/biz/ - Business & Finance

[Anonymous No.12352234]

>"I own and use a credit card, i get airline points for all purchases made"

>"I just bought a new car for 0% finance, it was too good of a deal to pass up on"

[Anonymous No.12352304]

>>12352234
>”the student loans were worth the pedigree of the school I graduated from”

>”that new condo going up looks pretty solid, better get a 1/1 for $2600/mo”

>”so what if my starbucks costs me $6 a day?”

>”I didn’t want to go out on a Tuesday, but they made me”

[Anonymous No.12352307]

>>12352234
>"Anon, I know you paid cash for that new car 4 years ago and maintain and take care of it very well, but don't you wanna sell it and lease a new car to impress people at a stop light?"
A boomer actually said this to me more or less. Holy fuck the retardation.

[Anonymous No.12352310]

literally 99% of normaltrash are like this

[Anonymous No.12352311]

“So there’s this new craft beer place everyone is talking about”

[Anonymous No.12352329]

>>12352234
you must achieve absolutely nothing if your only Saturday night activity is complaining about normies

[Anonymous No.12352354]

>>12352311
"S-so you wanna go check out that new Ramen place?"

[Anonymous No.12352357]

>>12352329
I mean I’m not OP but 4chan is my go-to when I’m waiting to hear back about Saturday night plans
I’m in uni though so most of my friends don’t get back until tomorrow anyway, so I’ll probably be in tonight

[Anonymous No.12352360]

>"Debit cards and cash are stupid, why us them when you get no return back on purchases? I get 1% cash back on my Credit card for all transactions, it saves me money that i would have otherwise spent"

>"What do you mean you spend more using plastic anon. All those studies are bullshit, im smart with my credit card"

[Anonymous No.12352363]

>>12352234
>>12352307

>loans bad
>credit cards bad
>new car bad

[Anonymous No.12352366]

>>12352357
congratulations, you're a normalfag. now get out! this is our place.

[Anonymous No.12352377]

>>12352360
>”s-so what if I’ve got some debt, I pay it off in easy monthly payments”

[Anonymous No.12352383]

>>12352363
>"Anon, why have you got such a old car? Why dont you buy a new one, i got a good deal on finance, you can too, it was quick and easy"

[Anonymous No.12352388]

>>12352366
I haven’t been forever. People only started letting me go out with them after I started working out, improved my social skills, etc

[Anonymous No.12352393]

>>12352363
>I take out bank loans when i NEED money, as opposed to using them only when I want to expand my already successful business.
Kys creditfag

[Anonymous No.12352397]

>>12352388
if you even have a desire to be a normalfag you don't belong here

[Anonymous No.12352399]

>>12352363
Lol found the debtlet, how does it feel to be mr shecklebergs pay pig?

[Anonymous No.12352411]

>Haha payday finally. I know I'm going out tonight, aren't you anon?

[Anonymous No.12352412]

>“I want to talk to you about this business I run through this company called Primerica”

[Anonymous No.12352416]

>>12352411
oh god oh fuck I’ve said this exact sentence before

[Anonymous No.12352432]

>>12352363

[Anonymous No.12352443]

>>12352360
30yo boomer here, why do you hate credit cards so much? I don't like all the purchases being recorded but I buy most things online so someone is going to get me anyway. Aside from the airline points I enjoy other practical protections and benefits. There is an annual fee but travel insurance alone outweighs that cost. I like cash but it has become costly and impractical. Why would I use a debit card which gets me nothing?

[Anonymous No.12352452]

>"I just took out a loan for a new apartment that will be built in 2021, it was the last apartment so i absolutely had to buy it. I took out a $50,000 loan and used $10,000 on my credit card to pay the 10% down payment on the $720,000 apartment. It helped me break into the market"

>"What do you mean that was a stupid thing to do Anon? So what if i only make $80,000 a year by myself? I would have missed out if i saved, plus my girlftiend really liked that apartment. So what if she is unemployed and wont make contributions, and yes her name is on the title, so what?"

[Anonymous No.12352459]

>>12352443
>I buy most things online

[Anonymous No.12352468]

>>12352416
You know we can see your ID right? Or are you fresh from reddit?

[Anonymous No.12352474]

>>12352443

[Anonymous No.12352480]

>>12352234
Miles and rewards cards are great if you're not a dumbass.

[Anonymous No.12352491]

>>12352443
Nothing wrong with credit cards if you have them on autopay, have 0 annual fees, and only use them for necessities.

