>>108435025
Kiara is not the example you want to use. She's loaded

>>108435047
The only thing she's loaded with is cum

>>108435025
you do not need credit card in europe

>>108435025
Yeah everyone knows Kiara is dirt poor. She only owns a single house. Unlike Mori who has three.
What a pleb. Most people own at least 4-5.

german people are just weird about credit cards, they are very rare in germany

>>108435025
coming from the same woman who takes trips to expensive resorts at the Maldives every year, which she has a hard time convincing friends to come along with because its too expensive

>>108435025
you know only poor people use credit cards right? why would you need to borrow other people's money if you have money of your own

I want total hololive death as much as the next guy but this is a bad example, the JP girls who say they haven't been paid in months are much better ones.

>>108435077
it is only murica that is odd

>>108435077
Yeah, I noticed that a lot of them preferred to use paysafecards

>>108435097
she literally says she's borrowing money from her manager in the tweet

>>108435025
do sea people think that credit cards are a rich people thing or something?

>>108435126
>funneling money
Do you not understand what that means? Kiara is the one giving the manager money to buy her stuff.

>>108435097
shes literally reedeming cards like an indian

>>108435126
there is fees to convert currency so it is better not to do it if you can use yagoo pay, id girls do it all the time

You fucking retards.

She's literally saying that she was paying her manager to buy her JP Steam gift cards, because retarded regional Steam settings prevented her account from accepting her Austrian debit card or gift cards.

If there's one thing I've learned from some of the "foreigners in Japan" youtubers, it's that Japanese banking is one of the most autistic, outdated and retarded systems in the world.

Japanese society isn't a cash based society because they want to be, it's because it minimizes contact with the Japanese banking industry.

>>108435098
>the JP girls who say they haven't been paid in months are much better ones.
Why do retards keep going back to this point as if Cover are forcing them into debts, while in fact Cover are giving them long-term 0% loans for big projects that the Holos themselves want?

>>108435025
Europe doesn't do credit cards, anon.

>>108435097
If you pay your credit card bill in full, then it costs the same as using a debit card or cash yet offers some advantages, like buyer protection through chargebacks and stop payments and “free” money through cash back or points systems. Crdit cards also can offer things like no foreign currency transaction fees or access to airline lounges which would be useful for someone who travels frequently, like Kiara. Credit cards have a lot of utility if you’re responsible about paying them off on the same billing cycle.

>>108435291
I've lived in Germany for a while and let me tell you, it's the same there

>>108435147
>>108435097

>>108435077
Basically this. The German banks spread debit cards as the main payment system and it ended up being effectively easier to use AND you don't pay fees out the ass every time you use it.
It's a pain in the ass when international bullshit ONLY accepts credit cards because apparently PayPal is too modern of an invention.

>>108435313
This desu

>>108435299
Antis like to pretend that Holo talents are being forced to do 3D lives and original songs and MVs.
You know, idol shit..
They really can't get that by natural selections, Holo talents are the ones who want to do those things the most.

>>108435299
Holos LOVE to povertybait by pretending to have no savings, they also do this with the whole "i blew up all my money on gacha games" when they're obviously just talking about using up their monthly income at worst.
The downside is that Nijiniggers can use this and pretend they aren't lying and really are in poverty.

Thankfully we have honest talents like Kiara who are open about earning a lot and confirm they have massive savings.

>>108435356
>Holos LOVE to povertybait by pretending to have no savings,
No? What Holos often say is:
1/ I spend all my SC and membership money of this month into projects, and
2/ Don't worry, guys. I can just live on my saving and regular Cover salary
And no actual fan is ever worried about this.

>they also do this with the whole "i blew up all my money on gacha games"
Who?
They spent a lot on gacha games, yes. But who has complained about "spending ALL their money"?

>>108435126
ESL-kun, that wasn't what she said there...

