/biz/ - Business & Finance

[Anonymous No.55823089]

frens
do u have credit cards? why?

[Anonymous No.55823110]

[Anonymous No.55823114]

>>55823089
>>55823110

[Anonymous No.55823224]

>>55823114
so u dont have it?

[Anonymous No.55823248]

>>55823089
> what is cashback

[Anonymous No.55823630]

1. No
2. I dont need it

[Anonymous No.55823653]

>>55823089
The number one reason is banks will go to war over anything fraud related. If you get fucked with your debit card it isn't their problem. Other reasons are build a goy score. Infinite transactions with no fees, most bank accounts require a big minimum balance to void transaction fees.

[Anonymous No.55823666]

>>55823089
yes because i like making everything more expensive for debit card users

[Anonymous No.55824142]

>Reminder that babies born when XP came out are old enough to have credit cards and are almost graduating college.

[Anonymous No.55824162]

>>55823089
I have one because there are some things that won't accept my client/debit card (also limit differences). Apparently it's also easier to dispute a transaction in the unexpected event that someone other than me makes a purchase. But I have yet to take more than a day to pay off the credit card balance.

[Anonymous No.55824262]

>>55823666
Based Satan
Also, me getting hundreds of dollars on new, interest free credit cards while my retarded relative treads water paying the minimum on 2k of debt

[Anonymous No.55824283]

>>55823089
I have one credit card that I do all my monthly spending on.
>why?
Because I'm not a yuropoor moron. I spend my bank's credit that I can pay off with my next paycheck, while my debit account takes care of my monthly utilities, internet, mortgages and other services. This way I can have some extra cash in case of an emergency this month, while my day to day spending goes to my next month's interest-free period spend. You know the best part? The more money you make, the more credit you can afford. Welcome to not being a poorfag, poorfag. The more money you make, the more money you can afford to borrow. The richer become richer, the poorer become even poorer. This is the way it should be.

[Anonymous No.55824349]

My card has a $500 annual fee and I get about $1200 of value out of it every year. Never paid interest.

[Anonymous No.55824392]

>>55823114
Look for 12 month 0% Interest credit card deals that offer cash back from purchases. Just dont be a nigger and pay them off and you just got a free loan with cash on top of that. Also fuck this out of date boomer's advice.

[Anonymous No.55825684]

>>55823089
to build credit, but mostly because it's safer for online purchases

[Anonymous No.55825702]

>>55823089
I used to have 2 with about $100k of credit and a very very long credit history dating back to thr 90s but I closed them both. Then I opened another one with a different bank later for emergencies but I use my debit instead and often pay cash because I'm more careful with spending that way

[Anonymous No.55825724]

>>55823089
I just put my bills on my CC and pay it off every month.

[Anonymous No.55825743]

>>55823089
yes i have credit cards.

no i never pay them off...


i have about 5k in debt and now its time for my credit score to go down and go to collections

to avoid paying it off.

it will get wiped off my account in some years anyeays...

i did this in 2015, i racked up about 20,000 in debt, and never paid it off...


i live off unemployment medical and food stamps you think i give a fcuk that my 700 credit score will go to shit for a couple of years?

no, ium not gonna buy a house soon or a car


i have 10,000 k link and if i cant buy a car in a few years with that then big whoop

ill continue to live with my mom.


i live a high middle class life. eating organic grass fed beef organs, organic fresh fruit.

and i go for nice walks in the sun.

no job no stress... i cant belive you people pay taxes

[Anonymous No.55825745]

>>55823089
no I pay cash for everything because fuck merchants and I like to make roastie cashiers seethe when I open my wallet filled with $5k in 100s and have her count my change.

[Anonymous No.55825770]

>>55823089
no
i wanted one but mummy didn't let me because "it's easy to get tricked into debt"

i have hundreds of thousands networth, help my parents with their mortgage payments and graduated from economics university yet i am treated like a toddler

[Anonymous No.55825787]

>>55824283
> he doesn’t take advantage of rewards on everything

Ngmi

[Anonymous No.55825802]

>>55825745
Anon you must not visit diverse areas very often with that much fiat

[Anonymous No.55825809]

>>55825770
probably fat

[Anonymous No.55825832]

>>55825770
> economics university
> cares what parents say

Sir, just do what you think is best, even if it goes against your culture

[Anonymous No.55825853]

>>55823089
Yes. Because the economy is a scam and I don't like spending my own money.

[Anonymous No.55825948]

>>55823089
Yes.
- Fraud protection / chargebacks
- 2% (or more) discount on every purchase
- I'm not a moron so I don't carry a balance or pay interest

[Anonymous No.55825978]

>>55825770
>"it's easy to get tricked into debt"
>help my parents with mortgage and got a degree in economics
Yeah sounds like mommy was right lmao.

[Anonymous No.55825981]

>>55823089
Yes all of them with no annual fee

Discover 5% on random shit quarterly
Capital one 3% groceries and restaurants
Citibank 2% on everything

I apply for a new card every year or so when I make a big purchase so I can get a little something back.

[Anonymous No.55826038]

>>55823089
No I have Blackswan.
The AI-powered trading bot swiftly executes trades by analyzing news releases, allowing you to enter positions ahead of the market response, whether the news is positive or negative. You have the option to select the specific events you wish to trade on. For additional information, refer to their Twitter or website: blackswan dot biz

[Anonymous No.55826442]

>>55825802
You're right. And I mog all the npc still using credit cards when I open my wallet. Credit cards are way overplayed. Cash will always be king.

[Anonymous No.55826835]

>>55823089
used like 6 cards for gambling, still paying em off 5 years later
i fucked up real bad

[Anonymous No.55829075]

>>55823089
No, I am not making jews even richer. Credit cards are not designed for your benefit.