Is there a bigger sign of being a retard than having credit card debt?

Is there a bigger sign of being a retard than having credit card debt?

  1. 2 months ago
    Anonymous

    Yeah making this thread, retard

    • 2 months ago
      Anonymous

      Must be the homosexual in debt

  2. 2 months ago
    Anonymous

    no it's owing the hospitals thousands of dollars
    kms

    • 2 months ago
      Anonymous

      lol I owe the hospital a grand or so cause someone called 911 when I was blacked out on benzos and alcohol in public and passed out. I'm never paying that bill, fuckers didn't do shit I was fine just had to sleep it off would've been fine on the concrete.

    • 2 months ago
      Anonymous

      It's not a problem in the US. First you would contact the hospital and negotiate on account of not being able to pay. If that's not good enough, next you'll just declare personal bankruptcy. Over and done.

      https://i.imgur.com/eCcUBGH.png

      Is there a bigger sign of being a retard than having credit card debt?

      Acruing, maintaining and servicing credit card debt is the cheapest, most effective, most reliable way to build credit. Without building credit you can't get a loan for a car or a house. Yu vill own nossing and yu vill be happy.

      • 2 months ago
        Anonymous

        >Without building credit you can't get a loan for a car or a house. Yu vill own nossing and yu vill be happy.
        never taken nor will take a loan in my life. credit is worthless, I'm not playing your little israelite game. I buy up front in full with cash.

        • 2 months ago
          Anonymous

          >just save for 230 years goy
          my fucking sides
          Unless you're in a 3rd world country, then good on you. Most 3rd world countries still have reasonable income to house price ratios.

        • 2 months ago
          Anonymous

          Then you'll be a retard rentoid for life who'll own nothing because you were too stubborn to get a free credit card that you can pay off in full each month with zero interest.

          • 2 months ago
            Anonymous

            Not to mention every good is more expensive to account for the network fees, so if you pay cash you have to pay the fee, but if you pay with credit you get a small cashback that covers it and some extra.

          • 2 months ago
            Anonymous

            >just save for 230 years goy
            my fucking sides
            Unless you're in a 3rd world country, then good on you. Most 3rd world countries still have reasonable income to house price ratios.

            I accept your conditions 🙂
            I will choose to lower my quality of life if I must, for no reason more than simply to spite israelite like you who are seething uncontrollably that I am not being part of your made up financial game.

            • 2 months ago
              Anonymous

              >seething uncontrollably
              Why would I be? Idiots like you means less demand for valuable assets, thanks for the discount!

              • 2 months ago
                Anonymous

                It's not just a question of lowering quality of life, you are willfully deciding to permanently slave for shlomo to your dying breath, never able to retire even, because you're too stubborn to never pay interest yet still get credit.

                imagine coping this hard that your FUD is failing to bring in fresh meat for your zero sum usury scam

            • 2 months ago
              Anonymous

              It's not just a question of lowering quality of life, you are willfully deciding to permanently slave for shlomo to your dying breath, never able to retire even, because you're too stubborn to never pay interest yet still get credit.

              • 2 months ago
                Anonymous

                I find it pretty hilarious that you're saying that the guy who refuses to borrow money at interest is the guy who's selling himself out to shlomo. as opposed to you, I presume that means you think you somehow are not selling out to shlomo by.... paying shlomo interest to be in debt to him.

              • 2 months ago
                Anonymous

                The interest rate on credit cards paid on time is 0%, retard. This is why half the thread is mocking you for being retarded, retard. You literally get free money for using a credit card (cashback even on the worst of cards) while paying 0 in interest and still building credit. Instead you want to not only NOT get the free money, you also want to slave away your whole life for shlomo because of no credit in the event that you would like to use that option.

              • 2 months ago
                Anonymous

                i'm sorry you work a minimum wage job that doesn't afford you the luxury of having a surplus that you can save to pay for your own retirement
                credit cards really are the only option for burger flippers it seems

              • 2 months ago
                Anonymous

                >just save for 230 years lmao
                the absolute state

              • 2 months ago
                Anonymous

                it would suck to make $10 an hour, I agree

              • 2 months ago
                Anonymous

                I make $120 an hour. This is why I use a credit card, unlike you' who's too busy living in mommy's basement to understand how these basic things work.

              • 2 months ago
                Anonymous

                >I make $120 an hour
                >This is why I use a credit card
                A fool and his money are soon parted.

