>>534511847Yes as long as you use them properly instead of just >hur dur free money
Yes, it’s free money that you never have to pay back
yes, usury is based and redpilled
>>534511847what do you mean we can't scum people, especially brown ones? are you a kike?
>>534511847Didnt you post this thread like 10 minutes ago you moron
If you want to be in perpetual debt to the Jew, you need one.
It's a jewish trick but if you're not using one you're leaving free money on the tableJust get one without a monthly fee, set up auto pay and as long as you're not a nigger it should never miss a payment and you'll get free 2-3% cash back
>>534511847Only if you churn SUBs and maximize cashback so you basically are getting 5% back on everything you buy, sometimes more like 10-15% from the SUBs. You then pay them off in full every single week. If you don’t do all of the above you are a nigger and it’s not worth it.
Dont list to the kikes. What you want to do is save money but credit cards encourages you to spend.
>>534511847If you treat them like a debit card, absolutely.
"Worth it" in the sense that they should exist? Probably not."Worth it" accepting that "it is what it is" and they're not going anywhere? Yeah if you're not a retard.They only make money off of absolute braindead irresponsible retards. It's why they offer so many incentives like cash back, miles, points, rewards, discounts, introductory bonus cash, whatever. It's very easy to only reap the benefits and none of the downsides of owning a credit card.
>>534511847Get a grocery cash back card and pay it off every month the cash back adds up fast. I bought more Warhammer minis with my cash back
>>534511847>>534511914Unironically this. Jew the jew.
>>534511847If you aren't a retard, yes.
>>534511914/thread
>>534512020Why are they like this? My jewish neighbor was encouraging me to take out a loan for the honeymoon my fiancee and I wanted to do instead of just doing the alternative trip which would have saved us $4,000
If you plan to get a mortgage or an auto loan, you should get a few low fee cards you use for a few minor monthly expenses and pay off at the end of the month. The mixed credit use will get you a slightly better rate and save you a lot of money in the long run. AmEx blue cash card is decent because it’s low fees and you get cash back from groceries and gas. Other good cards are any secured/builder cards with low fees. I used the Discover it secured card. But other than that, they’re completely useless to have for anything other than an emergency line of credit. Credit scores are mostly pointless. I’ll never buy a car on credit again so once I paid off my house I got rid of my cards and just keep an AmEx up to like $10k that I literally never use.
>>534512361>Jew the jewThe Jew will just fuck you over back with his financial black magic (debt)
>>534511847Only if you have no soul and want to give the Jewish Processing Monster 3% of every transaction you make
Is 738 a good goy score?
>>534512020Savings are pretty much worthless because of inflation. The only way to “save” money is to invest it, and the primary way to do that is to buy real estate, specifically with a mortgage, and for that you’ll need credit, and a credit card can improve your credit. The only other benefit beyond securing a better mortgage is for emergencies and better security with payments. I had an issue with a contractor for some work I did where the work was deficient and I disputed it with them. They refused to remove the charges so I told my credit card company and they just rejected the charges. One of the ways they sweeten the deal is taking slightly better care of you if you use a credit card over a debit card. But you’re right in general. You want investments not spending and credit and increasingly, a mortgage is not even really an investment. It’s gambling with debt just like leveraged options or something.
>the primary way to do that is to buy real estate, specifically with a mortgage
Capital One = Cap it aloneDebt is capping oneself. One dips too much into mind control of others (ordering others to do stuff - i.e. gib goods or services), then ones spirit gets owned by the bank and one is in an isolated telepathic chamber owned by the bank and cannot see or hear how things really are - in other words, "covered" or biblically blind and deaf (i.e. having ears not hearing, having eyes not seeing)Just like believing any lie, it makes one capped. There are many layers to uncap.
>>534513634No cap ong fr fr
>>534512020>swipe debit card le good:D>swiping credit card le bad it encourages heck'n spending!!!!1There's no difference if you're not q retard.
>>534511847Yes, its just that you niggers dont know how to use it properly.
>>534512655Jew magic falls short on unsecured debt. It can quite literally go away if you ignore it.
