I don't know how I ever lived before I had a credit card. It's so nice to be able to refuel my gas tank before my fucking paycheck comes in.

>>60656822 (OP)
is this what living "paycheck to paycheck" is?

>>60656822 (OP)

Bro.....

>>60656822 (OP)
>"it's nice to live on debt, you should try it fellow anons"
30 shekels were deposited to your account

>>60656822 (OP)
Credit cards are great. I get a free global esim, 4 lounges visits a year, no international tx fees, great points, all for 0 yearly fee. Another card, free phone insurance. Only niggers and retards and woman rack up debt, its so fucking easy not too, just dont buy shit you dont have money for. like, how is credit card debt even real? just dont buy shit you cant afford lmao

>>60656843
I pay the fucking balance down every month, I'm just not so anal about my checking account balance that I know whether I have X amount of money in it at any given time

>these are the americans calling other nations poor

>>60656850
What card is that anon?

>>60656850
nah they are for poor people and have no bribes like that in eu. literally only reason to use one is if you suck at budgeting

>>60656822 (OP)
I'm still afraid of credit cards
I got myself into serious debt, and knowing myself, I'd probably spend all my shido saving if I got another one, so I feel more at peace this way

>>60656822 (OP)
Ohhh that's why normies like credit cards.

It's because they're poors and it lets them spend money they don't have.

I literally never got the point until you made this post

You should probably work on having more money in your bank account desu what if you have an emergency that your credit limit doesn't cover or makes it so you can't pay your cc bill? Shit could spiral real fucking quick

Or you could just hold 1k in your checking instead of spending down to 0 like an impulsive toddler

Ive used cards before but dropped all when the rates got hiked, farming points is for the birds

>>60656941
In the US you basically have to get one and use it to build credit. Or else you straight up can't get housing since they all do credit checks.

>>60659421

>>60656822 (OP)
>>60659373
I just don't have this problem anons. I use credit cards responsibly and never get charged interest.
Life is good when you're not an impulsive retard with your money.

>>60656854
shut up brokefag

>>60659380
Yeah, it took me a while to realize as well. Had a normie friend who racked up 10k in credit cards. I asked him what he used it for, and he just seemed puzzled. "Stuff I guess". guy didn't make one purchase with the aim of making any more money. the /biz/reali mindset is extremely rare in the masses. most normies I grew up with had zero financial literacy, and just didn't understand they were spending themselves into a cage.

>>60659489
>he holds liquid fiat
lmfao

>>60659380
>>60656941
>>60656832
Low IQ opinions. The smart way is to put all of your savings and each paycheck in the stock market/crypto, but keep an emergency fund, and spend using the credit card. Credit cards you can pay off after 40/50 days so you'll have plenty of time to make the balance up. Meanwhile you're not holding fiat so your money is actually doing something for you. You're also building your credit score and getting rewards points and flight points. There's a reason all wealthy people use a credit card

>>60659373
everyone is in debt. I used to be afraid of it too, but since I've started using credit more deliberately, my financial situation has improved a lot.

if you're in the west, you should take advantage of how much is available, just be smart with your spending

>>60659624
You mean invest. You dont mean gamble it away? Even though its all gambling you mean invest in correctly. Because you can lose it all with options. Also i would take some chunk of money out of your account to try this out as a viable test run. This may not work for other anons situations
>>60656854
Same. I had to put money in my checking because I forgot thats on autopay.
>>60656941
No. You need to build credit.

Ive never had a credit card. Everyone who criticises me for this is poorer than me.

>>60659903
>You need to build credit.
You don't, but you can also just pay your bills on time

>>60656822 (OP)
bump

>>60659903
There's no such thing as investing correctly, that only comes with hindsight

>>60656822 (OP)
The only reason to ever get a credit card is to get the free $200 for buying $1000 worth of shit and never use it again.
Free 20% discount.

>>60656908
NTA but first one sounds like the US Bank Altitude Connect(?)
Not sure about second card because a lot of them have cell phone insurance

>>60656822 (OP)
bump