Okay Sup Forums, let's get practical. You talk a big game about Jews, now how are you going to stop them?
Here is where you start. Stop using credit cards. The first point is obvious. Interest (usury) is massive. If you have a $5000 balance, at 18% interest (reasonable, check your statement) in 5 years you owe more than $11000. This unearned money is what gives financiers their power. You become a slave while they and their family do nothing and get richer.
Second, these cards have high fees and that gets passed on in prices. Stores have to pay for credit card transactions, so you in essence are paying for the banks to pay for your bill. That's right, you pay twice.
Finally, remember that banks don't even have the money that they lend. They just create it, and if they ever get into trouble, the Fed backs them up with more fake money. It's a fraudulent system.
So what do we do instead? Firstly, be responsible, don't spend what you don't have. Use cash as often as possible. Starve the Jews of their fees and their interest. For transactions among friends and family, use gold and silver. If you really need to borrow money, ask family. They won't charge interest and you'll be much better off than if you had to pay interest.
Start saving silver and gold so that you can lend to family instead of them being forced to go to Jewish financers.
We can do it Sup Forums. If we starve the beast of their usury, we can take back our civilization.
A typical $200,000 mortgage comes out to $500,000 for the life of the mortgage. Imagine what you could do with an extra $300,000.
And think about how Jews tear down your civilization with that money.
Henry Murphy
You realize credit cards don't charge interest if you pay them off every month right?
Cash doesn't give you extended warranties, price protection, or 5% rebate on gas, groceries, restaurants, etc.
People who pay with cash are just fucking idiots who can't manage their finances.
Mason White
>keeping a balance on a credit card want to know how I know you are poor?
Asher Diaz
you can't even do math.
Brandon Thomas
Another possible alternative is using a debit card, and yes this is cheaper. However, more money in the system props up their fraudulent financial schemes. Starve them for cash as much as possible. Don't use their bank accounts. Besides, they give you at most 1% while they earn 18%.
Gabriel Ross
bump for worthy thread. Godspeed anons
William Foster
I don't do this, many Americans do.
Anthony Martin
>i don't understand how to responsibly use a credit card so nobody else should god, why do retards on Sup Forums think they should spout their terrible opinions on things they don't even half understand?
Wyatt Hall
>Using jewish controlled finances >not bartering everything you need You are already in their system OP. there is no escape.
Cameron Kelly
>use debit card >card details stolen >checking account drained >several days, weeks or months until you get your money back
vs >credit card stolen >deactivate card, get new one in mail >visa waives the fee >atm/debit card still works in meantime
Aiden Wilson
>hey guys, I'll tell you how to get back at the kikes >just be a nigger with bad credit Ignore this shithead. Build credit.
Adam Green
You have a shit bank.
Zachary Anderson
don't listen to (((him))), credit is good, how else can you afford a house, you'll pay us later, live the good life
Ayden Morris
A loan today for $180,000 over 30 years at a historically low interest rate of 5.5% when fully amortized comes out to nearly $200,000 in interest charges over the life of the loan.
There is no way to responsibly use a credit card. It's fraudulent and usurious.
Jaxson Smith
Have not used a credit card for six years now.
Elijah Hall
nobody is paying 5.5% on a 30 year mortgage.
and you said $300k in interest on a $200k mortgage which is more like 7.5%
Jayden Thomas
28 years old, never had a credit card. Sure I don't have a "Credit Score" but fuck that, I'm off the grid compared to you debtors.
Thomas Lopez
Is 5.5% historically low? Mortgage here are a 2%
Nathan Fisher
I've had my credit details stolen many times over the years. No one has ever stolen my cash.
Dylan Moore
>don't build credit because I can't manage my own finances >check your statement I checked, never had a balance like that you broke retard. Get your spending under control.
Samuel James
You get it! :)
Took a nice vacation with my wife last year. With miles earned from me CC. I 2 bills each month I pay.
Mortgage and CC. Double Miles for ever dollar spent INTEREST FREE! :) Took a 6k vacation.
Jaxson Hernandez
>be retarded >think everyone is as retarded as you >x is bad, it's totally not because i'm a retard though!
Ryan Flores
Lol, the Jew defenders are hot and heavy in this thread.
Jace Wright
But you are still living in your mom's basement while we are 25 years away from being land owners.
Dominic Kelly
>Be me, ordinary worker >Only use credit card for Kindle buyings >Use debit card only for withdraw money from my account >I prefer to see the ammount of money I'm spending going out than do this without any control >Being seen as a weirdo in a country where most of the people doesn't know how to make a simple cross multiplication.
