Guys non american here can someone explain what credit cards are & why I should buy one, getting either this or my first bank card from Wells Fargo but have absolutely no idea why they are making such a huge deal about not having any credit score at 48 years old?Should I just buy one of those prepaid visa or debit cards instead?
>>534497526no, stay as far aways as you humanly can from credit cards. its a jewish scam.
>>534497526You will sink into the bottomless pit of jewish usury if you get a (((credit card)))
>>534497526Get card. Max out. Don't pay. Repeat. It is unsecured debt, you don't have to pay it back.
>>534497526It's like having a Jew in your living room
Just pay it off in full every month. You can get cash back that effectively nullifies the credit card processing fee that you also pay on debit cards. You’re paying a retard tax if you don’t use it. You’re also in a better position if your card number is ever compromised because it isn’t your problem until you pay the balance.
Jeets giving other Jeets financial advice.
>>534497526It’s good to have credit if you can be responsible enough to pay back what you borrow. For example, someday you might want to get a mortgage or car loan. Just get a low limit credit card and pay it back every month.
>>534497526I have an 800+ credit score. I've never used it for anything. Credit is pointless unless you're broke or know how to leverage it
>>534497526Is just another chain to keep the goyim down.Only get many debt as you can if you plan to leave the country and never return
>>534497526Just use it EXACTLY like you would a debit card; which is to say pay it off in full every month. Every penny of interest is a penny to (((them)))
>>534497526Credit cards are basically playing the game the jews want you to play. That really is it. If you play the game you get your goy points, if you don't they punish you.
>>534497526You can build a good credit score just by paying your bills on time. A debit card can get you through every purchase in America, even some illegal ones. Feel free to ignore credit cards entirely.
I got about 15 credit cards now. All of them auto pay full balance. 825 credit score. Credit card debt is for niggers and illegals. I probably get about $500 a year in reward $ that I use for Christmas shit.
>>534497526Use gift cards, no need to open a bank account.
lots of credit cards are scams, but through my mobile bank (lol) I have an interest free credit card that I deposit money into from my checking account and use like a debit card. most of the time I forget to use it because I'm too lazy to transfer $30 or whatever to cover some bullshit small purchase every month so my score is only around 680, but if you actually cared about this "credit score" thing you could easily rack up 800 if you use it every day because you can't accumulate debt. it's like bowling with the bumpers in the lane. can't get easier than that and yet the brothas still have less than 300
>>534497526If you use a credit card and a Jeet steals from you, it doesn't matter because the money belongs to the credit card company and they're the ones who have to worry about getting it back.
>>534499680It was chime wasn't it?https://www.chime.com/online-banking/chime-membership-tiers/
>>534500145that's the one. pretty convenient since I live by a Walgreens so 0 fee withdrawals and the only time I have to interact with a human is to deposit cash at the register. if I had a job I could take advantage of whatever direct deposit scheme they have, they offer better savings interest rate and other shit.
>>534499594Aren't they literally the same thing?