By the way, if there is anything you can buy with cash, pay in cash. Thats just extra spending money that the IRS doesnt have to see.

[Anonymous No.12352495]

>>12352443
Zoomers are retards

t. 26 yr old

[Anonymous No.12352507]

>>12352452
This would urironically be a smart investment if we weren't at the top of the housing bubble. There's gonna be a lot of amazing deals in a year or two.

[Anonymous No.12352511]

>>12352491
>Nothing wrong with credit cards if you have them on autopay

[Anonymous No.12352514]

>>12352480
>"I get 1 point per dollar spent, Anon? What do you mean 1 point is only worth 0.01 cents, i dont fly often so its a good way to earn points for flights, i got 1% cashback on the $1000 purse j bought yesterday, so what if thats only $10 back, i managed to use that on a small coffee from Starbucks, they are currently giving double frequent flyer points per dollar spent"

[Anonymous No.12352525]

>>12352507
>urironically be a smart investment

[Anonymous No.12352539]

>>12352480
Exactly. I charged almost $20k to my USAA credit card throughout 2018 and got $500 back in cash. Not a single penny spent on interest or fees.

[Anonymous No.12352559]

>>12352539
mE GOoD withh credit GFOOD grug bak 500 berry for purchase price go up no grug make lose on shaman rock pay

[Anonymous No.12352562]

>>12352525
My bad. I didn't read the ending where his gf is on the title and had no income.

[Anonymous No.12352569]

>>12352559

[Anonymous No.12352605]

>>12352491
0 annual fee cards offer few or zero benefits, there isn't a whole lot of reason to have one over a debit card except to literally overspend. I use credit card wherever possible to maximize return on the fee, I do not use autopay so I am forced to manually review spending at least once a month.

The effort to return ratio is great, it's really mostly zoomers who struggle, I used to as well but only held a small limit so I couldn't get myself into any real trouble. Most will be OK as they learn and grow into boomers themselves.

[Anonymous No.12352722]

>>12352605
>2% cashback
>fraud protection
If you're not a nigger, you get all the benefits without all the drawbacks. You put it on autopay, because it will pay before any interest is charged.

[Anonymous No.12352799]

>Who cares about cost?!? Who cares about sound quality!?! My Airpods look DOPE

[Anonymous No.12352822]

>>12352311
>>12352354
because good beer and delicious ramen is so wrong
>faggots

[Anonymous No.12352835]

>>12352722
>Implying Visa and Mastercard Debit dont come with the exact same protections

[Anonymous No.12352845]

>>12352514
>implying you can only pay for auxiliary goods with a credit card
Shit b8 m8 i r8 0/8

[Anonymous No.12352872]

>>12352845
Hey, sometimes you can but sometimes they only take cards. In that case 2% cashback > 0%, and 2% is a lot especially if you're in a low margin industry.

[Anonymous No.12352918]

>>12352822
>I like my IPAs really hoppy, almost grassy

[Anonymous No.12352933]

>>12352918
I prefer citrusy and dank
>you have the pallet of a 5 year old
>faggots

[Anonymous No.12352951]

wonder how many of these chad anon have to take the bus or catch a ride with mom

[Anonymous No.12352957]

>>12352951
we take uber

[Anonymous No.12352971]

>>12352443

Debt bubble

[Anonymous No.12352981]

So credit cards are just a Jewish trick to make us want to spend money even though we don't need to?

[Anonymous No.12352995]

>>12352981
Yes, just like Bitcoin.

[Anonymous No.12352998]

>>12352981

[Anonymous No.12353039]

>>12352981
Yes, as long as you are aware of this and only spend on necessities, and pay your bill on time there is nothing wrong with credit cards. Although, most Americans aren't able to accomplish this simple proposition.

By the way, if you have a girlfriend/wife just avoid credit cards altogether.

[Anonymous No.12353045]

>>12352722
I pay manually before interest is charged, but for boomers a month passes much more quickly than for zoomers so I do use forms of reminders to ensure I review accounts at minimum once per month. Any large or strange purchases I pay immediately to confirm the money is actually on hand. This is just what works for me.

[Anonymous No.12353062]

>>12353039
what if I said I had a gf/wife that paid for my expenses?
>inb4 stacey
>inb4 robots think it isn't possible

[Anonymous No.12353064]

>>12352998
I love the pic you posted, wonderin' if I share it, would you mind?

