/biz/ - Business & Finance

>>15451978
Never had that happen to me. Also my life's fine since I actually work and easy high pay job and know basic economics.

Maybe you you should worry about nogs and mudslimes raping your wives and children than asking stupid questions.

>>15452016

>>15451978
I use mine every month to buy gas and build a better credit score to help me operate my business.
I certainly don't need one, and I've never beem in debt.
Maybe your view as a European is wrong.

>>15451978
>Why do you go in debt and cry later how shit your life is?
Why do you pretend having a credit card automatically = being in debt? Some of us use credit cards for free cash back money. I exclusively use credit cards and spend only on that which I need and I pay off my balance in full every month. Only retards go into debt.

>>15452064
>>15452083
I asked only because of this.
We all know this will never be payed off.

>>15452091
The debt must keep tallying up to keep the (((game))) going. I think the plan is to have digital cash on the blockchain and debt control on it as well. Blockchain = lockchain. Prepare for the beast.

Didn't a Muslim stab nine people in France today and got high fives from passerby? I think you have bigger problems over there.

>>15451978
Credit cards are more convenient than handling cash. On top of that, I get 2.5% paid back to me for everything that I charge. Interest is never an issue because I automatically pay the credit card statement each month.

>>15452134
>Blockchain = lockchain
I think so too.

>>15452153
You sure?

>>15452050

>>15451978
I have a credit line somewhere north of $30k. I never use it to buy things I don't need. I use it responsibly to purchase regular things (Food for example) and pay it off immediately. We use goy cards to get cashback/reward points.The nice thing about credit cards over cash/debit is that if something is wrong with the product, the warranty is actually extended by the credit card company and you can always file a claim with a cc if the thing you bought is defective and the seller won't budge. With cash/debit, you're just fucked.

>>15452229
Big surprise.
Huge populations have higher crime than small ones.

>>15452269
EU divided into counties and states.
The population is 500 million.

>>15452310
Do you have one from 2019? 2012 was a long time ago anon.

if you use your cc like a debit card there are literally 0 downsides

>>15452325
It's here >>15452229
Just don't count non EU countries.

>2012 was a long time ago anon.
Not that long ago, the situation is mostly the same.

>>15452363
Ah ok, thank you. I was just wondering since the whole refugee thing.

>>15451978
I pay it all off at the end of the month and my card gives me 2% of everything I spend. Why the fuck wouldn't I use one

I use a credit card for my daily expenses because I pay back the balance every month, they come with very pro-customer fraud protection, and are just plain convenient.

Also they can provide liquidity when unexpected expenses rise up. Because almost all of my savings goes automatically into my brokerage account, I don't carry a large cash balance in my bank account. Taking money out of the brokerage takes a few days. Say the engine in my car blows up. I might not be able to cover the cost immediately. That's another place where a credit card can come in handy.

>>15451978
Not having any credit history here is worse than having bad credit. If they can't find a file on you then you will absolutely never be able to get any kind of financing for anything. If you have 49k cash for a 50k purchase nobody will give you the 1k.
It sounded stupid to me and I avoided it forever but you have more options open if you just play the game and take out cards and loans for the sole purpose of paying them and building credit.

Credit cards have a 0% APR introductory period when you get them. You can get yourself essentiallyan interest free loan as long as you pay it back within 18 months

>>15452050
Cope. The globalist sold you out. Europe is ruined and will become the shitworld. The US still has a spine and has a chance it can save itself as long as we fight off the left.

>>15452050
>the great replacement is a conspiracy theory

>>15451978
Why do they go in debt and cry later how shit their life is.

They do it for Israel because they are good goyim cattle

>>15451978
How do you buy big expensive items?

you build credit, and you get free stuff

>>15452064
(((building credit to build credit)))

ok...

>>15453719

With money, not debt

>>15452050
I love this chart because it shows the peak delusion of nonwhites and how much white people live in their heads rent free.
> 45% of the population is a single ethnicity
> HAHAHA MINORITY
> Implying chinks aren't gonna side with the whites
> Implying a good % of latinos don't self identify as white
> Implying all the remaining niggers, spics, mudslimes, chinks etc. will cooperate
I really just can't wait until the day comes to laugh at the idiots that thought it would be different

>>15451978
>Spend $1000 over 3 months
>Get $200 back

That's why.

>>15451978
Use them for almost everything, pay them off in full every month, and it’s pretty much free money. Just need to keep up with the best rewards. Getting a top credit score is nice too for future endeavors.

>>15452574
your post is the only cope here

>>15451978
Credit cards are not that uncommon in Germany. We use it too shop online, but we always pay it back at the month end. So without any interest.

>>15451978
I had a credit card for about a year (over a decade ago now). At some point, they stopped sending me paper bills. Now, I only got the thing on recommendation of my dad, who said paying off small ticket purchases will build my credit. Finally one day, another bill came in the mail, woth massive late fees and surcharges. Paid it off immediately, closed my account, haven't taken on an ounce of debt since. I absolutely refuse to spend money I don't have, and as a result, probably won't ever own a home.

>>15451978
better fraud protection, pulse they often give you a kick back on the1-2% fee they charge merchants.

You have been visited by Laura Dyatlov.

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