few things:>deferring payments to the end of the month>increasing credit score>getting cashback rewards so that you profit off of them>fraud protectionpaying any interest at all is retard behavior
>>514376335I watch Kino Casino shitting on Phil sometimes. Phil should be set for life, but he spends obscene amounts of money on Doordash and WWE Champions. He's dropped hundreds of thousands into WWE Champions.
>>514376103>So they keep increasing my limit to get me to spend morethey're increasing your credit score by doing this, anon. Thank the kikes for the free increase and thus lowering your overall credit usage ratio. I've made thousands of dollars off their cashback rewards too
>>514378535>deferring payments to the end of the monthso that's when you're short on cash otherwise it's useless innit>increasing credit scorethat's just to eventually be able to borrow even more ? >getting cashback rewards so that you profit off of themwhat are these cashbacks ? is it just to get you to continually use this system in hope that you slip one day and get fucked with interest ?
>>514376281So fucking wrong. Credit reporting form tracks monthly balance and if a satisfactory payment was made. Not if the balance carried over. T. Never paid credit card interest current over 800 credit score
>>514375851when i got my credit card the guy said there would be a $50 charge every month, but the rewards are so good I could easily pay that off with just the reward points every month. Ok that seems pretty cool. So I just cashed out all my reward points I've been saving for about 10 months, I've consistently been using the credit card maxed it out a lot, aaaaaaaaaaand...my rewards gave me $70. after so many months of using it.what the fuck??? does every credit card have this monthly fee or am I getting screwed over? I don't want to pay $50 every month for the ability to use a fancy card I could have just been using my debit card for. I really hope some anon sees this am I getting fucked over $50 every month is not nothing to me I don't want that expense anymore
>>514378596he needs that money, he really really does
>>514376281Peak retardation. I have never done this. Paid statement balance for 16 years. Have 15 cards and an 826 score
>>514376642There is no practical difference between a 750 and 820 score.
>>514375851>>514376025kill the bussiness manager of your local bank
>>514376303In the US almost all prices build that into the cost of the item whether you use CC or not.
>>514378596Those dudes are dumb but they sure do get entertainment. The fat bro can make anything funny.
>>514375851There is one advantage to living in Burgerland. Just one, but it is a good one. No debtors' prison
>>514375851I just use my credit card as an early paycheck and then I pay my entire balance off at the end of the month, every month. I don't want the bankers to get ANY of my interest.
>>514378071OP doesn't appreantly.
>>514378676>what are these cashbacks ? is it just to get you to continually use this system in hope that you slip one day and get fucked with interest ?pretty much. you get a low single digit percent back (like 1 or 2%) on all use, but if you pay any interest on the balance it'll be much more than the reward you got
>>514376281>credit scoreThis is the single stupidest and jewish thing you burgers have managed to create for yourselves. 'Doohohoo look at me I have to have to show I spend money in order to buy a house!' Lmfao, how the hell is a system that fucked up even possible?
>>514378676>so that's when you're short on cash otherwise it's useless innitno. My bank account always has at least $10k in it. I use a credit card for cashback rewards which lets me save around $50 per month on gas and groceries and each card offers a one time big cashback reward when you hit a certain spending threshold. So I was able to capture like $600 after a few months of each card which allows me to eat for free for a month each time. Increasing your credit score is good for getting the lowest interest rates possible on something like a mortgage where paying interest is inevitable. And yes, the cashback rewards is in hopes that you're retarded and completely override them via interest payments, however I pay no interest ever so I profit.
Okay I can understand spending money on credit card when you have another account that your savings accumulate. For these 1% returns, discounts, whatever programs you have. Sounds like a hassle but okay. On the other hand spending from a credit card when you have to earn enough to pay for it next month and you don't have this money right now? Do amerimutts really? >But I can buy a xWhatever you can afford from a credit card - you can wait a month and don't need it right now.Whatever you can't afford - a car or a house - you will not use a credit card for anyway. So why the fuck do you even need a credit score? That's just a jewish psy-ops to make you CONSOOOM.Help me understand please.