[Anonymous No.12353076]

>>12352329
You're here complaining too anon

[Anonymous No.12353079]

>>12352918

[Anonymous No.12353084]

>>12352951
Assuming you don't live in the middle of a big city, there's nothing wrong with owning a car as long as you keep it as cheap. Buy a used Toyota SUV (they last forever), get bare minimum insurance and get a dashcam so you can dispute any bullshit claims.

[Anonymous No.12353093]

>this is facts!

[Anonymous No.12353097]

>>12352468
Yes? I wasn’t samefagging mate

[Anonymous No.12353101]

>>12352998
I really really really like this picture

[Anonymous No.12353145]

>>12352971
This implies the holder will literally max out then eternally bang against the limit. This is pretty common, but more a zoomer problem because they have no control over retarded wants, they need to bang against zero dollars instead to save them from the cost of interest, but they generally have less real obligations so it isn't much of a problem for them to be broke all the time.

For boomers there are bigger fucking obligations than paying a credit card, if by the time you are a boomer you are still literally spending all of your money and living check to check then you need to make some serious changes or KYS

[Anonymous No.12353231]

>>12352981
Credit cards are ideally how you are supposed to pay for everything. There is literally no reason to have cash money sitting in a bank account. It should all be in a brokerage generating interest and dividends. You get your credit card statement and settle only the funds you need to pay the balance. This is literally how rich people live.

[Anonymous No.12353278]

>>12353231
Pretty much this, but I am not rich people so I merely keep expense money on hand, I don't spend enough to be moving money in and out of a brokerage like that

[Anonymous No.12353285]

>>12353231
Actually most rich people have ~10% of their money in cash. They recognize the importance of liquidity.

[Anonymous No.12353312]

>>12352234
>tfw own a visa infinite cc, never missed a payment, credit score slowly increased to 850, and have enough points to fly wherever i want
theres literally nothing wrong with this

[Anonymous No.12353316]

>>12353285
>2 million dollars in cash

They do not. Unless you are talking about middle class who would feasibly keep 50 - 100k on hand, but more likely it is tied up in their home

[Anonymous No.12353430]

>Yeah, I'm excited for the new IPhone. I've owned every generation of IPhone so I HAVE to get this one. When are you getting yours, Anon?

[Anonymous No.12353476]

>>12353316
Why would you not keep100K in your safe? Cash is so fucking convenient. And yeah they do.

[Anonymous No.12353536]

>>12352234

0% financing is actually amazing retard.

[Anonymous No.12353548]

>>12353476
Sure rich people might keep 100k, but a net worth of 1 million isn't rich, 20+ million is rich and 10% of that in cash is fucking retarded. Literally only poor people need 10% of their wealth liquid 'in case' they need to buy something like an impulse buy television not a fucking yacht.

[Anonymous No.12353947]

>>12352360
Credit cards are great if you don't carry a balance. If you use a card for everyday expenses and pay it off every month it really is free rewards.
Another benefit is when you want to refund something. YOUR money isn't tied up if you have to charge back.

[Anonymous No.12353980]

>>12353548
Well if we're talking 20 million, then cash and cash equivalents. Either way, rich people hold sizable parts of their wealth in cash.

[Anonymous No.12353992]

>>12353947
>if you don't carry a balance
I don't quite understand what this means. My statement balance is on auto-pay, but I usually have $200 that applies to the next statement. I've never not paid off the statement balance in full. Am I missing something?

[Anonymous No.12354599]

>>12352304
Seriously anon, should I just go to a community college for 2 years and then transfer to a 4 year for 2 years?
>in4 zoomer
I know, but im a senior and dont want to end up like a some damn millenial $80k in debt when I could be half as much

[Anonymous No.12354610]

>>12352918
This just proves that people who whine about soiboys are mostly just underage faggots who can't drink or grow proper beards.

[Anonymous No.12354709]

>>12353285
>>12353548
I don't understand the 10% in cash thing. If your in your 20's you should be taking on more risk. So why would I keep any amount in cash? Why not just keep a line of credit open?

>It makes no sense to use leverage or have revolving debt when you have are literally sitting on cash.