Anthony Baker
No current rates here are 3.5-4% here for an average home buyer
5.5% is BS made up rate.
Liam Martin
I can't even go two days without freaking out when I owe one of my FRIENDS money. How can you all deal with the stress of owing some Jew thousands of dollars that you spent without ever ACTUALLY HAVING IT??
Ian Peterson
This is the historical norm.
Tyler Garcia
Okay retard ITT we post our credit score >750+ anything less is an embarrassment
Austin Wright
0
Logan Torres
Negative ghostrider, I have my 3-bedroom house to my self and my dog. Keep on making those monthly payments though!
Christian Gonzalez
meant for
Brody Garcia
(You) don't get that rate. That's only for the cream of the crop, not a schlub like yourself.
Jacob Jones
You are right, I have just 2.60%
Jack Mitchell
Yet you prop up credit card companies with their high transaction fees, which manifest in higher prices for goods. Good job, you subsidized Shlomo and screwed your fellow man.
Dominic Sullivan
>rates 10 years ago are relevant today
Kevin Robinson
I don't get it why do Americans use credit card so much, why spend money you dont have and pay high interests? Here everyone uses bancontact it works very smooth and no jewery.
Do credit cards give burgers some benefit that makes it worth being jewed?
Nolan Hughes
Lol, excited about possibly owning land in 25 years.
Nicholas Butler
So you have inherited or you are squatting an house? In both case the jews have owned it in the past with as mortgage.
Andrew Gray
Or use them and always pay them off and never accrue interest. I get paid to use my credit card in the form of cash back. So jokes on them
Jacob Cook
See If you don't carry a balance you don't pay interest and you get good benefits.
Charles Sanchez
The southerner knows responsibility. See how a little honesty changes the way you view borrowing money?
Thomas Lee
>$180k, 5.5% 30 year >$1022/mo for 360mo >$188k interest You're dumb. Also >only making minimum payment >not having a down payment
Gavin Roberts
Murricans don't know how credit cards are used in Brazil >The only country in the world where not only you can share your paying in credit card, but also you can share your paying for almost everything you can buy >Credit card annual interest rates are in - gasp - 363% >Because people not only buy a fucking LCD TV in 12x but also pay each 1/12 portion in 12 months. >This is what the average Brazilian usually does
Logan Flores
OP here. 825. Yet I'm still charged 18%. Thankfully I never pay that. I don't carry a balance. But from now on, I'm not using my credit cards.
Kevin Lewis
I rent from the realty company that my family owns ;)
Jaxson Foster
Congratulations. Now tell me about those wonderful Canadian home prices.
Noah Cook
>use credit card >don't buy things unless you already have the money in your bank account >pay full statement balance monthy pretty easy
Gavin Bennett
Responsible people pay off the balance on the card at the end of the month. Then you have retards like OP who don't understand how credit works and causes a mess for themselves, then blames other people for his own mistakes.
Hudson Long
>toronto is the whole of canada
Jayden Cook
So you give your money to your family middlemaning for the jew. Great insight boy :^)
David Baker
HAHAHA, this is an American only issue. Meanwhile we just use bankcards and online banking to pay stuff.
Gabriel Taylor
No, joke is on you. They still make money from transaction fees. You raise prices for everyone else while subsidizing Shlomo.
Brody Reed
otuside of toronto and vancouvers it's about 200k.
Kevin Stewart
All the banks are run by potatoniggers FYI
Jonathan Stewart
Why would you support their high transaction fees?
Grayson Ross
A.good post on pol? No way
Michael Butler
I have almost 25k on cc debt. Should I kill myself?
Evan Jackson
You cucks missed out on the golden days of churning. Racked up over 6 million miles since 2011. I've been around the world for next to nothing thanks to credit cards.
Zachary Edwards
If I stopped using credit cards I'd be homeless in a year. you're welcome to go for it though . good luck.
Julian Edwards
No you should starting doing 0% BTs if you credit is high tier and pay it off ASAP by living in poverty mode.
Adrian Brown
>taking financial advice from a meme flag sure I'll just stuff cash under a mattress
you need to be 18 to post here
Lucas Ramirez
Again, why do you want to raise prices for everyone else by fixing merchants to pay hefty transaction fees that are passed off to prices?
Logan Hughes
>Here is where you start. Stop using credit cards. The first point is obvious. Interest (usury) is massive. If you have a $5000 balance, at 18% interest (reasonable, check your statement) in 5 years you owe more than $11000. This unearned money is what gives financiers their power. You become a slave while they and their family do nothing and get richer. >implying I don't pay it off at the end of the month
William Edwards
LOLwut kinda faggot lives off of cc? Get a job hobo.