>>108435356
>Holos LOVE to povertybait by pretending to have no savings
Which one?
And no, HoloID don't count. Their currency is weak-ass

>>108435388
The problem is when they think they're investing in their career and then Cover rugpulls them.

>>108435126
FUNNELING MONEY
Not
>borrowing money
Holy ESL

>>108435025
...vtuber?

>>108435410
moving the goalposts again
btw, Only 1 Holo has been fired so far. Unless you're defending Rushia somehow.

>>108435410
Back up your 2 previous claims first, retard

>>108435356
>open about earning a lot and confirm they have massive savings
Well, to holofaggot brownoids who are all SEA monkeys, it is indeed a "lot" of money and "massive" savings. For the rest of the world - not so much.

>>108435299
Because its fucking retarded, if you can't afford a project then don't fucking do it, cover is basically taking ALL profits from it.
You're banking on whatever it is your working on to be a huge hit, that's a monumentally retarded thing to do.

>>108435443
Post your real estate and skin tone.

>>108435126
>Bait threads are made by people who can't read
>People reply seriously
Brown board

>>108435025
you may have picked the worst talent to shitpost about being poor, good job

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>>108435485
>Spend months eating bread and water soup to fund something
>Cover loses the perms for it even though its all finished
>Wasted your money
>NO REFUNDS BTW
Lmao.

>>108435075
Mori has 3 houses?

>>108435607
What event is this referencing? that Nerissa cover that went down when the artist had a woman moment?

>>108435690
Yeah she's pretty retarded

>>108435607
>Spend months eating bread and water soup to fund something
>He thinks Holos Cover wages are the majority of the money they own from Hololive

>>108435485
It might or might not be retarded (depends on how you see it) but
>You're banking on whatever it is your working on to be a huge hit
isn't the case. Several Holo members (both EN and JP) have already said that 99% of their personal projects are not profitable. They know well those personal projects likely won't become "huge hits"; Those are just to satisfy themselves and to give something back to fans

>>108435081
>MALDives every year
>1000$ a night resort to fleece honeymooners and richcunts
>costly and arduous to even get there
>"poor"
lmao op is gay and retarded

>>108435714
Also this, cover wages are a baseline safety net, but it's just part of what they make.
Which is why it's retarded for them to not use it.

>>108435780
She pays more in massages a year than any SEA poster makes in 5 years

how do holos get paid anyways? do they all get paid a standard rate or do en members get paid more because the dollar is worth more than yen right now?

>>108435070
Yuropoors kek

This is a low IQ post.

>>108435319
>>108435077
lol no wonder we mog you all in GDP

>>108435025
I don't have credit card and I don't see reason to ever own one. I just use money to pay stuff and that's it.

>>108435097
Holy fucking moron. Did you mean to out yourself as too poor for executive cards? Get a job.

>>108435025
>kiara of all people
holy retard

>>108435865
Our system simply isn’t rigged towards CC’s unlike Burgerland. (There’s no such thing like Credit scores or anything similar)
If it wasn’t for the fact that I literally had no other option to pay for Fes tickets I probably still wouldn’t have one.

>>108435865
>being able to pay with the money you actually have
>poor
Burgertards

>>108436180
Rich people don't hold cash and we can still afford our yachts just fine. I wonder why.

>>108436139
Banks can check your crediting history when deciding to give you a loan for a house or a car.
Having a credit record with a bank can help you get a better deal, or rather help you avoid a shitty one, so I have been told.
A credit card is also more convenient for traveling even within Europe, you typically get travel insurance and can actually do car rentals.
Other benefits include insurance on big purchases (nice) or redeemable points (absolutely useless).

But for day to day purchases yea, the average European has no need for it.
Also, from what I heard, Germany is weirdly backwards when it comes to money handling.

>>108435025
are you retarded? she fucking wastes her money on retarded trips, do you really think she is broke?

>>108435712
But how in this economy?

