Are credit cards part of the jewish conspiracy?

Are credit cards part of the jewish conspiracy?

>money that not exist.
yeah

Pol has become glp tier. You idiots that invaded my pol are fucking retarded and react just like any hardcore leftist and scream muh Jews muh globalism. As if any one group runs things. You new fags are dumb as shit.

just pay up before your Date of bill to pay 0 interest rates and don't buy shit you can't really afford, you dont really need.

seriously only a nigger doesnt know how to use a credit card responsibly

It's free money from the rewards, just pay off your statement balance to avoid interest
Normies/Millenials don't know this and just max it out

Credit cards literally ARE the Jewish conspiracy. Lurk more before ever posting again, you literal retard

Yes. Besides being a straight up tool of usury (The Chosen People's favorite method of profit), they track every single one of your purchases and where you make purchases. Just by buying things they know where you've been and what you've been doing. I think they're convenient and make transactions go a lot more smoother but you should only use a credit card in moderation.

>Money in a piece of plastic.

Yes it is.

And by credit card in moderation I mean use a debit card. Taking out loans for purchases is un-Christian.

>he thinks debit cards aren't traceable just the same
>Christian
Everything you do is tracked in the current year.

>good goy, buy things you don't need with money you don't have

>good goy, quote jewish movies with jewish characters regarding jewish matters
you're a fucking moron too

>implying money has inherent value as is

Maybe

read
you dumb homosexual
i use my credit card for everything and pay up 1 day before the balance day.
0 interest.
why? rewards, miles, better loan interests and good credit history you dumb little shit

>doesn't even know what money is
your eyes hurt because you've never used them.

not if you pay them off every month in full

>card gives 5% back on gas
>pay off the bill every month
>my gas is 5% cheaper

I guess that makes me a jew?

good job retard now I have your Credit Card number

Citi has a card that gives 2% back on everything. Check it out.

Kek

If I could, I'd go through life without them but to do major things in life like buying a car or a home, you need a good line of credit and there's only so many way to establish credit without taking out a loan, using a credit card is one.

Stupid people get credit cards not backed by a bank, like American Express or Discover. Stupid people use their credit card for luxury purchases instead of emergencies. Stupid people also only make minimum payments on their bills

A credit card can be a great tool, if you know how to use it properly

Why wouldn't you use Discover or American Express? Both have great rewards programs.

if you're underage please leave

user is that a good book? assuming youve read it

just ordered The Death of Money: The Coming Collapse of the International Monetary System

>mfw you apply for a mortgage in the future and are rejected due to a low credit score as you only use debit cards and don't take on debt
>mfw you are forced to use a credit card to build up a 'credit report/rating'

Top kek

your just jealous I got a free brazzers account

>Stupid people use their credit card for luxury purchases instead of emergencies.
>Using a credit card for an emergency
This is how they make so much money. This is literally a texbook "DO NOT DO THIS", by all financial advisers.
You're the only stupid fucker in this thread, you moron.

Glp doesn't hate the Jews tho

You know all those commercials on Fox News about buying gold and silver? Is that actually a good idea? Why are they paying for commercials if it is actually a good idea? Pls help

gold and silver are nothing

nonperishable goods and weapons are of value in the event of economic collapse

Heres a guide to help.

Yep, have the double cash

My cards are

>Penfed visa - 5% gas
>Citi Costco visa - 3% restaurants/travel
>Amazon Prime visa - 5% amazon
>Citi 2% for everything else
>Rotate in Discover card for 5% when the category is useful

Can anyone out jew my cash back system?

Yep
It's usury

Because their interest rates are fucking insane and rewards programs are meant to encourage you to use the card like an idiot purchasing luxury goods you don't need. Only get a credit card backed by your bank. They don't charge usage fees and their interest is lower

>get balance transfer checks
>don't have to pay them for 24 months
>dump money into a high yield savings
>put a few hundred a paycheck into it
>two years later take money out and pay off cards before I get any interest

And that's how you jew the jews

Now they won't let you do this a lot so you can't abuse it but it's a nice way to get a decent chunk of change in a few years.

Interest rates are the same for both. Banks only service the cards, they're usually underwritten by the same companies. In any case, you shouldn't be using a credit card as a loan anyway. You can get a personal loan much cheaper.

Gold is fiat currancy. It has no practical applications. Gold and paper are the same thing. A promise. Someone will give you something useful in exchange.