              • 2 months ago
                Anonymous

                yeah, there's a ton of things where you can make an extra 1-2% as long as you do it perfectly and never slip up once. (see also: stock trading) Ever consider why they're offering you that deal, anon? You remove a whole bunch of risk and complication by just saying "no, I'm not gonna play".

              • 2 months ago
                Anonymous

                They do it to bring prosperous financial opportunities to all citizens so that everybody can benefit and have a higher quality of life. Banks are based.

              • 2 months ago
                Anonymous

                Sorry anon, not everyone is clinically retarded like you.

                They do it to bring prosperous financial opportunities to all citizens so that everybody can benefit and have a higher quality of life. Banks are based.

                They make money on every transaction. By offering cash back, they make people use credit more than other means, which brings them more revenue.

  3. 2 months ago
    Anonymous

    When I was like 9 I grabbed some random financial self-help book off the shelf at the library and read a couple pages, it kept saying "never get a credit card". Some reason that stuck with me and now as a 27 year old man I've never had a credit card

    • 2 months ago
      Anonymous

      It's bad advice, you should have credit.
      You just don't spend money you don't actually have.

      • 2 months ago
        Anonymous

        >borrow more money so that you can borrow even more money!
        I think you mean a ~~*credit score*~~

  4. 2 months ago
    Anonymous

    Riding the little bus.

  5. 2 months ago
    Anonymous

    having a credit card

  6. 2 months ago
    Anonymous

    I have credit card debt and my net worth is still higher than yours, BROKIE

    • 2 months ago
      Anonymous

      God love you with all his heart.

  7. 2 months ago
    Anonymous

    >Paid off all my debt
    Feels good. I never carry a credit card balance from month to month. If I can't afford to pay for it in cash, I don't buy it, simple as

    • 2 months ago
      Anonymous

      Yes, that's the correct way to use a credit card.

  8. 2 months ago
    Anonymous

    Depends what you're using your credit for. Vacations and televisions sets? Yeah, you're a retard. Appliances or work you need done now? Smart and responsible. There is nothing wrong with using someone else's money now and paying them back with money you will have later.

    • 2 months ago
      Anonymous

      The most optimal way to use a credit card is to always have enough money to pay off-hand, but instead pay with the credit card and pay back when the bill comes. This way, you will build credit faster, get more money back, and will never be stuck in a situation where you're suddenly fired before you can gather the money to pay back your purchase.

      • 2 months ago
        Anonymous

        Yes but if you could always afford things off hand there would be little reason for credit. Hence credit cards.

  9. 2 months ago
    Anonymous

    I have two credit cards and don't have credit card debt. It's fine, just don't spend more than you can afford. I don't understand why some people are so afraid of credit cards

    • 2 months ago
      Anonymous

      some people are just vile antisemites, pay them no attention. credit is based, you need it to survive properly

  10. 2 months ago
    Anonymous

    opportunity cost, youre actually the retard

    • 2 months ago
      Anonymous

      >opportunity cost
      ....I wish I would have consoomed more...
      think of all those years I spent not having as much crap as I could have had if I'd borrowed more money...

      • 2 months ago
        Anonymous

        Unironically what people think on their deathbed, yes.
        >why did I waste my prime years living frugally and working myself to death instead of just buying the damn house
        >it was 100x more expensive by the time I saved the cash for it
        etc.

  11. 2 months ago
    Anonymous

    >"I'm not gonna participate in schlomos game!"
    >has a social security number or equivalent
    You were signed up when you were born bud. If you want to throw a tantrum and not even try from the get go it has nothing to do with the system and everything to do with how weak and obtuse you are.

    • 2 months ago
      Anonymous

      is it even legal to give birth outside a hospital in the USA? I imagine the FBI kicks your door down and throws you in prison if you don't inform the government that you had a child and get it registered in their database.

      • 2 months ago
        Anonymous

        It's actually one of the very few countries where it is truly legal. Then again, ruby ridge was legal, too.

        • 2 months ago
          Anonymous

          >the government besieged a home and murdered a man's wife, son, and dog
          why the fuck do government employees fucking love to shoot people's dogs so much?

          • 2 months ago
            Anonymous

            It's written in their manual that dogs are high-tier threats (which is kinda true to be fair, once it starts running, it's not easy to shoot as a human, it can incapacitate or even kill one agent, it can alert the owners, etc.)

            • 2 months ago
              Anonymous

              The Oklahoma bombing was completely justified and everyone working for the govenment deserved to die.

              • 2 months ago
                Anonymous

                Hear, hear my dude

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