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>>108436306
>our yachts
nigga be real

>>108435097
based and fiat pilled

>>108435319
the merchants pay the fees when you use a credit card (obviously that cost is passed on to all consumers, but it's cash still has a cost to manage) and then credit cards compete for customers by giving bonuses to them.

>>108435025
Yes they are rich
No I'm not reading your wall of cope

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>>108435025
>Hololive talents are rich
Now who's has been say that?

>>108436542
She invested all her earnings into a house in Texas. Currently trying to get a house built in Tokyo but tons of red tape is stopping her

>>108435690
The perks of being signed to universal music.

>>108435025
so she saw the vshojo shitshow and still choose to be a holoKEK? lmao
anyway hope she colabs with Connor to mindbreak this board even more

>>108435313
>buyer protection through chargebacks and stop payments and “free” money through cash back or points systems
...so you guys don't have these features behind your debit cards in the US?

>>108437264
Somewhat. Since money is transferred straight out of debit account, harder and longer to reclaim.
While with credit cards, it's a sure thing for about any reason.

>>108436636
just don't be european
come to america one day and comprehend what true wealth is

>>108436139
uhhh, do you guys still use flip phones, too?

>>108435319
>>108435077
It's really easy to get a CC. I'm Kraut myself and got a nice credit card that has zero fees for any transactions and withdrawals around the globe, perfect for all traveling needs.

>>108435025
Did you know that rich people have credit cards too anon? And also that credit cards are basically required to purchase things over the internet? Oh what am I saying, of course you don't, you barely have an internet connection from your flooded hut, my bad.

>>108436941
Whoever watches a talent that went from poverty to holo can see the difference. Eg fwmc who used to reuse tea bags.

>>108436139
>There’s no such thing like Credit scores
SCHUFA and infoscore are larger than ever

>>108435423
Hitomi Chris wasn't fired?

>>108435712
nah, real estate is a solid investment still
She'd be retarded if she was doing one of those 50 year mortgages tho

>>108435097
Every person I know has an American Express. Wth are you talking about?

How the hell didn't she have a credit card before?

>>108435690
No, she has a half a duplex in Tokyo and then a house somewhere in America, which is also her family's vacation home I think.
She's trying to build her own dream home in Tokyo but the bank wouldn't approve her loan because she's a foreigner and thus a flight risk.

>>108439752
Europe doesn't really do the whole 'credit-building' system that Americans do.

>>108439083
You can see burger wrote this since debit cards work just fine too

>>108436139
EU/Eurozone members have credit scores, just with different criteria and naming conventions. Banks and payment processors can check credit worthiness through brokers but unlike the US, there's just less often a building of credit score through repeated use/payment in that scoring system.

>>108440746
Yeah but you can still get a debit card with credit card included without any strings attached

>>108435025
why can't she just got a mastercard/visa? huh? is austria retarded or something?

>>108435025
Germans don't like credit cards

>>108435097
In the event of fraudulent transactions with a credit card, it's the credit card company's money that is missing and it's their problem. In the event of fraudulent transactions with a debit card, it's my money that's missing from my checking account and it's my problem.

Germs hate debt, eat nothing but bread and sausages, and sit down to pee regardless of gender.

>>108435025
>kiara is paid in steam gift cards

>>108439551
Hitomi Chris only had one stream, if anything, Cover lost money on her by investing on her model. At that time, it probably was a big financial loss for them.

>>108436941
Cover needs to find a way to pay for the 3D lives with sponsor money. Kinda like how they did with the New Year's countdown and Coca-Cola.
Ads might suck, but if they can offload the payment and keep talents from getting debts.

>>108437077
What is this retard talking about?

>>108435025
She gonna buy 10.000$ make up for cosplay

>>108439083
I pay everything with my debit card.
And we don't have to worry about chargebacks, because by law we have a 2 week return policy, and you don't need to give a reason.

>>108435077
Ok but she's Austrian.

>>108436139
there are credit scores here too but the systems are a lot less retarded than in america where you improve your score by doing random purchases and paying off the card before the end of the month. here its basically just about if you go into debt.

