What do you mean you "don't have a credit card", user?

what do you mean you "don't have a credit card", user?

aren't you an adult?

Attached: PFkHn32.jpg (491x491, 39K)

Other urls found in this thread:

usdebtclock.org
twitter.com/NSFWRedditGif

Credit is an invention of the Jews, now go get your mother so I can slap her for letting you out dressed like that.

>tfw 28 and still don't have a cc because don't want to rack up debt

Attached: indifferent-pepe-large.png (906x799, 672K)

you made the right decision, stay strong against the financial Jew my brother

I'm actually a Jew myself, but okay.

Attached: indifferent-pepe-large2.png (906x799, 669K)

If you have any amount of self disaplin, you just use it on everything, and pay off those purchases 2-3 days later online. You only pay interest if that charge is carried for a month.
I do that, get 3% back on everything with a rewards program and use that to buy dumb shit, and I build a credit score.
I'm in my 30s and have never paid a cent if interest in my life.

Cards are very beneficial to build up good credit score. With a good credit score you will get the best rate for a mortgage or whatever else and many employers also check your credit score to see what kind of a person you are. I don’t understand the mentality of “I don’t want to rack up debt if I get a card”. Just don’t be a dumbass about it, pay it off every month and there won’t be a problem, treated like cash. And many cards give you little cash back on your purchases.

So you're wise to their ways and are avoiding the pitfalls of the common goyim. Good for you.

>Imagine being this poor and undisciplined
You just pay off your credit card immediately and that's it.

Attached: 1520977074674.jpg (540x534, 67K)

>get credit card
>do research on which type of benefits card is most appealing to you
>mine is 4% cashback per year
>pay all monthly bills on time to avoid interest charges
>bank effectively pays me to use their credit

you just gotta outjew the jews

>credit score as a status measure
america was a mistake

Good goy

> not paying cash for everything
> relying on good credit and loans to get thru life
that's a good goy

>what is inflation

You're not going to get very far in an economy built on debt without using it.
Inflation happens regardless of where your money is.

What the fuck are you talking about? Regardless of inflation it's still net positive cash inflow that I wouldn't otherwise be getting. I put all my discretionary and other spending on my card and then pay it off in full every month and get a nice rebate from mister Shekestein at the end of the year.

Also, inflation naturally benefits borrowers since the dollars they're forced to pay back are worth less than they were when they were borrowed. As a net borrower (cardholder) inflation benefits you.

Is this a meme or can Americans really not function in society without having a credit card score? What do you do if you genuinely don't have one? Just not have a car?

Attached: help.jpg (540x540, 30K)

oh you can stil! get a car, your monthly payments will be sky high though as you're considered a credit risk

You can function fine. Wasn't till my late 20s that I got one. The only thing that it does make road blocks for is a lone for a house purchase, but there are also government programs to assist with that even for first time buyers.
Its a good idea to have a good credit score, but its by no means an end all and there is usually alternatives. But you flat out need it for a bank loan... although if you're not a business I'm not sure why you would ever want that kind of debt.

Employers reject you for having a bad (or non-existent) credit score.

I've never had use for a creditcard.
My PINcard can be used everywhere.

So, what's a good credit card? I have Chase for debit, but I'm still deciding with them.

>no debt or need to make debt
>don't get hired because this means you are bad with money
How does America keep being on top of the world? Is it a ruse?

>How does America keep being on top of the world?
We've been gradually losing that title since the Bush administration.

>You just pay off your credit card immediately and that's it.
How is it better than a debit card?

>>bank effectively pays me to use their credit
retard, the merchant pays a percentage as well.

i'm 24 and don't have

a phone
a licence
a credit or debit card

31 with a phone, license and debit card.
You don't need any of those.

>tfw credit is ultra important for amerimutts
>tfw they are pressured to get in small debt when young so they can get in big debt when older
America is really a joke country

This is the reason they are on top though.
They brute force the economy.
It'll catch up with them but we'll be long dead by then.

Only American Jews are making bank

Credit score and 1%-5% back on spending usually.

I love how nobody talks about their debt, ever. Greece was 2 years of "pay denbts" memeing, but complete silence when it comes to burger debt.

usdebtclock.org

That's a big number.

But I have 4 with nearly 5k credit access

What the shit? It was climbing fairly fast, but how is it REALLY fast? I'm scared.

Govt. debt is irrelevant and US debt is lower than greece in terms of % of gdp.
Greece debt actually went down in absolute terms but rose in terms of % of gdp due to eu imposed austerity.

One with no annual fee

Actually i think that is illegal now

Get the DiscoverIT card. You get 5 percent which is higher than any other card, plus they double cash back rewards your first year, so really 10 percent cash back! Try earning 10 Percent at any savings account anywhere.

>tfw no QT princess to take shopping at the mall and max out multiple credit cards on

Because I'm unemployed, little girl

Also has a 14 month no interest charge if you pay the base minimum 35 bucks a month on your overall bill.

Makes me wish I were a rich dad with a spoiled daughter.

I think I need to get one at age 29 just for car rental purposes while traveling. Fucking retarded how dudes my age with shitty office jobs fellate each other over which chase card they have

Congrats, you are richer than most Americans.

>ywn get into crippling debt trying to make your family happy, go bankrupt, lose everything and shoot yourself in the basement after hearing your daughter call mommy's new boyfriend "daddy" for the first time

Why live?

Attached: CIA.jpg (556x575, 41K)

If you live in a major city/area with public transport, you won't really need a licence I suppose, though I live in a small city without public transport and it's basically required to do anything. Even employers won't hire you if you don't have a licence and own a car.

However I'll say I wish I didn't have a cell phone and I don't have cards of any kind either. It's better that way if you ask me.

Dude you gotta get a card, gives you a lifeline in emergency situations, seriously im getting dental work done, and if i didn't have the 5,000 line of credit on one card i wouldn't be able to get it done.

>4% cash back
Fucking where? Mine’s only a 2%.