if you make any financial decisions based on your good goy score you're ngmi

>>509505410 (OP)
seethe more creditlet you will never own a home

>>509505410 (OP)
>pay off student loans
>credit score goes down because those student loans are no longer in credit history
fuck the kikes and the jews

I don't have a credit score.

>>509505410 (OP)
But we gotta pump those numbers up.

>>509505410 (OP)
>have good credit score because you don't take out loans
>can't get loan because you have little history of taking out loans

>>509505410 (OP)
Number literally means jack shit unless you're planning to borrow money and go into debt (I'm not.)

>>509505410 (OP)
Anyone know why all my Credit Cards Online Portals have switched to giving you a FICO score instead of a Credit score out of the blue?

>>509505577
yeah, had the same
paid mine off 3 years early by paying 1.5-2.5 min payment a month
credit score goes down
wtf jews?

>>509505946
Every time I make a huge payment on a CC, they end up raising the Credit Limit.

>>509505410 (OP)
The only number that matters when it comes to finances is your net worth. Everything else is just a distraction

>>509505410 (OP)
I paid off a credit card then closed it down and my score tanked. It's all a jewish scam. I had like a 710 or something like that, I think 740 is the highest its ever been. Afterwards I uninstalled the experien app and didn't think about my credit since. Let the cards fall wherever they may.

>>509505410 (OP)
Reported to the ADL for massive antisemitism.

>>509506037
Never close a credit card unless it has an annual fee and you really don’t use it. By closing the card you screwed up your debt-to-credit ration by reducing your available credit.
The best thing for your credit score is to have the ability to borrow a lot of money if you wanted. As always, once you already have money then everybody wants to give you a loan.

>>509505410 (OP)

Shut up, anon. Society always needs law abiding citizens to run cover for ambitious people. Otherwise ambitious men could never succeed, let alone exist.

>>509506218
Could I pay it off but keep the card?
Thinking of paying off my debt with savings again but everytime it happens I lose like 50 pts.
I'd rather just save the payment money and invest or buy crypto.
It makes it easier to sell and swap vehicles when they're paid off

>>509506218
debt to credit ratio and it was a big part because I have a limited credit history so it lowered the average age of credit. I closed it because I was being a degenerate with it using it for shit that I didn't need to use it for. I made all my payments on time and in full but of course that didn't matter to the credit jew. I figure as long as I keep my good goy score somewhere in the neighborhood of 720 I'll have loan options to me.

>>509505410 (OP)
Oh no, I won't be eligible for predatory loans and suffer usury, how will I ever recover owning everything I purchase?

Lol good goy points don't effect the white man who has already been shut out in favor of stupid niggers. Let the system fall, it's funnier this way

>>509506559
>Could I pay it off but keep the card?
Absolutely. That’s what you should do. >>509506631
I hear you. Just cut up the card and clear it out of your online wallet or whatever next time. Best to “get rid of it” without actually closing the account.

a true masculine /pol/ Man would've already purchased land, in cash, and built his own house on said land, or he's looking to do that. and he would hunt for food and forage for mushrooms. he would only need jewish $ to buy bullets. he would ration and save his current bullets for defense, and use a 22 to hunt or crossbow.

yes, using credit is in general degenerate and ill-advised unless you know what you're doing and you need the extra "spending power"...granted you also have a way to pay it back. i believe the credit-jews don't really like it if you pay off the balance entirely, they want at least some interest.

i'm a late bloomer to recent CC trends, but i've learned some useful tactics:
>use paypal card and get 1.5% to 3% cashback
>use bilt to pay rent and get reward points
>a CC is very useful for staying at hotels, makes check-in easier than using a debit card
>CC is also great for travel.

in short if you don't plan on traveling, or financing a house/car, or using credit to spread out payments and have more fiat cash to trade/invest immediately, then you can easily Nignore the credit score.

did you go down the wrong path? are you a /fa/ggot who goes shopping at the mall or online for new clothes? it's never too late to start over. or you can just kys but that's messy and cowards way out.

>>509508376
think about the history of credit-kike BS, it's probably rooted in getting women to buy shit they don't need, immediately. back in the day when Sears and Kmart were fuggin HUGE in america, they offered "lay away" so that housewives could buy stuff basically on debt and pay it back. this was based on trust. that somehow morphed into credit cards, which are pushed the hardest at department stores like Macys.

like i said, a true /pol/CHAD either already made enough to live off grid, or is on the way to doing that, and has rejected this debt-based gynocracy plague that has engulfed the West. if you do get into debt, it gets worse and worse, even if it's "good debt" like a student loan (also totally unnecessary BS).

the term "financial treadmill" has been used here and there but is not that widely known. basically you get on that and you feel the need to make more and more, and use leverage to get rich faster. the whole concept of going to college to earn a higher wage is one example. many still getting laid off or struggling to find work despite having that 4 yr degree or masters.

>>509508785
Lay-Away did not give you the shit first before getting their money. It was a way for low-mid income families to get xmas presents early in October and just make payments on it till about a week before xmas when they would make their final payments and the merchandise would then be given to them. I don't believe it cost any extra to do this either...

>>509510045
“Free Layaway” used to be a standard advertising bullet point. It was a way for people to “force” themselves to save for a large purchase. Companies liked it because they got money before they had to actually part with their product.

>>509505410 (OP)
I couldn't even get a small loan with a 795 credit score... so I have no idea how any of that functions.

>>509510711
What are Credit Unions for $100 Alex.

>>509505410 (OP)

>modern social scores

>>509505410 (OP)
I don't have a personal credit card. I have my corporate card for business trips but that's it. I refuse to participate in such a cancerous middleman system, debit / cash is the only thing I will deal in

>>509510964
I was 20 years old once too

>>509512105
I'm 31 and own a house

>>509512590
Yea me too except I didn't put 5% down and tell people i "own" the house.

>Niggers mad

>>509505410 (OP)
I don't have a credit score but I admire the American Jews because they own American goyim and the whole world by extension.

>>509510711
Mine's been over 800 for several years now, but I just retired and I don't have income. Not really needed as I inherited about 1M the year before and don't need a new house, but they will bounce it up and down every time I make a large credit card purchase.

>>509510964
I keep a card for emergencies but I get about 12 percent interest on it. I don't think kids can get that kind of card. Normally, a debt card will take care of the mundane things..