/brit/

refuse to get a credit card because I'm not poor

>im not like your typical yank, i call my friends here in america lad, mate and so on
>oh i love british music! only when i slow it down by 500% though
>ugh american tv shows are so shit...i only watch the UK office, fawlty towers and monty python

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Whos your favourite actor? Mines geoffrey rush. Watched a lot of films just because i saw geoffrey rush was in them.

>i thought one should only get a credit card if you can pay off what you buy in full the next month.
correct
they normally give you a "minimum monthly payment" which you can pay without incurring extra punishment but obviously the quicker you pay off your debt, the less you are impacted by interest

Just spent time with some south americans fucking hell set the next GTA there from the shit they were saying.

>if you can pay off what you buy in full the next month.
that sort of defeats the purpose.

the point of borrowed money is you to pay the cost of borrowing. if you can afford to buy something then you didn't need to borrow for it. My mum does this though because she's scared to use her actual debit card online

what happens if i buy loads of lads on Zig Forums gifts with a credit card and then kms
if i bought gifts for family or just one guy or my family i assume the card company would cancel the payment and they'd all be taken back, but if its distributed among enough people and if the company providing the goods/services has already been paid the credit card people would eat the loss right?

anyone ever received a hamper like this as a gift?
they're genuinely quite nice, especially if they're thoughtful

any particularly shocking tales?

This is the most depressing decade in history to be a young European male.

I use a credit card for online purchases because I don't trust them with my debit. Except Amazon.

the debt would be passed to your next of kin

>that sort of defeats the purpose.
no it doesnt.
if my funds for the month are low but i still need to get a big purchase then i'll use my credit card and pay it off next month after i get paid.

Definitely been cheated on

How is she so qt?

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mummy

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surely that's illegal without their consent

>My mum does this though because she's scared to use her actual debit card online
lol boomers

what a cretin

Actually disgusting

Daniel better be her gay friend. Just kidding, gays would never do this for a slag. Poor guy he definitely got cheated on.

okay you're still paying 1 months interest which was my point . sorry i was talking about people who aim to use a credit card without any actual lending because they pay it off within the same month

but using credit for something you can otherwise afford and paying it off in due time improves your credit score by proving to the bank you can handle your finances
doing it on something you'll be paying for anything (e.g. fuel) is an easy way to get credit score for essentially nothing

she just looks foreign

PENG
PENG
PENG

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>American universities unironically consider Sudanese and Somalis as white

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if you consent to execute someone's will then as well as taking on their wealth you also take on their debt

actually peng af

a thot in conservative clothing is still a thot

credit cards are inherently insured, say if you book a flight but then the airline company collapses, you'd be guaranteed your money back

I am actually fucking done with relationships
>in bed with my girlfriend
>ask her what she wants for Christmas
>jokingly says "a new dildo"
> I play along "not like you dont have like 5 already"
>"yeah true haha"
>we joke around and she gets hers out as a joke
>I am instantly annoyed, its a black dildo, not huge or anything but super realistic black dildo
>call her out on it in a joking way and she starts to get annoyed
>I get pissed off and ask why the fuck she has a super realistic black dildo with balls
>"Oh my god will you actually shut up you are so weird, I feel like I am dating so nazi incel from a BBC Three documentary
>throw her phone across the room and leave

if your life is in enough of a state for you to pull a stunt like that surely you don't have much of a will left to execute

she looks like the brown version of those other two tory women that look like robots

Okay then watch what I say then
If you like champagne, swing my way then
All the galdem', what am I gainin'
What I, w-what am I gainin'
Okay then watch what I say then
If you like champagne, swing my way then
All the galdem', what am I gainin'
What I, w-what am I gainin'

literally just free credit score
if you ever plan on getting a mortgage there's no downside

132696139
Mate, shut the fuck up

yes I'm aware of that and it's a silly argument because at this point it's just clutching at straws with whataboutism and you're bringing up things that aren't an issue so long as you aren't stupid

why

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Definitely Geordie looking that brown in fucking October.

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none of this happened
be quiet

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@132696139
wasnt worth posting the first time

>"Oh my god will you actually shut up you are so weird, I feel like I am dating so nazi incel from a BBC Three documentary

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lots of people die with debt, like on their mortgage, or maybe just on a credit card
i assume if you're killing yourself your life is in a bit of a state

LMFAAAAAAAAAAAOOOOOO

That use finished then? Think it’s for the best. Greener pastures and all that. Fuck I hate women so fucking much holy shit.

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>improves your credit score by proving to the bank you can handle your finances
its influence is negligible next to other things like income, job, co signs etc
and there are mortgage lenders who don't require a credit score. people just dont both shopping for them

plus people who argue this point always underestimate the psychological grip the credit card has on you. the bank has already won if you request a CC

who's arguing? those are just facts about credit cards that have lead to other people's decisions, which you seem confused by

The Pencil test is the only test that truly matters.

