Credit score

There are literally anons here who are over 20 and have 0 credit. Let that sink in for a moment. Really makes you think, huh?

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I pay for everything with cash.

this
also credit tips

Enjoy paying more cash then you have to.

you live in belarus, your argument is invalid

What's the APR on a loan from the Russian goons these days?

>being a debtor
>not a creditor
Just fucking die, you waste of space.

>Enjoy paying more cash then you have to.
Using the example you posted.
>Creditfags can either pay $24300 or $33900 for a $23000 car
>Cashlords can just pay $23000 upfront

> buying a car this new
JUST

>wanting to buy a 2016 Toyota Camry
>wanting to buy a new car in the first place
>mfw

If you can make more than 1.99% interest by investing your money, why would you pay cash? Take out the loan for the car, and invest your money in something that returns 5%. Now your making 3%.

Except cashfags must wait until they have that cash to get it while creditgods can go buy it today. Really makes you think, huh?

Good goy, build that credit score! You can't do anything without a good credit score! Use that credit card, take out a loan! Spend that money!

My credit score is 675. Trying to get to 700 by the end of the year. 26 years old

Meh, I prefer to just drive junkers and replace them every 2 years or so. Not because I can't afford a new car or anything, but I've never been someone who really cared about having the latest and greatest car. If it gets me from A to B in one piece and isn't breaking down regularly, then I'm pretty content.

I spend probably $1500 or so every 2 years on my transportation vehicle, so I'm not doing too bad. Would just rather put that money into my nest egg than drop $20k+ on a vehicle I would only have like 5 years tops.

>owing another man or institution money is healthy

Good goy

That's a good. When you are limited to what you actually have the cash to pay for, you make better spending decisions. You better appreciate the value of a dollar. You might say...it really makes you think.

Oy vey, great thread goys!

This. Also take note that most mechanics drive fucking beaters because they know how much of a racket "muh new car" market is. Just get something reliable that is cheap and you're set.

>while creditgods can go buy it today
actually borrow it until you got the money to buy it

Toyota is probably the best car manufacturer out there for your everyday person but why would you buy a 2016? These cars are entirely electrical and have so many issues that can cost a shitload to fix. Electric cars are just a scam to get more shekels out of you

ITT cashfags too dumb to understand the time value of money or the fact that vendors have to raise prices to pay exchange fees for credit cards and that the just about the only way for the consumer to partially offset this fee is to use a credit card with some sort of rewards program.

who the fuck would take a 15% interest loan holy fuck. Also build your credit as you can. Shit is important for getting cars and a house.

Debt specialist here, ama

What sort of secure investments provide guaranteed 2% returns? Not index since the term of the contract is for few years.

How was your barmitzvah?

>Nuh man muh cash muh houz muh $800,000 in huna dolla biz muh dik

Literally nigger logic. Really makes you think, huh?

>worrying about getting 0.1% benefits that expire monthly and can only be used for certain purchases
>time value of money
>implying I will have more money if i buy now than wait later

>pay 200 dollars per year to use the card
>b-b-but at least I get 5% cash back on gas!*

I'm 30 years old and never had any kind of credit, loan, leasing or mortgage in my life.

I buy my cars in cash, I bought my house in cash, I have a transactor credit card that is attached to my bank account.

Why would I need a credit, a credit rating or shit like that?

For fucking real paying with cash is retarded you can get long term loans at near 4%.

who the fuck gets a card with annual fees go open an account at the credit union get a card though them. Once you build credit apply for cash back cards with no annual fees.

>he's so poor he has to suck Mr. Shekelberg's cock for money
feels good. keep sucking, goy.

>Use that credit card, take out a loan! Spend that money!
credit cards are pretty useful for things you cannot afford immediately but can pay back in a conveniently after buying

It's a measurement of your interaction with debt.
No debt no need for a credit score.

>This thread

>Using creditcards
>being a megabank cucksleave
It's like most of you haven't seen this video
m.youtube.com/watch?v=tGk5ioEXlIM

Based Rave Damsey is Based

I wish I could shit on him, but he makes some valid points, christfaggory and all.