>>514378700So you didn't bother to read the reward terms? You just did what some salesman told you? Christ. Ytd I have 710 dollars in cash back. Zero interest. No fees either. Other than costco membership I guess. ( costco CC rewards are pretty good)
>>514378700>does every credit card have this monthly feeno, none of mine have a monthly fee and if they suddenly implemented one, I'd cancel my account
>>514375851Get your materialism in check.If you can't afford it now, you don't get it now.Debt culture is fucking retarded. Imagine living while knowing that you owe someone something.
>>514376103Same thing here, I only have 1 credit card with a limit 6 times bigger than my salary after taxes.
>>514375851Banks thrive on interests.Banks LOVE people like you.
>>514379133I see, it does sounds "okay" as long as you stay on top of things. I'm glad I don't have to think or worry about these things tho. It really sucks that you need to play this game to get a decent interest rate of mortgage, it kinda forces you to participate and maybe get burnt...
>>514379244i am so sorry I am getting rid of this stupid card as soon as I pay off my current balance, I couldn't pay it off this month just because of this fucking wedding I am going to sucking up all my money for a bachelor party, suit, gift etc I legitimately have so much contempt for my friend getting married
I was shocked to learn that in America only having a debit card is taken to mean you're a dodgy untrustworthy person. Apparently it's assumed that you only don't own one if your credit score isn't good enough for it.I have a debit card because I'm not a nigger who spends money he doesn't have to become a debt slave to the Jew.
>>514376281People like this are why Americans are in so much debt. They talk about credit score without knowing how it works.
>>514375851Get another credit card and use it to pay off the maxed out one.
>>514375851https://i.4cdn.org/wsg/1756560083111747.webm
>>514375851Stop consooming, you fat dunce
>>514379547> you need to play this game to get a decent interest rate of mortgageDoes it actually?In my experience going to a bank, saying "hey I got these wages monthly" and just talking to them like a human is enough to get you a slightly better deal on a mortgage. And I don't think bank gives a flying fuck about credit score, what they care is how much you make monthly and for how long. I don't actually know anyone who can say that he reduced the potential mortgage price by having a good credit score. But maybe it's just our shitty post soviet space.
>>514375851I’m in major debt to two banks but I’m disabled so if they try to freeze/garnish, they’ll have to deal with that. I married rich so I’ve got the big tits and free money for life now. Fuck Canadian banks—it’s all narco money in their coffers.
>>514376753>Didn't get clot shotSmart>Lost jobSucks but you still made the right decision >Now I can never find another job I'm unemployable This is where you lost me, this is fucking ridiculous to read. They're very few fields still requiring clot shot, meanwhile there are a gazillion different jobs where nobody gives a fuck what you put in your arm. Trying to make that one event be your excuse for your not finding some other form of employment is pathetic. Man the fuck up
>>514376103Be careful. If you break the ‘grace period’ you will be charged interest and implicitly even if you pay it off on time. There are plenty of shyster tricks that will cause you to break it without you noticing too, like a return, extra random fee or adjustment or just a transaction’s latency. I swore off jew cards forever because of this. Good luck.
>>514376134> become homeless over 3kI am truly sorry on behalf of bong-ladesh for this retards posting.
>>514375851I credit card maxxed when I was 18. £-7k spent travelling SEA. Never paid a penny back. Ignored all the letters for 10 years and they just gave up. Nobody came to my house not even a phone call. >but muh credit ratingThat’s literally all there is to stop you credit maxxing so they make it seem like its so important.I now have a mortgage and nearly own my house and my own business.It’s not like I recommend it but fuck kike banks and fuck ever paying them back. >>514380025Right? I swear credit score is a normie psy op to stop you credit maxxing
>>514378190Thanks, ChatGPT
>>514380159People are pathetic.Imagine not working for yourself in 2025
>>514380025>don't think bank gives a flying fuck about credit scoreHere, they do care and use it as an initial score and tier what they offer based on credit score. They might make exceptions if the monthly income is high enough. Banks don't want to lend to people who dont pay their debts and if they do, its at a high interest rate. The credit report lets them confirm who does and doesnt pay their debts.
>>514375851isn't the debt fake tho? you can just refuse to pay it
>>514380665I'm still convinced that if you physically walk into a bank and say that you have never taking a credit with these monthly earnings it will count for way more since you not taking a credit means you actually know something about budgeting your expenses. I may be wrong if the system is jewed and automated beyond belief.
