Why do millennials refuse to apply for credit cards?

Why do millennials refuse to apply for credit cards?

Shlomo wants people to tryout their credit cards

what the heck would I ever need a credit card for?
if I can't afford something now I'm not going to gamble my future on when my next paycheck will clear

credit cards seem like a convenient way to always be broke without having to acknowledge the fact that you are

I'm a millennial with 25k credit card limit.
Good for your credit score. Now I can buy a house.

Same reason I don't ask women out.

being gay has nothing to do with your credit score

... or does it

>falling for the rectangular jew

nah

Rejection you dumb fuck.

I'll do anything I can to say away from something that could put me in debt.

Who is this teutonic slut?

lmfao

>Implying

I'm 23

>leaf

you sure you're not gay?

They grew up seeing enough people in the previous generations getting fucked up by credit cards and alcohol that they know not to try them.
Now Gen Z is growing up seeing enough people getting fucked up by leftism that they know not to try it.

>why do you make so many of these threads?
Faggot

>teutonic
ARE YOU
FUCKING
KIDDING ME ?!?

Millennials are failed abortions

because it's just flexible loans and useless for people who are mot retarded with money, ironically though banks are throwing money at me despite being -250k CZK in red numbers but refuse to lend any to my friends who never had debts and loans, guess it's that 'bonita' or 'credit score' shit

because paying a premium for a service that gives you the privilege of "going into debt to buy useless shit that you don't need quicker" was always a trap for morons.

the only reason it ever worked was because people used to have a fuckton more money relative to costs of goods and service. prices for goods and services have skyrocketed since 1960. wages for most people have not kept pace.

spending money you don't have is possibly the most retarded thing anyone can do

You still need it to buy shit online even if you have the money.

Visa debit.

don't they just pay over their phones?

ah, of course.

Visa check card ya mong.

Same consumer protections as CC, but it deducts directly from checking account.

then use paypall or debit card

Why do you keep using the same ugly bitch in every millennial post

Fuck I don't know shit.
I can use paypal but it's not always accepted.

sad, but true. i can attest.

>Not getting a rewards card, paying it off every month and getting free flight/hotel nights

user I...

resistance to the rectangular jew must start somewhere.

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No

Fagflag knows what's up.

>Borrowing money to buy everyday things
>When I already have the money
>If I don't I have to pay even more money that I never had in the first place
>All while paying Mr. Shekelstein for the privilege
>Minimum payments will never cover the loan
>Get assraped for missing even one of payment on the slowly rising debt

Gee user, maybe people don't do it because it's a shitty deal?

You build credit by having one. In the glorious USA, you need one to do such a thing. It's a stepping stone to building credit.

Do these people not know you can pay it off every month and never pay any interest?

Or you could just build equity instead of credit.

...

They're already 30k in debt to student loans.

I have credit cards, and whenever they try to add a fee or get tired of me using them as charge cards and not paying interest, I cancel them and take another offering. I have had an AmEx card for 10 years, various VISA/MC and occasionally a Discover card. My go kit includes the latest offers I receive so that, when I am fucking done in the States, I can simply activate/accept the highest limits, charge them up with cash withdrawals and bail.

>inb4 "But dat's FRAUD!" No, it's not, and after 4 years in my state where they are issued, they cannot collect if I come home nor take me to court.

The best part of this is that I already have a separate credit file in the EU (Germany) under a different set of residency and national identification/social security documents. Data and credit records can't be shared, so.... BUAHAHAHA! Stupid fucking stay-burgers need to understand: You outkike the kikes, or you stay a credit/debt-trapped goyim.

rewards programs if you never miss a payment and thus, have no extra fees. I get 2% cash back on every purchase. How can you turn that down?

OOOH boy, that was a lot of legwork you put in for someone to steal. Hopefully you're in the 56% of the US that didn't just get their entire Identities stolen, because if you were, they're going to take some big ass loans with this golden ticket.

If my credit score is 0 was my shit affected by the Equifax "hack"?

Free money.

You pay it off at the end of the month and buy gift cards.

massive college debt

>having a (((credit card)))

If they have your info, some hacker has access to all your SSN, Birthday, name, address, and what not.

They might not be able to get a loan but they can fraud you of other shit.

whoa, i thought americans were stupid

this

Is there a way to know if I was one of the affected?

sage

they dont have credit

Sign up for Equifax's Credit Monitoring and be notified of any changes to your credit status.

these data mining threads are hilarious

OY

Lol that just sounds like a sure way to get hacked again.

They can't afford it!!! They're already in debt!!! They have more bad credit than black people!!