Deadbeats detected. Try raising your credit score from the 650 and you might be able to get a decent credit card offer. I get 2% cash back on everything and it costs me literally nothing because no annual fees and I pay the balance every month. Plus I can track my purchases, dispute charges and get my money back from someone other than the merchant who ripped me off, but stuff online, rent a hotel room, but drinks on airplane...the list goes on and on.

my '16 camry runs on gas and i paid less than person A with 0% interest.

not bad for a chef at wendys with a 13 inch cock, eh?

Professional debt collector here.
I'll be seeing you.
Muahahahahahahahahaha!

glad this man is here for the retards who cant handle having a credit card.

i got ~750

i could probably step it up into the 800 range if i put my utilities on my card to diversify. maybe bought a car & put it on there too, same thing. apparently thats the only other thing they look for other than regular use & prompt payment.

>Pays $9600 more for the exact same vehicle at the exact same price

That's not how credit works. You're not paying for the vehicle; your paying interest on the money you borrowed to buy the vehicle in the first place, and that rate is based off of your history of being able to pay back debts.

>leasing something that immediately depreciates in value

Pay cash for liabilities and borrow on assests.

If you're over 20 and have zero credit, get a credit card and use it for a year. If you pay it on time every month you'll have over 730 credit.

Anyone buy furniture on card? I'm getting ready to move and got a credit card to buil my credit is furniture a good buy? Just a couch and a table

That's how I see it. I don't have $700 spending money at the exact moment for something, but by the time my statement posts I will. It's not hard to use a credit card.

I'm not talking about it running on electricity you idiot. The entire computer system is electrical and cannot stand to get wet or anything. Also there's a million different sensors that go off in it and can prevent your car from working correctly as it is entirely by computer. Also you aren't a chef.

\You are literally a nigger

Don't be a nig nog. Get furniture lightly used on local craigslist. Everyone says only niggers are gibs me dats but this thread is full of impatient niggers who can't wait to save for something they want. Dont be one of them.

I won't insult you even though you should be.

Look on craigslist, moving sale flyers, ask around for shit like this. Ask yourself if you want to lug around a couch and table when your lease expires just because you need to make more payments.

leasing a car is for fucking retards.

>doesn't have 700 cash
>admits he's financially irresponsible and to top it off he puts it on credit.

Oi vey! Mr. Goldstein says thanks goy!

>Friend literally had to move back in with his parents because he leased a new Acura and couldn't afford both rent and the car

I don't get how people make decisions this stupid

I don't want cumstand furniture from some NEET. And if I'm gonna pay $300 for a couch I want something that matches my shit

Just had to get mine checked last month when I rented a house with my buddies and it was at 773. Feels alright, but I need to start using my card more to get up over 800.

I plan on having the couch and table for 6-8 years. Unlike most channers I have a girlfriend and want to start a family to further my race

I have a credit card and prefer using cash
Credit is overrated.

I only use it for online purchases and everytime I buy something with the physical card, I always make sure I have that same value on my pocket, out of a paranoid fear of my card being rejected for some reason.

I do admit it is practical, but I prefer my bills paid upfront, not looming about

>Didn't realize I said spending money
>Didn't realize the implications that I budget well and have savings
>Didn't realize I said I do the math so I have the amount owed when the statement comes in so I can pay in full

Shoo shoo Mr Jew, I'm beating you at your own game.

ITT: poorfags bragging about their debt

Could you be more jewed than think credit is something to boast about?

B

No, but often they have their own financing that's very low %. As others have said, try craigslist. Look up natuzzi or similar brands that cost thousands new but sell for 700-1k. They resell well if you have to sell it. Another option is a small loan from a credit union. They're the best for small personal loans.

Don't pay in cash goy, it'll cost too much. You can't possibly save up that much money, and if you can then we'll have to tax you some more. Here, take this credit card and don't forget to check your meaningless credit score on our website. Remember, debt is your friend!

I don't want old ass used furniture though. I've done that for the last 5 years, I need to build credit anyway. I have the cash to pay for it but I figure putting it on the card and then paying it off will look good

Also I don't want a $1k couch. I would theoretically like to pay $500-$800 for both couch and table

>mfw millennials think low interest rates will be around forever

We want to kill credit, we want to destroy the banks.
Credit is me controlling whether or not you can buy anything.