[Anonymous No.12354761]

>>12354599
Yes seriously very smart move. CC is so cheap and it's the garbage core requirement brainwashing classes for the first 2 years regardless of where you go
Pay less for the same trash, the last 2 years are the important ones

[Anonymous No.12354879]

>>12354610
There is not one proper beard in that pic

[Anonymous No.12354883]

>>12352234
>not buying everything on a credit card and paying it off instantly
it costs you no additional money, and it gives you a leg up if you want to get a house

[Anonymous No.12354911]

>>12354610
Basedcuck


Come at me at the octagon faggot

[Anonymous No.12354918]

>>12352363
I know you're being facetious but you made me laugh a lot. Upvote.

[Anonymous No.12354922]

Credit Cards are great for people with self control, which are honestly most people that have credit cards.
Most people think they are some sort of scam and the credit card companies / banks make so much money off of you, but really they don't. The fees are all on the merchants. (1-3%)

[Anonymous No.12354931]

>>12352383

>fool me once shame on me
>fool me twice, thats a new car

[Anonymous No.12354981]

>>12354599
No. It's one of those ideas that sounds OK in theory but in practice rarely works. The savings vs an in state 4 year college aren't that great, and odds are you'll just burn out or never get around to transferring.
https://www.cnbc.com/2017/05/17/starting-out-at-community-college-seems-like-a-really-good-idea-until-its-not.html
>Just 16 percent of students who began their education at a community college in 2010 successfully wrapped up their degree at a four-year school by spring 2016, according to data from the National Student Clearinghouse Research Center.
>In comparison, 62.4 percent of students who started at a four-year public university completed their degree within six years
Assuming you can't get into an elite (lets say top 30 or so) university, what you should do is go to the best in state school you can get into. If you can get into your state's flagship university, great, just go there. From the moment you set foot on campus. focus as much energy as you can on being as socially connected as possible. Talk to everyone in your dorm and join any club, organization or team that seems even remotely interesting. This is probably the best shot you're going to get at building a "normal" adult social life, so don't let it slip. Additionally, you should planning out your summers in the fall so that when the year ends you already have an internship lined up. Every school has resources dedicated to finding students internships, so figure out what they are and take advantage of them.

I promise you this will be much better for you long term then trying to save a few grand at a community college. It's just too easy to isolate yourself and drift off into some other shit if you're not surrounded by friends in that structured 4 year environment. You don't want to end up as a future 25 year old /r9k/ neet burnout wondering what the fuck happened to your life.

[Anonymous No.12355133]

>>12352799
Heli is landing with tailwind, not smart

[Anonymous No.12355180]

>>12354922
>Credit Cards are great for people with self control, which are honestly most people that have credit cards.
This works until you get a woman in your life. Then the banks reap their harvest.

[Anonymous No.12355197]

>be me
>military fag
>special debt reductions and bills in place to “protec” me
>abuse the fuck out of it.
>platinum card no annual fee no application fee
>use it for literally all bills
>accumulate free mileage points
>use the points and fly for free
Hur dur anon, where’s your cash?
>cash can be stole
>debit cards are often times not refundable if stolen
>credit cards offer protection and instantaneous cancellation
>Not linked to your bank acc

CReDIt BAD hur durr

[Anonymous No.12355247]

It bothers me when friends are bad with managing credit cards.

[Anonymous No.12355590]

>>12352822
When you get out of your 20s you'll gain clear thinking and realize that the best beers actually are the cheap rice lagers like Michelob Ultra and that craft beer is a meme

[Anonymous No.12355601]

>>12355197
Average person spends 15% more on every shopping trip when they use a card compared to cash. But don't worry you are getting 3% back in (((points)))

[Anonymous No.12355606]

>>12352234
>>"I own and use a credit card, i get airline points for all purchases made"
Why would I not use a credit card? It costs me nothing. No fees, no interest.

[Anonymous No.12355625]

>>12352360
I don't understand the deal between credit and debit card, why is credit card considered bad?
Ps: im 20yo living in a 3rd world country, pls no bully

[Anonymous No.12355630]

>>12352234
Does brainlet or NPC Wojack have a higher power level?

[Anonymous No.12355648]

>>12355625
In the third world credit cards are shit as you don't great rewards for using them.

Though they are amazing in the west as you get interest free money for 30 days, free rewards (I get 1.5% back), and you increase your credit score.

However, if you fuck this up the bank rapes you with like 20% interest and shits on your credit history.

[Anonymous No.12355650]

>>12355601
>the average person does this and that
The average person also isn't very intelligent.

