CREDIT IS A FUCKING SCAM

CREDIT IS A FUCKING SCAM

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maybe you should focus on being useful to a man

Maybe have money in the bank? They'll give you a card if you have more than $13 and an overdraft fee.

Dumbass my first credit card I put 500$ down to open that credit line and they give you it back after a year and you can sign up for other credit cards after. Fuck you

stfu + kys, credit is based

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>I don’t know how it works so it must not work but it some how does work because it’s obviously working! Reeeeeee!!!
>t zoomer

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Would bury

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only if you're using it like a retard.

What's your scores, bros? Mine are 807 and 802. I'm hoping they help me get a lower interest on a business loan someday.

i had a secured visa when i first started.
$500 limit with $500 put away in a GIC
if after a year i didn't fuck up they gave me my $500 back

it's called a secured credit card you dumb fuck

Lmao my bank was harassing me to get a credit card for over 2 years before I gave in and got one. Now they keep harassing me to up my 2k limit to 5k.

This. Sucks to suck I guess

I have like 100k credit limit. All you need is a job.

Anyone can start building credit by getting a secured credit card.

Am I a midwit for avoiding credit altogether? I understand there's such a thing as good credit but I systematically refuse to go near it for fear of getting burnt.

I used to think that way but frankly it's retarded. Credit is a powerful tool that almost everyone will need to have access to and use at one point or another. If I could do it all over again I would take out small personal loans for things like computers etc. and make triple payments on them. Having good credit literally saves you money over the long term with a small investment.

Avoiding credit doesn't make you a midwit, not having self control does

if you don't need a mortgage there's literally zero reason to get a credit card. everyone blabbering about their 3% back is coping with how much money they spend on useless shit and/or completely fine with giving ever more control over commerce to megacorp jews.

>secured line of credit
>implying I want to allow the bank to hold my own money as collateral for a loan

I just really really don't like the idea of this. I think it's beyond absurd. A bank should be able to give out a small line of credit to first time people without needing to do this. They've the fucking bank, they have enough money to take the minuscule risk of giving me a $200 line of credit.

I have been with my bank for 10 years. Over that period of time, I have maintained a balance between $15,000 and $25,000 at all times. I've never overdrafted or made any stupid mistakes. I put a steady paycheck into the account every single week. I am as low risk as it gets.

I inquired about a credit card. They told me that because I'd never had credit before, the ONLY thing they could do for me is give me a secured line of credit for $200 for 6 months, then upgrade me to an unsecured $500 line of credit. What a fucking joke. I find that insulting, that they couldn't take a quick look at my past 10 year history with them and see that I'm not a high risk borrower. I told them to go fuck themselves and emptied my account on the spot

oh God another goy who fell into the usury meme. Take this as a lesson and never handle jews your money ever again

>le good goyim points

>pays $500 for a credit card
>calls others dumbasses

The only thing you should be buying in your entire life on credit is a house. Everything else should be cash or debit cards. Your 2% rewards mean jack shit when studies show people spend 15% more at stores when using credit vs cash or debit.

>they have enough money to take the minuscule risk of giving me a $200 line of credit
they don't lol
haven't you ever heard of fractional reserve banking?

>but I dont want to put 500 dollars down for 6 months to prove my trustworthiness
these people are beyond help

>literally zero reason to get a credit card
What if I maxed out my cc to buy chainlink in 2018? Literally the only thing I've ever put on it lol

>Maybe have money in the bank? They'll give you a card if you have more than $13 and an overdraft fee.


> (OP)
>Dumbass my first credit card I put 500$ down to open that credit line and they give you it back after a year and you can sign up for other credit cards after. Fuck you

Shut up delusional boomers. I got denied a $300 PREPAID credit card at my bank after handing them $300 for collateral and had 5k in that same bank. Credit is a broken system that is a waste of time anyways.

But what about muh consoooomer protection?

Kek

Your secrets are safe with me kike

I'm not suggesting buying everything or even most of what you buy on credit, rather I'm suggesting buying things you know you can easily pay for, making large payments and accruing minimal interest and earning a high credit score early on so you can afford a house, car, a big business loan or take out a huge personal loan to buy guns and armor for Ragnarok.

>the bank cant afford to risk giving me a $200 loan that amounts to less than 1% of the total value currently in my checking account
Yes, actually they fucking can. They probably spend more than $200 a month just by offering
the free coffee in the lobby