There are people on Zig Forums RIGHT NOW that unironically don't use a cashback credit card for all of their purchases

>there are people on Zig Forums RIGHT NOW that unironically don't use a cashback credit card for all of their purchases
Literally pissing money away, user

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I do this as well but it increases net costs because of the processing fee that the retailers pass on. Still doesn't make sense to not do it until nobody else does

>falling for the plastic jew

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3-5% cashback is ultra chad mode

I just dont own a credit card. I built my credit by taking out loans with a co-signer. Don't get a credit card, its a scam

>muh 2 percent back
credit is the devil and you're a selfish slobbering retard

Reminder that hating credit cards is just admitting you're financially irresponsible. If you use it responsibly, there's absolutely zero drawbacks to you as an individual and loads of benefits over cash. The only difference would be if everyone collectively stopped using debit/credit cards and retailers didn't have to factor processing fees into prices.
>pic related, financially irresponsible pepple when they hear about the great benefits of credit cards

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>yes goyim shop at these (((approved))) stores and receive (((points))) in return

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Literally free money

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>citi doublecash, 2% cashback no matter what
>amex bluecash everday, 3% at all major grocery stores
Neither have annual fees, neither force you into changing your spending habits. Just buy what you'd normally buy anyway at the stores you already go to and you purely benefit. Unless... You're bad with money that is. Or incompetent with credit cards. But you wouldn't be admitting that, would you user?

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>here you are goy, your free money for being a financially responsible individual that balances out our company's risk profile!

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You do realise that you’re paying more for your groceries and enabling this price increase, right? I mean, you wouldn’t seriously be proud of helping some kike fuck over everyone while also fucking over you, would you user?

Your implication is that I'm solely driving up prices on my own. Even if I stop using credit/debit cards, everyone else still will. You can view it simply as getting some of the money you lose from price increases back if you want. At the end of the day, it's not realistic to assume we're going to transition from a proto-cashless society to a society that purely uses cash. So you may as well get some of that money you're losing due to processing fees back.

Peanut IQ detected

>implying implying
see pic

I use my cash back cards for everything, feels so damn good.

Very interesting picture.

...

ITT: people who think they're saving money by spending more money

ngmi

I haven't used my credit card in well over 6 months. Debit or cash. Fuck credit.

Cash commands respect.

>NoOoOOoOOoO I CANT USE CREDIT CARDS I HAVE NO SELF CONTROL

>thousands of dollars in UR and MR points and can't get to thailand to bang hookers for atleast another 6 months

REEEE

I have two credit cards. I choose not to use them.

Not everyone has someone who will cosign loans asshole.

Yes get that 2% back, YOU are the smart one.

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>C-credit cards are good, guys! you’re just financially irresponsible to fall into the scam debt hole they’re banking on you to fall in!
How much are they paying you, goldstein?

On all purchases? Where are you getting that?

You have two scenarios:

Scenario A.

John has $100 and wants to buy a $100 watch. John buys the watch with $100 in cash. John is happy with his new watch. John also has $0 now.

Scenario B.

Escobar has $100 in his bank account and wants to buy a $100 watch. Escobar buys the watch using his Chase Freedom Unlimited credit card (1.5% cash back on every purchase). Escobar is a financially responsible man and immediately pays off his credit card balance. Escobar loves his new watch, and because of the cash back perks he now has $1.50 in his bank account.

Now /biz, I don’t give a fuck if it’s $1.50. Tell me which scenario is better? Fucking financially illiterate retards all over this board. Enjoy your cash perks losers.