>scream muh Jews muh globalism.
Found the newfag

>card gives 5% back on gas

In Germany it is usually only 1 gas station company you can "safe" lets say 3%. But it always it the most expensive company and 8% more expensive than the no name gas station on the other side of the town.


You dont win either way they sell you out.

Oh sorry, its not fiat. Its even more worthless than fiat. My mistake.

Good to see the criminally retarded still frequent this place despite the shills attacks

Jesus christ are you that guillable that you believe an (adviser) who's encouraging you to use your card on shit you don't need which puts you in a hole you never want to be in if you're not prepared for it. My Card has a limit of $2000, an amount I know I can pay back at a reasonable time if the need arises. The only time I reccomend using your credit card for basic purchases is if you're trying to improve your credit rating. If that's the case then by all means, use your card for purchases you would have used cash you already had on hand for and simply just pay it off at the end of the month.

This card literally gives me 5% cash back on any gas I purchase anywhere.

Germany sounds like such a shit hole.

Never had one. Using debt to create wealth is one thing, using debt for creature comforts is just plain stupid.

Use it like a debit card to build good credit.

If you're brown, your skin will lighten, I promise you.

When all the money systems collapse ill totally swap you my food and water and shelter for worthless gold.

>he is a debt slave and has to build a "credit rating".

This is only a thing in the US. You know that right?

You know how I know youre poor?

>le fight club quote
This is an 18+ board pal

Americans are poorer, on average, than me. This is fact. By a long, long way.

Browner too. Nigger.

Part of the Jewish conspiracy to fuck merchants. Of course I don't need to point this out, but my bank literally pays me to use their credit card. It costs me less in time and money to use a credit card, why wouldn't anyone use a credit card for their day to day purchases? I don't get this fear over any level of debt.

Hi, you must be new here.

Not every country sells wooden shacks to love in.

Chase Freedom has 5% cash back quarterly on certain categories.

Bank of America generally gives 3% on gas and 2% on groceries.

If I spent more, I would definitely go for the AmEx Preferred that gives back 6% for groceries(but with an annual fee).

Costco also gives executive members 2% back on everything with a yearly rebate check and they also offer a Costco Visa that gives 4% on all Costco purchases.

only we can tell you...

and we wont...

I have a 150k credit limit because i've been building my credit since I was 18, I have 4,560 in the bank but if I wanted to I could buy something for 150k if I wanted right now.

I'm sure this is done in multiple countries, if you haven't borrowed they don't know how you would treat debt.

>to love in
American fertility rate is a joke. Either you are a white american LITERALLY being replaced like the cuck you are, or you are a brown retard that has moved there to be a slave.

Thanks for confirming youre just a bitter broke cunt. dont even bother responding

What a fucking joke. Im being given a house by my parents. My girlfriend is also getting a house from hers.

You are POOR.

You are a common american mullato or a white trash loser. You are poor as fuck and can be disregarded out of hand.

Its not done here. They ask to see your income and bank balance. No credit rating shit. They dont strong arm you into getting into debt.

>Jesus christ are you that guillable that you believe an (adviser)
>who's encouraging you to use your card on shit you don't need which puts you in a hole you never want to be in if you're not prepared for it.
Implying this hard.

You're the only one who is being jewed, mate. Using (((credit))) for emergencies and such is laughable. Enjoy paying your debt buddy

I actually have no debt.

What the fuck are you talking about?

That's not the way it works with all lines of credit. Some companies slash your limit if you try to use it all at once.

You have to buld a credit rating like a pleb.

Sure, if you are too fucking stupid to understand how to balance your own checkbook.

>MFW Chase Sapphire Reserve with 3x points on restaurant and travel with nice airport perks and shopping insurance coverage

Also, if you are retarded enough to keep cash only you are literally taking a ~10% loss every single year due to depreciation.

>b-but muh Jewish bogeyman

Also it's easier to counter fraud with a credit card with a debit card.

I still fucking hate using mine and I IMMEDIATELY pay off the balance (so no (((interest))) )

>I actually have no debt.
Credit is debt, you fucking autist.

>when you get a pin number that ends in 1488

I'm surprised tehy havent fucked you yet, paying that close to the due date. A card I used to have did that to me, I paid it off a week before it was due (back in the days when you had to mail a check), and they claimed it got there 3 days after - and jacked up my rate, and threw a bunch of penalties on it. I tried to fight them, gave up, paid it off, said "Close the fucking account" and never did business with them again. (Visa, fyi)

I have cards now, I used once in a while, but I pay off immediately. I have credit for emergencies, really. I also opened a small $500 limit card for those random internet purchases where the odds of them being hacked are higher, and if they get that card and max it, no biggy. Situations where there's no way in hell I'm using a credit/debit card.