>>514378700You're getting fucked pretty hard at $50 a month. Every card I've ever seen with a fee would be maybe $50-100 annually. $50/month is off the chart jewish.
>>514381081*initial screener. Some wont lend if your score is in the 400s, regardless of what you tell them. Small community banks and credit unions are more likely to be okay with what youre describing. A big bank, like JPMC or HSBC, probably not okay with that and dont need the business like a small lender does.
>>514379019Kek. Gottem
>>514375851wait till they sell it off as junk debt and call and offer 10 cents on the dollar contingent of them removing it from your credit report as though it was a mistake. get it in writing before you give them money.
>>514378676>what are these cashbacks ?As the name implies you get back a percentage of what you charge on the card. For my card it is 2% which essentially means everything I buy is at a 2% discount. Which, y'know, isn't much but it is something, it mean having like $30 I would've spent>get you to continually use this system in hope that you slip one day and get fucked with interest ?Yeah, that is their hope. They lose money on people who pay it off every month instead of carrying a balance and paying tons of interest but most people who use credit cards carry a balance and pay tons of interest
>>514375851By paying it off every month and not being a nigger. Credit cards are actually based. They funnel trillions of $$$ away from stupid people that were going to spend it all on plastic chinkshit anyways. The less money dumb people have the better off we all are.
>>514376918>The benefit is not having to use real money for a few months while I do other things with it. Usually investments.Kek. You are a retard. Use margin instead. The interest rates are a lot lower than your CC's
>>514380477>That’s literally all there is to stop you credit maxxing so they make it seem like its so important.Don't know about the UK but in the US they can sue you and get a judgement against you and then use that to seize money from your paycheck or bank account. They can ever seize property. But since it's a court process, it costs them money and they only do it if they think they'll come out ahead. If you have a good job and simply stopped paying, they'll sue and get the ability to garnish your paycheck. If you're a bum with few valuable resources, they're not going to bother. Selling your seized underwear and toothbrush isn't going to get them much. The worst situation for them is when someone with a good job and high credit score debt maxes rapidly after a job loss. By the time their computer models identify you as a growing risk and adjust your credit limit, it's too late. If you don't end up back in the workforce at a similar income level, it becomes a loss for them with no real way of recovering funds. As it's a business loss, they do get to claim it as a tax deduction but that's far from the full amount. And if later they do recover some of the funds, they have to put that back on the positive side of the balance sheet.
>>514375851>Im literally about to max my credit card. $3k in debt. What the fuck. How do I deal with this?$3k. That's it? Some people are swimming in hundreds of thousands of dollars in debt and manage. Simply pay off an excess amount each month and once it is paid off, keep it that way. Only use credit for emergencies.
>>514375851Cant you use a credit card to pay that one?
>>514376281Imagine giving a fuck about credit scores, which are the foundation of all the Jewishness in our western world. Both personal and state.
>>514376205> 721k in debtPretty sure this means you won, and the lenders lost.
>>514378423There are no real credit cards in FranceIn North America (and presumably other places) they pay you to use a credit card.Using it but paying it off before the end of the month allows you to get their bonus without paying interest(And the reason they do it is that the average person is either too poor or too stupid to resist using the cc too much)
>>514382713>Only use credit for emergencies.This is horrible advice as well. You should have money saved up for emergencies. Not go into massive debt whenever an emergency comes along.
>>514382679The UK went from one extreme to another within years regarding credit. They're happy for you to be buried in debt now. They can't really even touch you unless you make zero attempt at paying back money.
>>514376281Yeh this happened to me. I had a cc but barely used it. Then at 22 I went to buy my first car and my credit was like 650, which is not bad but not good either. They said it was like nothing, so they didn't know if you were good at repaying or bad at it.
>>514375851Thread themehttps://youtu.be/5YJpKk8OnpE?si=Oj8ZP1YAS9rtdJiV
>>514382720There are credit cards that are primarily for balance transfers but the company issuing it has to believe you have the resources to pay them back. If that anon already has their non-payment on their credit report, other credit card companies aren't going to open an account for them.
