Why are normalfags so bad at using credit cards? Use it like a debit card and it's literally free money. Yet somehow all the normies I know rack up huge amounts of CC debt. They're not even poor or anything.

>>81865301 (OP)
free money lel :p

>>81865301 (OP)
Free money? You're retarded. You are making the credit cards rich and all you get in return is paying the credit card fees for all the services and products you buy... which are higher rates than your cash back or air miles. fucking idiot rightoid.

>>81865425
OP is correct that if you pay off your account every month, you get no interest and no fees, but you'll usually get cash back. Free money.
Or the alternative free money hack is to max out your cards, move to another country, and change your name.

>>81865425
Yes, it's free money for a month or two. You just need to actually pay your bill before they charge interest. If you're not capable of that you're probably better of without a credit card though

>>81865476
He's not right. You're paying a fee at the point of product purchase put by vendors that have to pay the cc company, and driving a demand for credit card usage instead of possible services that are actively used in other countries, open source or blockchain, and free. And can be more secure
Crypto nowadays is a scam but credit cards are a way more massive, entrenched scam.

>>81865522
Everyone pays the fee, it's already priced into the price of the product and not paid for by the credit card holder directly. Just like everyone pays the costs associated with handling cash too

>>81865577
UNLESS they explicitly say that they offer a discount if you use cash. So, carry cash too; cash is king.

Credit cards are the best for this one reason: you aren't buying anything with your own money until you pay off the card. So if somehow you get scammed or something else retarded happens you have a lot less liability when it comes time to actually pay that bill. You should always buy on credit first, then pay off the bill when it comes due, that gives you several weeks at least to deal with any bullshit if you manage to get scammed, you can almost certainly get your money back easily doing a chargeback request.

>>81865476
they hire people to look for you for that
you have to declare bankruptcy

>>81865301 (OP)
i will never get a credit card.