Go fuck yourself debt nigger

The credit system is a huge scam perpetuated by ((them)) to drive up the cost of living.

jesus christ she looks old as fuck

>Millennials
>Not falling for Jewish tricks

I'm going to need a source in this.

i already have a home loan.

no thank you.

I have one credit card set up to pay the bills I have to pay and the other I use as a grocery and gas card. I pay them off each month because I use them like debit cards and I get 3% cashback on my groceries and 2% on my gas. I needed that shit anyways so why shouldn't I get a percentage discount at their expense? Plus doing so has boosted my credit well into the 800s, so I always get the best deal when I switch service providers or need a loan. I got my house financed through my credit union under prime with about 2 grand in closing costs waived. A credit card is only as dumb as you are. Use it smartly and it's free money and good deals just for being you.

I've been declined for every credit card that I've tried to apply to because I didn't have a credit score

How can you build a credit score if they won't even let you have a credit card?

Look into a secured credit card. Basically you put down a deposit and get a small line of credit. If you use it responsibly they'll usually give you your deposit back and upgrade you to a big boy card.

do they?
if it's volunteer this would be the first positive thing about them.
if it's just because they have no credit history, is because most are neets and it's better this way, as they would not be able to control their expenses and get an even larger pile of debt.

I don't know how it works in America but here you get charged a fee for using a credit card and get charged a lot of interested if you take out cash

35 and never had a credit card

I don't trust banks. I sure as shit won't trust a credit card.

We need a Mr. Robot to reset everything. Then you people can find out what it feels like to have a networth in the black. Or just don't fucking use plastic.

Or go crypto. I'm not using your archaic financial institutions unless it's to take your wealth.

FUCK everything about credit. FUCK you for pushing it on us. FUCK your generation for making credit necessary.

And kek agrees, apparently.

This is an 18+ website.

cause they all saw their parents succumb to the plastic jew

You often get free sign up money around $100, and lots of rewards points just for using the card. Its also a layer of extra security- I only use my debt card at the bank, so if some fraud happens with a credit card, which it has twice in the 8 years I used them, the credit card company handles everything for you and immediately cancel the fraudulent charges and send you a new card. If someone stole your debit card info they could drain you bank accounts or worse.

Post a picture of your ID proving your age or you will be banned.

>We need a Mr. Robot
criiiiiiinge

Check my funny captcha lmao xDDD

He reset everyone's debt. It's relevant.

useless and retarded, that's why

I buy everything on my credit card and pay it off once a month. Improves my credit rating and I get good boy points. Also very convenient. I've been doing this for 5 years and have never missed a payment. There are only two rules: 1. you never spend more money than what you have in your bank account. 2. Never miss a payment. It takes babby tier self-control to follow these rules, and if you fail to do so you deserve to be ass raped by jew bankers.

I am. I want to buy a new phone, but I don't want to drop $400 all at once.

I've worked for a credit card company and it's sad how so many people cannot get these basic principles. Almost every card offers some way to game it and it's ridiculously easy to do so and people always fuck it up. Hell if you called me I'd tell you exactly what you could do to avoid interest and reap rewards. It's not like they hide it. No matter what you do though there will always be people that fuck it up and then tell you what a horrible monster you are because they're retarded. It's like walking into a casino that says they always pay out on black and watching 70% of the patrons play on red anyway.

There is no reason for Americans not to use a credit card for their daily transactions since the credit card companies over there actually have very good rewards schemes for using them.

In europe these reward schemes don't exist. There is no benefit to using a credit card over a debit card whatsoever.

smart

why do i need a credit card?

So the boomers can yoke you to their unspeakably horrible machine.

How do you expect to acquire more debt if you don't already have a healthy amount of debt?

Why does using a credit card necessitate debt?

so that women have more gold to dig from you

Because nobody will give them one I assume?These retards created a trillion dollar student loan bubble.

Youre buying debt.

(((credit cards)))

Because that's what a credit card does fundamentally. Credit is the positive to the other side of the coin. Credit does not exist without debt.

Semantics. If you use a credit card responsibly then nothing bad can happen, and it's a lot safer than using debit or walking around with stacks of cash in your wallet.

but i don't have any debts?
i bought all of my cars with cash, my bills are allup to date, some paid in advance and i got my house when my parents died.

because that is the one thing they are actually smart about?

>Millennials are failed abortions
Damn. How to flunk an abortion sage me senpai

>62500 in credit across like 10 cards
>0 balance
>0 interest paid
>0 annual fees
>0 late payments
>808 credit score
>been this way since I was 24
git gud and get 0 apr cards with no annual fee

>safer than using debit
explain pls?

he works for credit company, hes a shill

>credit cards
are cancer and make the masses into debt slaves