BASED CREDIT

Why aren't you using the plastic jew?

As long as you pay your balance in full, you are literally stealing pennies from merchants. Legal theft was one of the Goldbergs best inventions.

>get 10k
>don't spend it
>PROFIT

I use the rubber jew.

>Citi Double Cash Card
>Pay balance in full
>2% back on all purchases

People who don't use credit cards are retarded. I've had one since 19 and now my credit is over 760 at 25. Countless retarded adults told me to "stay away" from credit cards. If it weren't for my own research, I'd have no credit now. Thanks, boomers.

yeah credit cards are hilarious easy to get right. Just keep your balance low, and people still fuck it up.

I have half as much credit as my salary. That's a lot of buying power if I ever need it.

I am. I expense about 50k every year since I order equipment for work. Free $1500 in cash back.

That's the scam, for paltry rewards they get you into a debt trap. Humans aren't wired to spend responsibly.

If you arent a retard you wont ever pay interest.

Free plane ticket to Europe thanks to credit cards. Thanks kikes.

>get bunch of credit cards
>always pay balances in full
>collect rewards & free shit
>always increase balances to get me to spend more than I can pay
>still always pay in full & cost them money to keep me as a cardholder
feels good desu

>go into debt
>to be able to go into more debt
>???

inb4 ITS NOT DEBT I PAY IT OFF LATER!!!!!!!!

>don't borrow beyond your means
>pay balance in full every billing cycle
>Build excellent credit
>???

How old are you guys? Just dont be a nigger.

>All these muh debt posters
CCs are amazing if you have even a tiny bit of discipline and awareness
>Get cashback from use
>Pay off every month in full
>Free shekels and increases your credit score

Retards who spend beyond their means deserve to be punished

I use them because you have to pay quite a lot for unlimited transactions with your debit card (like $15/month at any Canadian bank) and cash is too much of a hassle, so I just put it all on my credit card. It's not that I don't have money, it's just the convenience

I don't care so much about the cashback rewards thing because you have to pay an annual fee for the cards that give a hefty % back. I have one for free with 0.5% cashback, it's whatever

>I use them because you have to pay quite a lot for unlimited transactions with your debit card
Interesting, I'v never heard of anything like that in the states.

>I use them because you have to pay quite a lot for unlimited transactions with your debit card
Wow what the fuck Canada

Even we're not that bad

I bet you don't have $5 fees for using an ATM either

*an ATM that's not your bank's

...

Yeah, any bank can use any ATM
Private ones charges you

Still that's mad tho

The card is made of titanium not plastic.

DELETE THIS

Not free. The people you buy stuff from pay like 3%+ in fees to the credit card companies just to process the transactions. That cost is passed along to you in the form of higher prices for goods/services.

>Merchant scams you
>Used credit card for purchase, initiate chargeback, bank just takes the money out of their account.
I love credit cards.

You get charged from both your bank and the owner of the ATM (be it a bank ATM or private ATM) here. That's how you end up paying $5 to get your own money

Lol. You weak. I'm 22 and my FICO credit score is 766.

I've never had a credit card. Always paid everything in cash. I've never had a bank account either. I always invest everything I earn in goods and gold.

Sure, I could get a safe 6-7% annual return from the stock market but why should I? It's not like I can't earn a passive income in other ways.

Unless they have a credit card fee the other people who paid cash but pay the same price are the ones losing.

investing in the stock market is anything but safe. But you're right historically it has been around 7% year over year return.

>credit
>based
Don't you know credit is based off of lies?

Credit is nothing more than a promise, and a promise is a lie until proven true.

Credit is of Satan, the father of lies.

>see credit score is 820
>get excite
>it's fico8
Welp.

I remember going to school in Canada and everyone thinking my debit card was a credit card because it's Visa.

I'm sure Abu will enjoy plundering your gold.

Islamists fear the plastic jew.

How many years ago was that? My debit card that I've had for like two years now has a Visa logo on it so idk...

Besides I think it's worse that you guys only last year got chip and pin technology

Because credit cards are a second sales tax.

Those transaction fees sure add up to a hell of a lot more than your stupid 2% cashback bullshit or a free plane ticket once ayear

They're just losing more. Yea in the US very few places give you a discount for cash or debit.

>Free

hohoho

most places here in USA don't even use the chip.

>source: my job.

A local liquor store in my town won't even take credit.... and Costco just dropped AmericanExpress....

>stealing pennies
That's not how credit and money creation works. You can't steal something that can pop in and out of existence at the stroke of a key.

And they're trying to make up for that. There's been a ton of sign on bonuses offered at an all time high just recently. A week ago the infamous 100k Plat was out for like a day or two. I already have a Plat, so I lucked out.

With jews you always lose.

>paying rental rates for access to credit.
>stealing from Jews

Your fucking retarded. Bait so bad I'm worried your actually serious

...

Mind sharing the members benefits page for the centurion?

My credit score is 306. I had no credit history, was unemployed, racked up medical debt, student loan debt, and then got caught attempting loan fraud. Then I fled the state, got really hard to get a hold of and worked odd jobs for cash and lived in a van.

I can't get a credit card if I wanted to. I also have trouble opening bank accounts because I have to use a real identity.

wew lad u fucked up

In retrospect, bankruptcy would literally have been a better choice, but I panicked. I would have legal issues with doing so now.