![credit-cards[1].jpg](https://i.imgur.com/0XgpAM4.jpg "credit-cards[1].jpg")
What was your credit card bill last month? Did you pay it in full?
$639.02 and yes.
>>25319381
$4,928.00 and fuck no
Don't have a credit card, don't need one. House is paid off and I make by just fine
>>25319381
Poorfag here,
35k and yes?
Who actually has bad debt?
>Falling for the debt meme
No CC, if I don't have the full amount in my chequing account then I don't buy it
>>25319381
I spent about 10 bucks
paid if off
ayy
low utilization = good credit score
I think I had about a grand, yes paid it
>>25319381
I've never had a credit card in my life and I'm always fucking broke anyway.
>>25319470
35k in what currency?
If you spent 35k USD in one month then you're not a poorfag.
>>25319497
I pay of the full balance each month. Credit cards are convenient and net you free money.
>>25319450
What do you have against convenience? Cash is a chore.
>>25320028
>He's never heard of debit cards
>>25319450
Nothing at all. My debit card is very convenient and I never carry cash anymore.
>>25320098
>>25320089
Fair. I used my debit card instead for a while and I think I got $10 a month of free money from it, but then I got a credit card with better rewards. I was spending a lot more at the time because I was working full time.
>>25319381
No.
Only 29, had to move out at 23. Didn't have a credit rating when I moved out, but six years later I owe around $1,500 on one card, $700 or so on two more, I think $500 or so on another, all of which I only wound up maxing out when I was between jobs. However, since no full-time job I've ever had (including my current one) paid more than $30k, 3 of my 4 paychecks each month wind up going to rent and my psychiatrist (because most of them do not accept insurance) and the last one pays for food. I've never made enough to be able to pay off those relatively small debts, which in the span of six years have ruined my credit score likely for the rest of my life.
I think it was like $80.
Of course. I always pay it off in full, event hough I have 0 interest. I don't trust them, that shit would probably hurt my credit.
>>25319497
>Literally throwing away money when you could just use a credit card and pay it off in full
1-2%+ cash back, among other rewards. Also builds your credit and has much better protection than debt and cash. There's no reason to avoid credit cards if you aren't an idiot.
>>25321016
Then file for bankruptcy. Then your credit is only fucked for 7 years instead of the rest of your life.
