/biz/ - Business & Finance

[Anonymous No.49515340]

If you have a credit card, you're STUPID on STEROIDS!

[Anonymous No.49515365]

What if i pay it off on time, incur no interest, and gain off the points/cash back. Am i still stupid

[Anonymous No.49515383]

>>49515365
No, it means you are smart and are increasing your credit score

[Anonymous No.49515387]

>>49515365
no, you're just a faggot

[Anonymous No.49515421]

>>49515365

Get a load of this guy! I bet you have a car payment too!

[Anonymous No.49516353]

>>49515383

>go into debt so you can have a higher Goy Score

That's not very basado

[Anonymous No.49516395]

>>49515365
Do you really think they are giving out free money? How do you think credit cards make money?? You WILL lose and you WILL regret being irresponsible. The only sensible way to manage debt is to get rid of it completely. Zilch. Zero.

[Anonymous No.49516425]

>>49515340
I'll say it again

Dave's actual criticisms of the credit score system are pretty spot on but you should ignore his actual advice, having a good credit score is easier than none at all.

[Anonymous No.49516433]

>>49516353
You have down syndrome. Helps with lowering interest from future loans such as with a mortgage

[Anonymous No.49516439]

>>49516353
you pay it off with your cash and collect free money for doing so.

[Anonymous No.49516458]

>>49516395
>You WILL lose and you WILL regret being irresponsible.
You are all so fucking retarded it's not even funny. Literally just use a credit card as if it were debit. It's not rocket science. You're just an idiot.

[Anonymous No.49516522]

>>49516395
4% cashback on every rice and beans purchase you make for the rest of your life. if you ate 100$ a month in rice and beans and threw the cashback savings in the market you will have over 20,000 extra in retirement

this must be the fake dave

[Anonymous No.49516526]

NOOOOO you just can't NOT plan for {insert worst case scenario}

[Anonymous No.49516683]

>>49515340
fucked my life up and also off all my debt a few years ago and wrecked my credit score. after being charged over 20% apr on my credit card after 3-4 years of not missing a payment i guess i wasnt hard to fuck it off

inherited a house and some money, bought a 97 outback, have no intentions of ever getting a goy card again in my life. the fuck do i need a goy card for ? starting a business? yeah no plans on that anytime soon. good thing in california debts only stay on your credit scorer for 7 years if i were to ever care about it again. halfway to go.

my dad was legit a millionaire when he died and he always gave me advice to just fuck it off its not a big problem with the way cali laws are, he also fucked his life up young too so he had experiance.

when people tell me im missing out on credit like its some secret life hack i just dont know what to say. i dont think im missing out on much then again im not a consoomer

[Anonymous No.49516757]

>>49515365
this guy doles out advice for the retarded. I guarantee you that nobody who understands finance listens to him.

[Anonymous No.49516973]

>>49516683
>millionaire father
>inherits a house
I just dont get why credit scores are important, other people must be retarded or something

[Anonymous No.49517006]

>>49515340
I make several thousand per year in intro cash back bonuses. Churn the reward, cancel, move onto the next card. It's how I pay for my vidya purchases.

[Anonymous No.49517066]

>>49517006
i get about $2000 back every year in shoppers drug mart points. so i buy vidya and headphones top redeem points. when i have a shit ton i buy nintendo switches and sell them to locals kek

[Anonymous No.49517136]

>>49516458
>You are all so fucking retarded it's not even funny. Literally just use a credit card as if it were debit. It's not rocket science. You're just an idiot.

[Anonymous No.49517142]

>>49516395
>How do you think credit cards make money??
Merchant fees and dipshits who don't may their balances off. It's not my fault poor people are stupid, nor is it my fault the US govt won't cap merchant fees

[Anonymous No.49517500]

>>49515340
>>49515365
>>49515383
>>49515387
>>49515421
>>49516353
>>49516395
>>49516425
>>49516433
>>49516439
>>49516458
>>49516522
>>49516526
>>49516683
>>49516757
>>49516973
>>49517006
>>49517066
>>49517136
>>49517142
Credit cards are the most based system for transferring money from stupid people to smart people. You can immediately tell who is bad with money when you ask them what they think of credit cards. If they recoil from them or get scared of them, congrats, they're part of the people that hold up the debt system, that you profit off of.

I've told my sister to just get a credit card and pay it off in full every week, and she tells me "I don't want one just to ensure I don't end up in debt." These people are retarded and the entire reason there's a divide between the rich and poor. You will never create a system where everyone is equal, because everyone is not equal. There are stupid people, and there are smart people, and smart people will always know how to have more than others, no matter what kind of system you create.

[Anonymous No.49517538]

>>49517500
The system takes from the no credit and gives to the credit worthy.

[Anonymous No.49517574]

>>49515340
Amex rewards are top tier as long as you're not a mongoloid like Dave Ramsey.

[Anonymous No.49517791]

>>49515421
The perfect woman doesn't exi....

[Anonymous No.49519294]

>>49517500
the debt system that we have now is the genesis for the current state of the economy and when it blows up and explodes this post will be like a time capsule of a slave owner bragging how smart it is for getting rich off of his business. good job on being enterprising i guess but i just dont have any jewish blood in me myself so i dont see the appeal

but yeah, not sure if you meant to say this or what but if you think the ability to use a credit card responsibly is what separates the rich from the poor i dont even know what to say

[Anonymous No.49519370]

>>49517500
Credit cards are just a litmus test for poor financial responsibility and literacy