>>108441564
literally me
but the sitting down part is really not that common, i'm the only one that does it from the people i know. only do it at home though.

>>108435025
ESL-tier reading comprehension

>>108443303
Tell us about how it's all "brown people" big bro *rolls eyes*

>>108436139
I paid for festix with a debit. No credit needed.

>>108435077
No this is how America USED to be, America used to realize that credit cards are debt traps if not responsibly used and thus they were usually only for people traveling out of town who needed emergency cash. They started turning everyone with the exact same thing as >>108439034 zero fees, zero interest, the major credit card providers used to pay you for using them, and now they're pitfalls that have terrible interest rates and can easily destroy people's finances.

>>108444130
My parents always say that you can only take a loan for a house (and maybe a car if you really need it), anything else needs to be paid in cash/debit card, they are both pretty conservative working class germanoids

>>108435829
There is a fixed minimum wage, plus their share of what is earned from subscriptions, super chats, and merchandise.

>>108435025
How do you get money in your bank through steam cards?

>>108435025
OMG you're so QUIRKY. You go girl

>>108435025
If you're a person who lived/lives in two very different regions, why wouldn't you just have two Steam accounts and family share the libraries between them?

>>108435267
Don't they have Mastercard in Austria ? Here in France everyone has one or a Visa, I'm pretty sure they work abroad up to a 5000€ ceiling per month. And that's the normal ones, 45€/year for me (I'm getting rid of it soon for Revolut).

>>108436941
>Living from a parent shed into owning a house in japan
Uh huh, show your house title then bro.

>>108436331
That sounds Chinese

>>108437264
Rarely. Everything is geared towards sucking people into using credit.

>>108435097
Other way.
Only poor people pay for things with their own money.

>>108435058
Yeah, mine

>>108453910
Hey, so is half of StarsEN right now!

I steal from rich people and don't pay taxes

>>108436306
Anon. Credit card companies exist because of poor people making poor life choices. Stop arguing like a god damn toddler who has no clue how the world works. Burgers are fucking retarded.

>>108435957
its not about not having money, its about the extra benefits the cards provide. Not having one is literally throwing away free stuff. Most cards have no fee to use them, and you get cash back on every purchase, not to mention other swag like travel points, random merch, ticket discounts, gas discounts, etc. Why pay with cash when I can use a credit card, get 4% cash back from my purchase, and gain points toward free shit? As long as you pay it off every month there is no downside. And if you have the money to buy the stuff with cash, you have the money to just use a credit card and pay it off as well.

>>108456565
not to mention the security of having a huge amount of money at your disposal via credit card in an emergency

You have nothing to gain from admitting you're rich

>>108456362
TRVKE

>>108435299
but why is cover forcing them to pay for it? what's the point of being in a corpo if they a) take a portion of your earnings and b) force you to pay for your events anyway? not trolling just curious.

>>108456362
Americans are objectively richer than Europoors

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>>108456969
>*gets fired for missing a workday*

>>108456362
I get thousands in free money from mine while paying off my entire balance every month, it rules. Also Europeans are slaves.

>>108456969
And yet can't afford a house, health or justice.

>>108435126
Jesus fucking Christ you're a fucking retard, I hate this goddamn place

>bro debt is bad
>bro
>bro
People not understanding that debt isleverage in an inflationary economy. Your currency is not worth anything anymore. Make it the bank's problem or die.

>>108435313
my broke ass yuropean has those thing in depit card and credit cards have monthly cost for just having it so your whole thing is incorrect

Credit cards are only really "worth it" in the US.
The rewards are better
And everything is already priced with a credit card fee in mind, so if your paying cash your flat out paying more (I'm not sure if this is the case in other countries)

>>108435485
>Take loans to fund MVs out of your own pocket
>Can't monetize it
>Cover takes all the IP and revenue if you quit

lmaow what a scam. Not worth it unless you are hiring your friends.