>>514382866Not it isn't. You should have money saved regardless. I'm talking about once in a lifetime emergencies which may save your ass. Even then, you need to repay asap.
>>514375851>3kJust get a job that pays more than McDonalds fry bitch you loser
not treating them like a debit card and paying it off after each purchase, and using the benefits (frequent flyers, discounts etc) on yourself. Grim, not our fault you are financially retarted OP
>>514376949Credit card 1 pays off card 2Card 2 pays off card 3Card 3 buys scratchers???Profit
I'm about $20k debt on 0% Apr credit cards for 20 months. I have $35k which I'm investing and working for me.Debt is fiat now and fast deflating. It can be your friend if used responsibly.
>>514375851sell your bussy or something of equivalent value
>>514382872A few years ago one of the big credit card companies pulled out of Canada, forgiving all balances when the company shut down. They didn't even sell the debt to someone else. Couldn't believe the credit card jews were willing to do that but apparently the leaf market was no longer profitable.
>>514375851Learn to suck cock, profit from it.
>>514375851Suck Dick
>>514375851pay it off
>credit card is maxed at only 3k
>>514375851just dont pay it, dumbass. what are they gonna do?
Credit cards are pretty much an IQ test, and jews are fully aware that half of the population will fail it and end up in debt.Most credit card debt is held by women who couldnt have personal credit cards until the 70s.... hmm really makes you think
>>514376666>Use their moneyIt's not "their money" if you're paying for it at the end of the month, interest or no interest. Dumb fucking retard May as well just not bother with credit card is in the first place. All it's doing is sucking your time and energy into a black pit of oblivion. niggerfaggot
>>514375851You will.
>>514375851>How do I deal with this?don't be a 15-second nigger and control your impulses?
>too stupid to pay for shit he boughtyou deserve to be in debt forever retard. only retards don't pay for shit they already bought. >3k in debtnigger retard that's NOTHING, you can pay that off in a single payment. but you won't because you're poor and stupid which is why you're in debt. poor people are stupid, everyone knows this, that's exactly why they're poor.STUPIDPOORNIGGER
>>514375851How do you scam credit score? Any lifehacks?
pay off my card thats been hanging over me for like a decade, check it for a few months to make sure no phantom interest, stop checking it and 6months later a debt collector is hassling me for 350$ that stemmed from a 40$ phantom interest charge, try to log in to check shit, accounts gone try calling they forward me to the debt collectors :| paid it off anyway cause i dont want to fight. it fuck the credit jews word of advice NEVER AGREE TO PAPERLESS
>>514375851They are advertizing kids CCs now.>I need it. I want it.Just so your kid can dress like a wigger.Need to teach them how to shoplift that stuff and fit into the urban culture.
>>514385543Why do you niggers need a kike card anyway?
>>514375851>$3k in debtThats it?
>>514387738No actual scams worth doing but there are lots of hacks. The main thing is to understand the various components that make up the credit score. The actual formula is secret but most of it has been reversed engineered by looking at large numbers of user contributed credit reports and scores. There are endless discussions on https://ficoforums.myfico.com/
>>514375851roll it into your mortgage of course :^)
>>514375851>37>never established creditI feel like I am kicking the can but I just can’t accept buying into the credit system
>>514375851Get another credit card and max that out. In the meantime start developing a business that pays you in cash. But for the time being just debt max because it really doesn't matter. Our country has debt in the trillions no one is worried about your 3k. Might as well make it 3 million if you can.
>>514388462You had nearly 20 years to get it started.
>>514388495>Our country has debt in the trillionsHorrible comparison.
>>514388504>financial advice from a Wal-mart wagieYea no thanks
yeah why not debt max its not like you will ever afford a home, problem is they can start repoing shit and wage garnishing
>>514375851#JustCancelTheDebt
>>514388693As opposed to some broke bum ass nigga who is stuck in the cel saga? You can take my advice as I have a 810 credit score.
>>514388552Trump will start sending doge checks and tariff checks for everyone so might as well increase the debt now before the inflation ramps up. It's basically shorting the market.
>>514388869There will never be a DOGE check.