[Anonymous No.12355667]

>>12352722
Be careful of residual interest (interest paid even when you pay the card off in full each month, it's on amount owed between the statement is sent and actually paying), otherwise you could be hit for 30%+ on some amount of what you spend each month

[Anonymous No.12355686]

>>12355648
So as long as i pay (((them))) back in a timely manner im ok?

[Anonymous No.12355709]

>>12355686
Yes, also set up auto pay so the payment comes out of your account automatically and you won't have to pay interest if you forget to pay on time.

[Anonymous No.12355726]

>>12352443
credit cards are okay if you don't have extra costs. many retards here have no clue about finance and just repeat everything out of context.

[Anonymous No.12355727]

>>12355709
Then why is biz shilling against them? I mean if i basically use it like a debit card i usually won't have to pay interest + i get the added benefit of cashbacks and stuff

[Anonymous No.12355783]

>>12352311
>>12352354
>New beers and cracking noodles are somehow bad

Only poor people hate this.

[Anonymous No.12355813]

>>12352363
O Y V E Y
Y
V
E
Y

[Anonymous No.12355839]

>>12352411
I miss being a brainlet and going out with mates on an absolute mad one.

[Anonymous No.12355891]

>Any degree is a good degree
>Just follow your heart and the money will follow
>There are lots of options out there if you cant afford it like loans
>My house is my retirement
>My house will only ever go up in value

[Anonymous No.12355895]

>>12352918
You faggots need a pint of good old British bitter.

[Anonymous No.12355899]

>>12352998
Gibe hedgepig

[Anonymous No.12355902]

>>12352363
why is taking loans/credit in america so fucking widespread?
I dont think I know anyone who does that here in europe. You either have the money to buy something, or you work and save up enough to buy it

[Anonymous No.12355904]

>>12355727
>listening to biz for financial advice

This board literally knows nothing about finance dude. And yes you're correct. Use it like a debit card and you're good to go.

[Anonymous No.12355909]

>>12353062
I’d say it better be worth the cost of plowing that 70yr old pussy into a hip-fracture every fortnight, you stud-whore.

[Anonymous No.12355910]

>>12352443
>i like cash but it costly
???

[Anonymous No.12355922]

>>12355902
your life is essentially controlled by your credit score and it's seen as normal to be in debt here. You're seen to be kind of strange and rich/poor/stingy if you don't have any. Consumerism and what not.

[Anonymous No.12355923]

>residential property is a productive asset

[Anonymous No.12355925]

>>12352388
Listen to this fella

[Anonymous No.12355944]

>>12355590
I’m 33, WSET 3 qualified and work in the alcohol industry. You are unequivocally full of shit. A varied and adventurous palate is essential to enjoy beer, rather than just get blackout on PBR and slap your wife when she sees you getting into bed with your daughter. Beers, lagers, bitters and sours are all awesome, just depends on what you feel like. Fuck outta here with that partisan shit.

[Anonymous No.12355953]

>>12353992

Most normie retards overspend when they have a credit card (they’re too dumb to “see” how much money they actually have) and don’t clear the balance monthly.

They end up spending more than their budget allows and pay minimum payments and interest, the cycle usually continues until their cards are maxed out.

Credit cards are a tool, used properly they can (and are) a huge boon to your personal finances, like it or not, credit bureaus use your available credit limit as a large factor for your credit score, which in turn gives you access to lower interest rates when you do make a large purchase.

TL;DR normies are fucking monkeys and treat CCs as free money and end up getting their wagie income sucked dry by interest because they bought 62 Mickey Mouse toasters for people they dont even like for Christmas.

[Anonymous No.12355994]

>>12353536

Not if the monthly cost of owning the car is higher than your mortgage

Same with electronics.

You might "save" money, but your smartphone is still good and you won't be happier because you get a 5 inches bigger television.
It's all tricks to get you to spend money you haven't earned yet

[Anonymous No.12356004]

>>12355922

This is accurate, my wife and I saved, were frugal beyond words to repair my credit score (father’s boomer business exploded in recession - convinced 18 year old me it was a great idea to use my SS# etc to open accts to keep clearly sinking business afloat, opened CCs in my name unknowingly) to buy a home.

Where we live renting is as expensive as buying a house, makes no sense if you can make it happen.

We got so much shit for not just renting “like everyone else,” 2 years later 750 score, 3% interest rate, 50 grand in equity.

Don’t take financial advice from normie brainlets.