>invoice price
2016

whew lad

never had a credit card
never took a loan
save up money until I can afford to buy something

why be a debt/interest slave?

My credit sucks. I don't really care either, because like most millenials I don't care to get a big house or a fancy car.

If you cuck score is below 780 you aren't white.

Post em.

I'm an electrician. I make $45 an hour. I bought my condo and car in cash. I have a pretty fucking rad savings account

Why on earth would I want to mingle with the plastic jew

IDK about you fags, but when I buy something, I want to own it. Not this, "Well I still owe money, but its technically mine," bullshit

if only the country worked like this. but it doesn't

you're going to be waiting along time to buy a home and if you do it'll probably be really crappy

is your balance paid off automatically? what card do you have?. my credit score is almost perfect.

Lending and debt has always been part of every society. And its always been your choice to participate in it, or not.

It is unfortunate that most people are not able to change their circumstance

Divorce the plastic Jew, my credit score is over 750 and I have one card with no balance. Just another way to screw up your life like student debt.

Some of us dont have that sort of self control, so we purposefully stay away from credit cards. I have plenty of cash for my needs and I'm okay with that. Its fortunate for you to be in such a position, but I dont care about 2% cash back and I can track purchases on my debit card

>being nigger-tier retarded and broke to not be able to handle debt responsibly

I make at least $500 a year in cash back off my credit card for simply using it and paying it off

0 debt
Impeccable credit

nigger-tier retard detected who doesn't know any good credit card has no fees and you can make money off it for free while building credit

>bragging about $500 a year

I can make that in two days of work if I hit overtime. Not impressed. For me, the temptation to over spend is not worth 2 days of work a year

See if you can raise the limits on your credit cards, but make sure that you don't charge any more on them. Credit utilization is probably the easiest credit score factor to manipulate.

>Bragging about working a nigger-tier hourly job that has overtime
>Refusing $500/year in your pocket for doing literally nothing but swiping a card to buy things you need either way
>Being a nigger-tier retard

Are you fucking stupid? Cash back on credit cards is just for using it. Its usually like 2.5%, but your 'making' money for doing nothing.

>making fun of electricians

Whats your computer plugged in to?

I already have more money than I need

yeh. bought a 99 camry 6 years ago for about 4000. about 500 total in repairs since then. this cars a tank

I don't fucks with no credit cards or loans, that's a slippery slope I don't want to be walking on.

I'm good with my 0 debt and hefty savings.

The difference in interest rates in the US isn't that high for someone with good credit versus no credit. Only people with bad credit, those who have defaulted on previous loans, get high interest rates.

When I had no credit and was buying a car, the difference between a loan primarily in my name versus someone with good credit was 10.99% versus 5.99%.

Im just improving my credit score to be able to cashing it up huge amount of money with low interest than a bank loan w/ less paper work

>Currently have $1,700 in cash back sitting in my account that never expires
>buying two free vacations this summer for doing nothing while you are on nigger-tier retardation

>saying no to free cash
>being this dumb in 2016
>being this autistic

Credit score is meaningless. Mine is 800 but the bank still told me there is no possible way they can get me a mortgage on a 400k house with 20-50% down even though I make 120k just because I have no prior loans on my credit history.

>in order to get a good interest rate you need to take on loans with bad interest rates first

Yeah no thanks. I'm not playing this kike game.

>$1700
>two vacations

Lmao how fucking poor are you? Enjoy your vacation to Dothan AL

Interest rates are only relevant to niggers or women ( what's the difference right ? ) that ever go in the red.

Men have a big cushion and prepare for all eventualities.

>he made this thread and he doesn't even understand what credit is

>hurf durf I pay cash
Interest-free finance, you dumb niggers.

>b-b-b-but muh annual card-keeping fee
That's why you stick it all on the one account and only pay one fee. Works out to be about 0.04% interest if you do it right - or at least it did for me.

It's exactly the same as paying cash, except I get to have all my shit right now while you faggots have to wait for it.

Based St. Thomas warned us about usury...