Thread glows now, exit immediately and start debtmaxxing
>>514376281>the gooddest goy
>>514375851The thing is that my credit score would be in yellow again if I paid it back in full which is fucking stupid since right now it’s between green and yellow like what’s up with this kikery like why the fuck do I need my score to be green in order to buy house
>>514375851Pay it back faggot I'm literally like $15k in debt because my fat fuck retard of a dad ignored all the health signs and had a fucking stroke so I helped him cover a huge chunk of the bills I wish I was only $3k in debt.
>>514389152Buy a house? Why not a phone?
>>514388868you are just as broke but on a leash now. i rather not be a slave
>>514389284>you are just as broke but on a leash now. Nigga shut the fuck up you dont even know me. >i rather not be a slaveThen dont get locked up in prison, bozo ass nigga.
>>514375851>How do I deal with this?Just write it off.
>>514375851pay it back? I buy things with my card and then pay it back. Easy.
>>514389361youre borrowing money its not even yours and u will have to pay it back with interest, you are a slave to the dollar. thats why they still have slave owners on the dollars
>>514375851You took out a loan. Pay it back
>>514376666I prefer paying with a credit card for two reasons.1. I have unlimited transactions. Unlike my bank account where they want charge me a monthly fee to have the privilege to use my own money.2. Businesses hate it, because they get charged 2% of whatever I pay and I get 1% back.Yes, it makes the Jews richer, but what doesn't?
>>514379132It's because of niggers.They would "buy" everything without putting a single dime into the owed payments later.
>>514389563I'm sorry but I'm just not going to do that. If most people can't buy a house then they don't need a mortgage and credit rating doesn't really mean anything. Thanks for the free money.
>>514376642I have a single credit card I pay off every month. The big factors I see are payment history (35% of score), % of credit used (30%), oldest account (15%), then its new credit and credit mix at 10% each. >>514375851$3k is nothing m8. A few ways to go about it, they require discipline. You can shove every last cent into your card and stop using it until it’s paid down. You can pay the minimum balance and squirrel away every last cent until you can pay it off all at once. You can dump your entire paycheck into the card, then live off the card below your means and repeat until the balance is zero. Any way you choose, you need to stop spending more than you’re making.
>>514389581> it makes the Jews richer, but what doesn't?I’ve decided to just do what the Jews do. I put extra money in Acorns because it’s simple they use Vanguard index funds. I get 10% year over year minimum. It’s better than a high interest savings account. My wife gets spazzed from time to time and says shit like muh stock market crash. And my reply is always the same, “do you really think the Jews are just not going to get paid?” Anyway, I’m trying to figure out how I can start up an insurance company. Talk about a fucking money printer.
>>514390359OP I’m the opposite of this poster my credit score is like a 2 I owe $700k to the SBA from COVID and about half a million to the IRS and I sleep just fine.Some mice are really good at mazes and some are really good at biting the scientists and getting thrown at the wall. No amount of discipline will change which mouse you are. Good luck.
Anybody that uses credit card?This is a fucking dumb ass.And you deserve it.Also, this is why usury was made.Illegal in jews were kicked out of every country in the world , except the united states of america that they own
>>514376281>r credit scoreYou are cattle.
>>514391239Kek>buy the best until they reposes
>>514390755>Insurance companyGood luck. They locked that gate tight. You aren't the first trying to get on that market and they will never let you in.
>>5143758513K. Rookie numbers. 1pbtid mentioned
>>514391889I know. One of my cards has an $11k limit.
>>514375851Just spend less, lmao
>>514376025Based. For some reasons banks can print money out of thin air plus charge you interests on those printed money.Everything is a scam in this society.
>>514378535Debt cards when hacked are less likely to return your money in case of fraud
>>514375851>3kThats literally "pay me back whenever" money. Its fucking nothing.
>>514375851One of mine has 12k on it I haven't paid back when you have real skills you don't worry about making money oroney owed
>>514375851Credit cards act as a shield for when you would otherwise use debit. Raising your credit score makes lenders more likely to be willing to loan you money without a predatory interest rate. There are no negatives to using a credit card, just dumbfucks who put themselves into debt by borrowing more than they can pay off.
>>514375851you pay it off. then you dont put more on the card than you can pay off in a billing cycle.one weird trick, simple i know.