Bentley Walker
But if I get robbed by a pack of feral niggers, my cash is gone and I have little recourse unless the braindead cops find them and require the funds (protip: they won't)
With a credit card, I can cancel it and keep my money safe. I'm jot a tard and pay my bill in full every month to avoid the fees.
Cameron Wilson
Declare bankruptcy. You're not a slave.
Dominic Hughes
>transaction fees only exist for credit card users I know you don't understand what you're talking about but just stop, user.
Liam Sanchez
Pay your mortgages as fast as you can. Use the extra money you would've paid in interest to (((them))) and go do something worthwhile with it.
Kevin Cox
>provides consumer protections >electronic reciept of all transactions >simplifies online purchases >don't have to go to the ATM once a week and before every major purchase
Justin King
>declare bankruptcy and fuck yourself over the next 7 years for a minimal debt
Elijah Jones
All on the back of your fellow man who's paying for that through interest and transaction fees. I hope you can sleep at night.
Samuel Parker
Store PMs.
Michael Ramirez
Why would you be homeless, are intentionally going deeper in debt? I only use them to buy gas. Everything else is paid cash.
Samuel Barnes
>20k cc debt GUYS I FUCKED UP
Austin Green
Pic related and bump.
It is the truth, but sad cause I just applied for one. I want to buy a house one day.
Chase Williams
You don't have higher prices for credit card users in stores. Everyone pays the same price. Everyone is effectively subsidizing the financers.
Luke Bell
I've been able to negotiate -15% on furniture with a hand full of hundreds. Try doing that shit with plastic.
Evan Campbell
Why are you carrying around so much cash?
Nathan Scott
If you charge things to a card you cannot afford I have absolutely zero sympathy for you.
Julian King
don't know what you're talking about
>not having a low interest line of credit
Carson Gonzalez
25k isn't minimal. And with interest, it's massive.
Chase Morgan
Perhaps stop sucking jew dick and taking debt?
Brody Carter
There is a flipside to this all, if you pay with credit generally the processing fees are built into the transactions and you pay more anyway.
I feel like there is a demand for financial information by Sup Forums users. I would make a blog but nobody wants to read that shit.
Jackson Barnes
>Use cash as often as possible Stop. There is literally no reason to use cash. All your doing is adding work for whatever poor kid is ringing you up. Cashless should be where we are but idiotic rednecks keep pushing back. Also, credit cards are fine. Pay your bill in full every month and you don't pay interest but still get rewards. Fuck you larpers are fucking retarded with money.
Jordan Taylor
That's a very Jewish way to look at things.
Dylan Gray
>I lack self control >It's not my fault it's the Jews ! Take some responsibility.
Anthony Lopez
depends on your income and expenditure, obviously.
Oliver Gonzalez
>$30/gas to fuel car >$30-100+ groceries, more if a family >$$$$$ if shopping
Jace Jones
Realize how much access to credit pushes up property values.
Xavier Allen
Was it a corporate or an independently owned furniture store?
Furniture has horrendous markups either way. You getting 15% was probably just a gimme. I was able to knock off 30% of list by arguing enough. However, at the same time I got raped on the Mattress price but I was okay with this.
Sebastian Fisher
The fact that they're willing to do that shows you how much the credit card companies make a killing even before interest.
Evan Diaz
I carry $4-500 typically. I also carry 21 rounds of 5.7x28.
Jayden Gonzalez
Why is everyone so ignorant about transaction fees?
John Long
No shit. This is why I refuse to hand over money to the jews voluntarily. I'd rather the vendor get cold cash before a fucking jew middle man.
Aiden Ross
Declaring bankruptcy was made a lot harder than it was, but you don't know what you're talking about so why bother.
you're an absolute moron. you don't understand how even your personal finances work let alone anything more than that.
Jonathan Wood
First, at current rates you'll be paying about $150,000 over the life of the loan in interest. Sure, it is a lot, but if you weren't a nigger and actually maintained you house it will be worth quite a bit more than $200,000 in 30 years. Also, don't buy the make amount of house you can afford and get a 15 year morgage. You will pay less than $70,000 in interest.
Still a better deal than every cent going to a jew landlord and ending up with nothing. Living with mommy and daddy isn't an option for everyone.
Adrian Brooks
If you can't afford to pay off your balance each month and take advantage of the CC bonuses you should neck yourself. I'm glad the jews are making money off you.