>>108457272
so why are you not using that free money? cuz it is loan you retard. europe has better system for loans as you are only fucked if you did not pay your previous loans abd can not take loan again but in murica you need to take out loans to get benefit of better loans later making it backwards system.

>>108435025
>You think a girl who travels to the Maldaves once a year to scissor with other holos is poor

>>108456362
Go buy a house and car with cash, retard.

>>108435025
She spends it all on Maldives trips, doesn't mean she's poor.

>>108444440
in Sweden they tell you this in school even during home knowledge class and society class

Your credit cards aren't tied to your bank account and uses money from that in real time so there's never a credit card bill to pay?

>>108458632
The credit in "credit card" come from the fact that the payment is differed.

Not losing money on a credit cardnis as easy as not spending more money than you have.

>>108438957
>can't buy a house
>can't buy good land
>can't pay for medical bills
>can't pay for medication
>can't pay for good base education
>can't pay for good quality food
Yup, rich alright.

>>108457805
Nice try Jonathan Bank of America, you almost got me.

>>108458632
That's called a Debit card

>>108457272
Credit card companies can't offer the same deals in Europe because their transaction fees are capped.
Americans will pay for those deals with higher prices relatively because companies need to cover them as part of their cost of doing business. People who actively take advantage of it will do better even with that, at the expense of Americans who do not.

>>108453974
yall american niggers will call anything convenient "Chinese" because you are too retarded to fathom living in a normal country

>>108457272
>I get thousands in free money
>free money
coming at you from the country of freefalling literacy rates and <40% whites

>>108435077
Debit cards are generally superior to debit.
Credit only makes sense for untrustworthy environments (international) or when the user is poor and has to live on constant recurring monthly debt.

>>108459414
>Debit cards are generally superior to debit.
Superior to CREDIT.
Goddammit the phoneposting me is a fucking phoneposter.

>>108458346
bank gives out loan, intrest is little over euribor so usually it kess than what you would get in murica

>>108459379
Many credit cards have cashback deals. A little financial literacy can make you money for nothing with them if you aren't retarded.

>>108460420
>>108457272
It's not free money, the prices are set with the high credit card transaction fees in mind
t. burger

>>108458897
Hey, watch it... I'm still paying my student loan, which I was forced to take even tho my parents had enough money for full tuition. I love my country, but man...

>>108457768
>justice
The point being justice is solely about money in the U.S. It's just quite expensive.
You could make us believe your superiority in the eighties when you were cool and trustworthy. I did at least.
Now you're fellating an orange turd who's kneeling in front of a russian gangster. If you expect respect, you have to step up.

>>108461001
It is to you as an individual, because you won't move the needle on that arrangement.

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>>108460420
>a little financial ''''literacy''''
>if i just CONSOOM a lot more they'll let me consoom a little for free :)))

you are the most special little goy

Parasitic payment processors like the Visa/Mastercard cartel are responsible for the ban of sale and censorship of various of my favourite media
They have made it very clear that they hate me personally, so I hate them back, sorry if that wasn't what Mr. Goldsteinberg imagined would happen and I'm also okay if it offends any of his good goys

>>108459414
>untrustworthy environments (international)
Or online, or any situations where you have to give your card to someone else (like at a restaurant), or if you have to use an older magnetic swipe card machine, etc. Really any situation. Because if your card ever gets compromised (mag strip swiped, card number stolen, data breach, etc), the money that gets stolen won't be your money, but the credit card company's money.

>>108462534
>you have to give your card to someone else (like at a restaurant)
What the fuck are you talking about?
>if you have to use an older magnetic swipe card machine
I think when he said "untrustworthy environments (international)" he was already implying turd world shitholes

>>108462598
>What the fuck are you talking about?
When you go to, say, a fancy restaurant, you typically have to hand your card to someone (the waiter, someone at the front desk, etc). They typically don't bring you a machine to have you ring yourself up. Any time you have to hand your card to someone, there's always a chance of them stealing your card number.