>>514375851only retards get trapped by credit cardsi get 1.5-3.3% cash back and its a firewall for my bank account with the strongest consumer protections possible
>>514376032This, but OP is a 1pbtid bait, so it falls on deaf ears.
>>514396036Indeed. Its a retard test. All my cashback goes right into crypto.
>>514375851>3kThose are rookie numbers. Just get another card with a balance transfer offer and 0% interest for X months, then pay that off. Do that a few times until you have at least 70k in credit. Spend ALL of it. Buy stuff with good resale value. Fix your shitbox car. Don't accumulate things that can be considered assets. Get cash advances and buy gold/crypto. Change address and phone number on all cards and stop paying all of it at once. Dodge all calls/letters from creditors for 7 years. Credit cards are unsecured debt and all they can do is try to sue you for it. Cant take you to court if they can't serve you. Eventually they give up. Rinse and repeat after old items are taken off your credit report.If you owe the bank 10k, you have a problem If you owe the bank 100k, the bank has a problem
>>514375851>No budget >No savings >doesn’t make basic precautions on how not to go into large amounts of debt Unless you have a health emergency or needed to pay for car repairs there’s no reason to go into large amounts of consumer debt
>>514388869>dogecheck How retarded are you?
>>514375851don't buy things you cannot afford you fucking retard?
>>514376281>t. credit card company
>>514377074>>514397180Correction, it's even less than 7 years. Dodge em until the statue of limitations runs out. Sucks to be from Rhode Island tho
>>514397180>buy stuff with good resale value>don't accumulate things that can be considered assetsidgi
>>514375851> I eat 3000 calories per day> I burn 2000 calories per day> help me 4 chin I keep gaining weight
this thread is gr8 b8 because if you have under 500k credit limit you're not even White and deserve to suffer
Why don't americans take consumer loan at 5% or 10% overdraft?Why do they get 30% credit card debt?
>>514375851Just stop paying, the absolute worst that can happen is you get bad credit for ~7 years. Realistic outcome is that you can convince whatever collection agency took on the debt to take less than a quarter of whatever the original balance was after 3-4 years.
>>514375851Pay it off. Work hard. Don't spend much. Don't take credit again unless you really have to for a house/car
>>514376281
>>514377074>it's as short as three years or as long as ten years. None go beyond ten years because they're legally prohibited from pursuing debt after that pointYou are on international board and answer question submitted by a (probably) brit bong. Statute of limitation varies from jurisdiction to jurisdiction and may be restarted. Here it would be 2 or 3 years (don't remember, don't care to check), extra 6 from day of verdict is stated by court after they sue you in time But that time starts anew every time they try to force you to pay via official repo man
>>514378423Thats how you get a high goy score for free. So if I need a loan or mortgage (lol) I'd have better rates
>>514376032BOOMERKIKE SPOTTED!>JUST BE A SLAVE>LIVE WITHIN YOUR MEANS>WORK HARDER FOR AN ECONOMY THAT DOESNT GIVE A FUCK ABOUT YOU OR YOUR FUTURE
>>514376032>Don't spend what you dont have.
>>514375851>How do I deal with this?You could pay it off?
There are four tiers of people credit Jews deal with>Those who pay it back every month and have one to build score. The Jews offer them pennies in front of a steamroller hoping they will fuck up once >Those who use it as an emergency fund. (((They))) advertise to them about how it can get them out of a sticky situation by kicking the can down the road>Those who use it to spend on shit and lifestyles they normally couldn't afford. Credit card companies bread and butter>Those who never will pay it back. Credit card companies report you to credit score Jews then package the debt with other debts and sell it to a debt collector who then harasses you because if they can get 50% of the debtors to pay they profit
>>514375851I'm 35 and I've never owned a credit card
>>514381081Not in America. I’ve had apartments that refused to rent to me because my credit score wasn’t a 650, when I was offering them 12 months of rent up front. Think about that
>>514400700>I’ve had apartments that refused to rent to me because my credit score wasn’t a 650, when I was offering them 12 months of rent up front.like every drug dealer, nigger, gangbanger. use your brain on that one.