American Express is the card to get. You have to pay it off every month, and you get extended warrantees with it.

Credit is a tool, you use to your own benefit, after you do a little research and reading. Fools pay interest - and the minimum .

this is my life right now
considering taking out some credit building loans. I have zero credit despite never missing a rent payment in 5 years.

>Credit is debt

t. unemployed Achmed

And if you pay it off the second you spend the money, you effectively have no debt.
Sure, in that 2-3 minute period you are in debt, but that is irrelevant desu

If you eat at a sit-down restaurant, you are in debt until you pay them in cash because you ate the food before you paid for it.

It is a form of debt, yes, But I'm talking letting it build and not paying it off like a retard

It's not just loans, these days. Some employers run a credit check, and will refuse to hire you with shit credit, and a lot of decent apartments require a credit check.

CC cards come in handy, like while traveling. If sued wisely - most people don't.

Or, say you get dinged by the IRS, and have to pay them by installments. Their interest meter is running the whole time - put the debt on a credit card, you get a better interest rate, and it builds your credit, if you pay it off on time. And, if you forget to pay, the IRS doesn't come after you. I went through this with a friend, he got nailed by the IRS for something, so I told him to put it on a cc. He worked out he saved a ton of money that way.

Typical american coon.

American Express just don't hand cards out to anyone, like Visa/Mastercard do. You have to earn it.

Said the starving potato

So lets say iv never borrowed a cent in my life, and have a good job and a good bank balance, I have perfect credit right? Gold plated.

said the COON.

For a brief time, I could pay rent with my CC card, and it counted towards air mileage. Didn't last long, they caught onto it, and stopped it.

...

If you're over 25 and can't scrape 2k together in a month, you're doing it wrong.

If you aren't proxyfagging and actually in Ireland, then sort of, by American standards.

Credit rating is determined by a variety of things:

>Current loan amount
>Average age of loan
>Average age of open credit lines
># of open credit lines
># of bank accounts
>Age of bank accounts

You won't be denied if you apply for CC. But you won't have 800+ FICO.

how does it feel to be poor and a potato nigger?

I wonder what that sounds like when you say it? You inbred, genetically deficient fucks can't speak English correctly, after all. Whale oil beef hooked and all that. Enjoy being irrelevant to the point of national castration.

So does that mean I have perfect credit? I have an income of $70,000 a year, a government job I cant lose, $10,000 in the bank and another $150,000 promised to me when I want to buy a house, or so they say.

GFs parents are rich but she is still in college.

I don't know anyone who makes 2k a month alone without a partner's income.

Go get a builder card, like CapitalOne. They'll throw pretty much anyone a $500 card, and just use it and pay it off for a year. Carry a small balance, like $25. Pay double what the minimum is every month - when it hits 0, buy something. You'll build credit pretty fast that way. In a year, you can ask to increase the limit, and you'll have decent card offers filling your mailbox. Get a coupe store cards, too, like Target. They're easy to get. Use it once a month, and pay it off.

The credit building forums out there are better for this, than Sup Forums.

Visa and Mastercard don't issue cards. They're payment processors. Citi, Chase, Capital One, etc are the ones who issue cards.

Perfect credit as in you are a new CC holder. FICO is accessible publicly now and you can check with any one of the main 3 providers: (TransUnion, Equifax, etc)

Nope. You have zero credit. You have no open credit accounts to build a history of credit.

That's the game. You have to use credit, to get credit. A car loan, paid off, will make it skyrocket. A cc card, paid on time, in full, is great.

They have no idea, looking at you, what kind of credit risk you are.

I'm not talking income, stupid. If you're over 25 and don't have 2k in a credit line, in investments, or saved, you're doing it wrong.

Lives check to check detected. You're doing it wrong.

Are you being serious, where do you live? I am 24 and I make 6k/mo? I couldn't survive on just 2k -my rent alone is 1300

Look at a USDA direct loan if your income is less than 50k. They'll underwrite your mortgage using alternative credit if you purchase a house outside your city limits. Their interest rate is 3.25, which is below market rates.

debt based money is jew money as opposed to what our founding fathers gave us silver and gold only.

The US system is different. Check with someone who knows your country's system.