>>534497526It’s a trap
>>534497526>have absolutely no idea why they are making such a huge deal about not having any credit score at 48 years old?psyop to market having credit score as a winning move when in reality is a goy debt system, boomers bought into it and here we are about to see the next economic colapse cycle
>>534497526Credit card is when you use the banks money to buy things and pay them back later unlike debit cards or cash where you use your own money. They are safer than debit or cash for large purchases because you sometimes get insurance on the purchase or if something goes wrong you can dispute the charge and the bank deals with the vendor not you. They're also safer because when you use a debit card the terminal gets access to your bank account to confirm the funds are there *insufficient funds*. Thats why people hack the terminals for when you put your card in they can see your account and steal from you. That doesnt happen with credit cards. Another positive is that if you lose it and Tyrone buys a bunch of shit with it you simply report the card as lost and say you didnt buy those items. The bank deals with it. By contrast if you lost your debit card and he buys a bunch of shit on it good luck getting your money back. The bank wont try hard to get your money back. So yeah, as long as you're financially responsible they are great. If you're black or a woman you will rack up a ton of debt and be financially ruined. So at your own risk
>>534497693>>534497594>>534500914Laugh at these natural born cuck golem slaves who can’t leverage debt. I used the overload trick for cash. BAKA golems will never learn! They are samned to be jewish slaves lmfao
>>534497526>explain what credit cards are & why I should buy oneTo build credit, which is essentially one of the most robust weapons a faggot can have short of a gun and no, I'm not fucking joking. Unless you have serious issue regulating yourself in regard to impulse spending, I'd strongly recommend it. And really, even that could be mitigated after building up a small supply of cash and using that instead. All while applying your credit card where it matters and utilizing auto-pay as it runs in background. I mean, fuck, after doing that then clip the card if you have to. By-and-large, it's only the financially retarded and immature that recommend against and I'm telling you right now that listening to these people will seriously fuck you over eventually. Just wait into you hit your 30s and you'll see what I mean. Credit is wealth and wealth is freedom and power. Freedom in having options and opportunities you'd otherwise be locked out of and power in having just about the only tool that's actually worth a damn in allowing you to exercise the greatest degree of control over your life and the direction you deem most appropriate.
>>534498064>You’re also in a better position if your card number is ever compromised because it isn’t your problem until you pay the balance.you know you're not supposed to have all your savings available to your debit card, right?you keep a balance of $1k-$3k unless you're making a large purchase and keep the rest of it in a savings account. at worst you lose what was in the current account, and even then you can tell your bank about fraudulent charges and most often get them reversed. unless you are a retard and arranged a massive overdraft balance they can only spend what is available on the card, instead of whatever your credit limit is.at least in this country chip+pin is standard so it's virtually impossible to have your card cloned or swiped by niggers.even gettting your card stolen or lost is mostly useless now that 2fa is mostly a thing for online purchases.credit is the banks way of telling how trustworthy you are, and how likely you are to pay back credit/loans. if you don't have any trouble paying them there's little reason you should need a credit card to tell them so.
>>534502247Don't forget if you get SSI or SSA it's almost impossible to get any sort of credit card
>>534497526a credit card will work great for you if you don't need to borrow money from the bank things be paradoxical that way yo
>>534503228Reloadable visa cards doesn't seem to be the same thing either?
>>534503759>Reloadablebut that's not a credit card, that's a pre-paid
>>534497526>Guys non american here can someone explain what credit cards areUsury of the highest order.
>>534497526>non AmericanGet the fuck out of our country
>>534502247yeah or ill just use my amex and make theft the bank's problem while simultaneously making the jeet at the liquor store seethe when i use it for small purchases
>>534504351>make it the bank's problemso do you just not pay off the balance that month or what?nigger still has the moneythe banks are still going to take money from people earning itbanks are still going to mark you as some fuckwit who can't look after their cardthe banks can see precisely how much you earn and spend. whether you're spending on credit or not changes nothing.
>>534504914Funny you should mention that my brother left the state we're in now with massive debts he owned our local bank but they never actually tried contacting him apparently so I never knew if he got into any legal trouble for getting his "checking" account in the negative?Is that something the IRS looks into?
>>534504914>so do you just not pay off the balance that month or what?autopay full statement>the banks can see precisely how much you earn and spend.so does the government for anything i don't buy with cash
>>534502247In the US, if fraud occurs on a debit card, you don't get the money bank until the investigation is settled.For a credit card, you don't have to pay the balance until the investigation is concluded and you're found liable.CC is objectively better
>>534497526Treat it like a debit card and pay your line off every month. Safer than a debit card since if it gets stolen you can just cancel the transaction and get your money back. Some benefits are nice too 1-4% back for nothing is pretty nice for me.
This thread was moved to >>>/bant/24280398