>>514376032good goy>*gives 5 billion to israel*
>>514375851Take the minimum monthly payment, and multiply it by three, then cut that number in half.Now pay that amount for the rest of time.
>>5143758513k debt is nothing. Pay it off ASAP, learn from your mistakes, move on, and don't be a fucking retard next time. The End.
>>514377040Aren't debit cards supposed to be more powerful too? It means you've got money attached to it on an account and are paying immediately, yet it's treated as the weaker card by banks.Crazy how it's hard to get a credit card even if you've got decent amount of savings and never had any debt. Makes it so that transactions are less safe as well.
>Jewish usury and fiat currency is a trap!NO SHIT
Interest is usury however nobody forced you to spend more than you had.
>>514379528They take out fees on everything and can theoretically use the stacks of money deposited by all its customers to do a lot. Plus a lot of people need loans which involves interest over years if not decades. Credit isn't the only thing these institutions profit off of which people often seem to imply.
>>514399474>WORK HARDERWho the fuck says that? Just enjoy smaller things in life and laugh at the goy cattle destroying both their bodies and souls in the rat race.
>>514375851That's why you keep your utilization rate at 30% retard.
>>514375851Stop talking loans stupid fucks, ((they)) don't lose shit unless you die with your loanThey have insurance and enough retards talking loans that the money just keep flowing to them
>>514376103I do this too. They've actually surrendered to me and every month my statement balance is $0 regardless of what the actual balance is. I put a $5k vacation on my card and carried the balance for months without accruing interest just to see if it would at some point.>>514376281Lol you're retarded.t. 809 credit score
>>514375851>$3000 limit on his credit cardAmerican Express Centurion?
>>514375851That has been the name of the game for a century. Use credit to lure people in, then bury them in debt so they are constantly working for the rest of their lives.>muh retirementThey are already raising the retirement age in some countries like Denmark
>>514375851just don't spend your emergency credit on sneakers like a nigger
everyone install this userscript, eliminate the 1pbtid spamhttps://greasyfork.org/en/scripts/442568-filter-1pbtid-on-4chan-pol
>>514376281That's not quite how it works. There are two dates to keep in mind with credit cards:1. The statement end date2. The payment due dateYou can pay your credit card balance at any time, even before the statement end date, but doing this is what is ill advised. On the statement end date, a bill is created, and your credit score is updated. For the credit score to increase, your credit utilization (what % of your credit limit was given to you as a bill on your statement end date) must be low, but nonzero. The fundamental principle is this: credit bureaus want to know that you can borrow money, won't borrow an irresponsible amount, and will pay it back. If they don't see you borrowing any money because they only look at how much you're borrowing one day a month and you paid it all off before then, that tells them your trustworthiness can't be measured so they drop your score. Regardless, it is always worth it to pay 100% of the bill sent to you on your statement end date, by the payment due date. This is how you avoid interest. OWING INTEREST DOES NOT IMPROVE YOUR CREDIT SCORE. Also if you really, really want to hack your credit score, pay your bills twice a month. Once to ensure your bill at the statement end date is like $10 or so to keep you utilization very low. The second time to pay off everything else before the payment due date.
>>514376407Silly rabit, That’s when you apply again under a different identity! And the carnival just keeps on going!
>>514382884650 is terrible you nigger haha
I never owned a credit card, never took a loan, or checked my credit score. They still gave me a mortgage for $125k which is a lot of money around here. Stop obsessing about good goy scoreboard.
>>514403887Gonna put one small addendum onto the last thing. If you take the strategy of paying twice to increase your credit score, don't make the amount you leave on at the statement end date only 1 or 2 dollars. I found out with my Discover card that they may often just drop that to zero because it's more trouble than it's worth to process a $2 e-check payment.Although if you don't care about your credit score, this may be a way to steal about $24 a year off your credit card company. At least until they tell you to fuck off and cancel your card.
>>514376281People who say this are wrong.
>>514375851>$3k in debt. What the fuck. How do I deal with this?if you don't mind having your credit rating take a hit, you can let it go to collection and then settle with them for pennies on the dollar. i have settled cards for as low as 20% of the balance before.
>>514376281Amazing when dummies like this guy have the gall to call someone else dumb.