>>108458498
In burgerland, we don't get Home Economics anymore, or it's an elective. People are literally being let loose into the real world without the ability to even write a check or write a balance sheet.

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>have job
>job give money
>money go in bank
>pay for stuff using card which takes money from bank
What do Americans dislike about this? Why would a credit card be necessary? If you require a once in a lifetime large purchase (e.g. a house) you get a mortgage.

>>108464245
Do you not comprehend the purpose of a loan in general?

>>108464245
Credit cards have more protections & benefits than debit cards, and have no downsides as long as you pay it off in full every month.

>>108464245
>a once in a lifetime large purchase (e.g. a house)
>once in a lifetime

>>108464301
Loans are gay. Don't buy stuff you cannot afford. The only exception is a roof to sleep under. Everything else you dictate by what you earn, and through your own budgeting using common sense.

>>108464460
>Loans are gay
So is getting a mortgage then.

>>108458897
uh, actually you can do all of that, moron. America =/= LA, NY and Chicago. All of that stuff is easily attainable for the average hardworking person in most areas.

>>108461669
are you braindead? If you're going to buy something with $100 cash and you instead buy it with credit that you get 3% back on, you just saved 3 bucks for literally no effort. You just pay your bill each month.

>>108464460
>Loans are gay. Don't buy stuff you cannot afford.
Are you retarded or just 12?

>>108459826
Credit is a loan... holy shit Yuropoors really are this smoothbrained no wonder you're all so unevolved.

>>108435025
all my euro bros don't have one, only America is weirdly obsessed with their goofy credit system of permanently creating debt and paying it off

>>108466423
Some nordic countries went hard on the plastic hype. Italians love cash, easier to pay under the table and evade tax. Germany/Austria still mostly use cash

>>108464414
euros usually live at home or rent and then buy a house/apartment if/when they get married and get kids, so yeah for a majority it is a once in a lifetime event

>>108437074
So she doesn't actually "own" the houses then

>>108464414
Do your cardboard houses rot within 20 years or something?

>>108467834
I have had several american friends being surprised at how thick the outer walls are in my apartment, they are like 60 cm (2 feet, and the windows arent flush to the outer part of the wall so the inner depth is like 30 cm) deep so if you are a small foid you can easily curl up by the windows
the floor is filled with sand and shit too so you cannot hear the neighbours at all
the perks of living in a building from the late 1800s to early 1900s

>>108464245
>What do Americans dislike about this?
See >>108463501 Americans are not being given the tools to survive in the real world, and it's like that by design: A population of people who struggle with the concept of money and debt are prone to making economically poor snap decisions that are uncommon elsewhere, like buying a $60K USD truck.

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>>108468080
It is so funny hearing americans talk about europoors when their median wealth is about italy and spain

>>108435319
Its the same in the UK.
The general preference is for debit cards over credit.

>>108463501
>write a check
Time for bed, old man!

>>108453910
the cuck shed...

>>108465165
Just not American who lives from payslip to payslip.

I covered the entire cost of round-trip Japan flights with credit card points. G-d bless America and G-d bless the Jews

I don't get it. She's basically complaining about how hard it was for get steam games because her account is a JP one but she's not in JP, how could your takeaway from this be anything related to financial status?

>>108473993
There are many retards and ill-meaning people on /vt/

>>108439090
>Eg fwmc who used to reuse tea bags
anon I think they might be stupid, not poor.

I actually work with the ultrawealthy, and they use credit cards for everything. They just don't use the same credit cards as normies. The one I see a lot if the JP Morgan Reserve card, which is available only to high wealth individuals who have access to JP Morgan private banking. The ultrawealthy don't actually spend their own money on anything. All their liquidity comes from bank loans, using their appreciating assets as collateral.

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America sisters... Is our country actually a shithole?

>>108477740
I GOT MINE!