[Anonymous No.12356190]

>my bank charges me fees for using the card if I don't pay before the statement is sent
>tfw I've had to pay fees a few times for being an undisciplined, disorganized fuck
I shouldn't be using this shit. in fact, I avoid using it, but sometimes I forget to carry cash.

[Anonymous No.12356226]

>>12352480
This is where you find out most people on biz don't know how to control themselves with a credit card without complete abstinence let alone exploit one with work related purchases

[Anonymous No.12356565]

>>12355601
oh, well if the average person does something, then it must be inevitable, huh?

[Anonymous No.12356607]

>>12353536
>0% financing is actually amazing

[Anonymous No.12356641]

>>12354610

basedboys cant drink or grow a proper beard

[Anonymous No.12356668]

>>12352311
Let's touch base at 3pm sharp.
I can't be late for my spinning lesson.
Stacey said they bake great ethnic raw paleo cookies as well!! XO

[Anonymous No.12356722]

>>12352443
If you're not a cuck, credit cards can give free extended warranties, travel insurance, cash back, fraud protection and cost you nothing except purchase info.

Sure some people spend more because they have a credit card. Doesn't mean you have to. Most people carry consumer debt too and are generally retarded regarding personal finance.

[Anonymous No.12356804]

>>12355727
I got shekels on my checking account with +1% interest on the entire balance.
Yep, it doesn't beat inflation.
But 1% of all that with no requirement to spend money and almost no risk of creating a debt.
Muh 3% cashbacks are literally a good goy reward for spending your money.
You are tricked into feeling good for spending on stupid shit.

[Anonymous No.12356829]

>>12352311
"Is it dog-friendly? I can't go anywhere without my emotional support dog."

[Anonymous No.12356844]

>>12352234
>"I just bought a new car for 0% finance, it was too good of a deal to pass up on"

Depending on your needs and situation this actually can be a really good decision.

[Anonymous No.12356895]

>>12352234
>Tfw I have all my crypto purchases from the last 2 years on two 0% credit cards

[Anonymous No.12356953]

I think car dealerships are pretty cool, I putting down a large down payment, interest is 1.4% however most of the cars are extremely reliable and the selection can't be beat.

[Anonymous No.12356996]

>>12355727
The thread didnt start out saying credit cards are bad. Boomers love taking out loans for everything so long as there is a line of credit they think they're entitled to it. So many of them lost their houses in 2008 because they put their house up as collateral and invested it in the markets. A lot of idiots think they can max out a credit card and then just pay the monthly fees and it's no big deal. Until of course they have 100k in credit card bill's.

[Anonymous No.12357016]

>>12355667
No it's not

[Anonymous No.12357066]

>>12355726
This entire thread in a nutshell actually. Basically Dave Ramsey retards regurgitating nonsense. Kek.

[Anonymous No.12357190]

>>12352605
>0 annual fee CC's as useless as debit card
Um no?
Spend $1000 you would have spent anyway, get $250 bonus on top of 1.5%.
(BOA travel rewards, no fee)
26.5% cash back not worth the effort of opening and closing it to you?

[Anonymous No.12357225]

>>12352311
is there good craft burger there too?

[Anonymous No.12357256]

>>12352363
lmfao
>rent bad
>eating out bad

[Anonymous No.12357257]

>>12356804
You have to spend a little bit though on groceries and transport, which is why you should take the free cash back as well as being frugal.

[Anonymous No.12357272]

>>12354981
Haha you fucking retard.
"Spend tens of thousands extra for socializing and better learning environment"

CC is a horrible environment to learn in, it's mostly niggers who drop out 2nd week. But it's cheap and if you have any discipline you get through it. It's so cheap my financial aid paid me 1k~ every semester on top of covering tuition. Took that money and travelled the world with my gf. But boy do I regret not smoking pot with idiots in shitty dorms & paying out the ass for the privilege.

[Anonymous No.12357360]

>>12353992
You’re not missing anything. As long as you never pay an interest charge you’re doing it right. That carry over to the next months statement is like a zero percent interest loan.

[Anonymous No.12357518]

>>12356844
>>12356953
How is buying a new car ever a good financial decision. Even boomers knew it wasn't.

>"You lose 30% as soon as you drive it off the lot"

[Anonymous No.12357640]

>>12352360
>not using a credit card to get points for free because of a study done on normies.

[Anonymous No.12357731]

>>12357518
Because on certain vehicles the used market is ass.