I was in bed with my gf this morning and she mumbled out some sleepy noises and went for a piss

>southwest asian not part of the asian column
>african countries not part of the african column
?????

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that fucking diana barnet needs to go

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Honestly the Muslims have it right. They will beat a woman for disrespecting them, they will kill you if you disrespect their heritage, culture or faith. Europeans used to be like that but now Europeans are all limp wristed faggots. Something has to change, somebody has to remove these invader parasites from our society and keep women in line.

it's literally free, doesn't matter if it's negligible
not everyone is as so apparently weak-willed as you

>African was only added to Black in 2010

kek

left is 100% a tranny

yeah these are the two i was thinking of
they genuinely dont look like real people they look like weird second life avatars hahaha

describe the stench and force of aforementioned piss

> If the government can subsidise Eat Out to Help Out, not being seen to give poor kids lunch in the school holidays looks mean and is wrong.

unironically a good take from farage

Nah, if I leave now she will try and expose me making shit up saying I left her causeI was shit in bed and found her dildo etc

stop talking about credit you massive virgins lmao

IN the bed???

go on then do something about it

Got a joke lads but its not really a joke yet how would i turn this into a joke

What did the middle class white 20something year old male from england say to the other middle class white 20something year old male from england?
Whiter than you muhammed

>, I feel like I am dating so nazi incel from a BBC Three documentary

lol

he's Ted Ruby, singer, songwriteeeeeerr

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lol no in the bathroom
dunno she flushed and I'm not in the business of piss sniffing

are nige

>"Oh my god will you actually shut up you are so weird, I feel like I am dating so nazi incel from a BBC Three documentary

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yep
the conservative point of "pay for your own children" is unironically fine too but they've fucked it by doing things like giving Serco £13 billion for an Excel spreadsheet at the same time

masterpiece

Why does rorke call everything communism?

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still no sign of the electrician
hope he comes soon cos i want to brew up some curry tonight

How can I when expressing patriotism or national pride or putting an ethnic or a woman in their place is legislated against? Most people have too much to lose to risk having a permanent mark on their record for simply following the rules of nature. Now we have an unnatural, atomised society. It’s sad.

the vast majority are weak willed. it's not even about being weak willed it's that they are living in social circumstances where they frequently need more money than they make.

do hate those trendy round glasses every twat is wearing nowadays
just looks like bollocksy hipster shite
fuck off you literal harry potters

Got a joke lads but its not really a joke yet how would i turn this into a joke
*gets my willy out*

WHO RUNS THE WORLD?
GIRLS

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Can't wait for the christmas bonus lads

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Opiate comedown

just want a couple of properties i can rent out to make the bulk of my income so then i have a comfy less than part-time job in an area im actually interested in.

not rorke's fault that modern commies have made communism about everything other than worker's rights

I get an extra $500 dollars as christmas bonus...

i doubt i'll be getting a christmas bonus this year, on account of the 'rona

Money now are more valuable than money in the future. At least if you do anything useful with them.

Paying 20-30% EARP is rarely worth it though.

Do Universal Credit Chad's get this?

Back in my days slowed down songs meant vaporwave not Doomercore

youtube.com/watch?v=aQkPcPqTq4M

those aren’t communists though, they’re liberals

that's the nation's children fed then
good job well done

It's the thin end of the wedge. Once the tories would start doing things because that's what looks good to the moronic public they might as well just start giving everyone free shit for votes

Business idea: socialism with a zingy nationalist twist

>£10
is this a joke?

mad that when this was introduced it was still £10, but that was in 70s money so it was actually a lot.

Something I've definitely noticed about UK posters that sets them apart from the rest, we're literally the only country that ever writes those long funny made up stories

youtu.be/hcyIbsyB5zw
for me its parappa the rapper

egalitarian meritocratic technocracy when?

The poonited shitdom of great shartstain

couldn’t imagine britain having a cushy government welfare system like Scandinavia has. something tells me it would fail spectacularly

mentioned

is this real

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never
the man who coined the term "meritocracy" considered it a bad thing.

That's how I usually tell britposters on other boards.

yeah thats because when someone else does it, your all
>FOY
>fuck off jf
>shan't be reading this
>blog on

My dream in life is to work part time in a shop like 2 or 3 days a week in the evenings so i dont feel like a total waste of oxygen and spend the rest of it playing ffxiv. Shame it's financially not possible

FOY

Sick of the tarqs on here
/brit/ is a proletarian general

Uniqlo turtleneck arriving tomorrow

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