>enroll in a credit card with a good rewards system that you will use often>set a manageable credit limit that you can pay off in full every month without financially straining yourself>use your credit card in lieu of cash >collect points and rewards and enjoy thousands of dollars in savings over the year while building a strong credit history to bootYOU ARE SUBHUMAN if you cannot manage this.people that fear credit cards are FINANCIALLY ILLITERATE RETARDSthe only justifiable reason you could have for not owning a credit card is if you're concerned about the banks monitoring your transaction history.
>sell every single dollar for bitcoin>let the fed pump your stack to infinite valueit's quite literally that simple
>>534339307maybe that's why they pump btc with tetherthey don't trust you with counterfeit currencyso instead use counterfeit counterfeit currency
>>534339031>>set a manageable credit limit that you can pay off in full every month without financially straining yourselfyou are supposed to use less than 30% of your monthly limit to pump up your credit scoremost credit cards are being devalued nowadays and the platform/convenience fees will shave off any money you "save" while reinforcing the amerimutt vice grip on global financial institutions
>>534339031Anyone who wants a loan should be denied because only people who don't ever want to be in debt can responsibly pay them back.
>>534339031>people that fear credit cards are FINANCIALLY ILLITERATE RETARDSI know more about finance and economics than you'll ever dream of knowing yet I fear the credit card. You are just too stupid to understand its jewness
>>534339031Every time I go to the bank and they ask if i want more credit, I lower the limit I have in spite. Not 0, Its a backup for If I ever run short due to and emergency surprise event.
>>534339307>>534339789>>534340144Jews mad
>>534339031>collect points and rewards and enjoy thousands of dollars in savings over the yearStupid idiot cc fees are built into all prices you have to get rewards to maybe break even from those. So yes, it's better than paying cash (unless you are getting a cash discount, which should be everywhere), or paying cc interest ever, but a society not built on usury would be preferable
>one bad month and now you are in debt to the bank jew forevercredit cards failed in non-kiked countries because paying with money you don't have sounds insane and shameful to anyone not retarded
>>534339031>Make sure intelligence agencies have an itemised list of everything you purchase.Only goycattle don't use cash.
>>534340262>save up for a house, maybe you can afford one when you're 75
>>534340190I like your thinking.
>>534340257>a society not built on usury would be preferablek but you know god damn well that's not ever going to happenso we make do with what we have at our disposal
>>534340483>you know god damn well that's not ever going to happenProbably not, so I play the game too. But I don't like it and won't pretend it's good
>>534339031Watch out for that bump in the road
>>534339031You think anyone on 4channel spends hundreds let alone thousands a month?
>>534339031The only justified reason to have them is for large purchases you can afford but want to be able to refund if they're defective.If you're not someone buying expensive shit at least once a year, don't touch. Paying rent, utilities and phone bills on time will raise your credit score if that's something you're worried about down the line for a mortgage (you should just never take loans instead, though).
>>534341132my parents used a 0% apr card in lieu of a car loan. You need to plan out your future payments though and be ready to pay it all off by liquidating savings if you don't have the luxury of doing a balance transfer at the end of card's life.
>>534339307you're posting this on a device you bought with usd, having recently eaten food you bought with usd, on a network connection paid for by usd
>>534339031You shouldn't have to deal with literal GAMEIFIED PERSONAL FINANCE to keep up your basic functions.It's not a matter of being able to do it, but a lack of willingness to wade into that specific shithole
>>534341892Unless having it massively boosted their earnings, it's not worth the risk of the car hitting a hard to repair problem and the sale not covering enough to wipe the debt and early fees.
>>534339031>not using exclusively cashyou're a fucking retard, and you won't realize it until you can't buy food because your social credit score is too low
I have 18 credit cards. I enjoy getting the welcome bonuses, and using different cards in different categories to maximize cash back. I get 5% back on almost everything I buy. It's just that easy.
>>534339031imagine trading your spending habits to a corporate database for points lel
>>534342389that will happen way after you yourself won't be able to buy food since cash will be outlawed
>>534340271What are you buying that you’re so frightened of other people knowing about?
>>534342819it wont be outlawed if we resist itlike by using only cash, and sticking to our guns if they dont like it
>>534339307>Have to pass KYC checks>They deny you because you're on a list>Not that simpleFuck off BTC shit, ain't nobody using your globalist surveillance currency
>>534339031Don't pay it off completely, leave like $50 balance so the credit company make some interest generated profit and that'll supercharge your credit score
>>534342389>credit scoreIf you have no regular bills and need credit payments to raise your score you're either a neet, a nigger or already own your land and utilities so who cares.
>>534342940illiterate nigger
>>534342982
>>534342373we had enough savings to pay it off, we just took the loan/credit so that those savings could continue to sit tight in a savings account/investment and generate interest for a bit longer.$25.0k at 2% over 12 months can generate $500. (fudged the figures to account for gradual paying off of the credit card). I guess it's debatable whether that $500 is worth the effort of keeping track of this setup though.Overall it's a pretty niche usecase.
I have a little business I have built up to like $75k in yearly sales in about 10 months so far with credit cards. I have a revolving line of zero interest credit cards and zero interest klarna payments. Just paid down one of the cards thats due in two months. The next card due in October is I think 1/5th paid off. Business is starting to snowball now. At first it was very strategic inventory management with everything being on credit. Now revenue can keep everything floating. Was pretty risky at first so I didn't overdo it just in case and had planned to pay everything down with my job. With credit cards though, there are people like women who will do what I did, but it would be to finance a chemical peel or some bullshit.
>>534339031>people that fear credit cards are FINANCIALLY ILLITERATE RETARDSBimgo. Most people are indeed financially intellectual midgets
>>534342864It's nobody's fucking concern
>>534339031>reward points for the good goy slaveFucking banks.
>>534339031It creates inflation. Credit cards ruined our collective purchasing power
