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re: The credit card statement after the holidays hit hard

Posted on 1/2/24 at 2:13 pm to
Posted by Powerman
Member since Jan 2004
162231 posts
Posted on 1/2/24 at 2:13 pm to
quote:

I don't use a credit card. If you can't pay cash you can't afford it.


There are people much richer than you that use credit cards. That I can assure you.
Posted by notiger1997
Metairie
Member since May 2009
58184 posts
Posted on 1/2/24 at 2:17 pm to
quote:

It cracks me up to hear people justify credit card use for the points. These people are always broke dick mofos.


Sorry that you lack emotional control and can’t manage credit responsibly
Posted by TigerBlood17
Member since Jan 2014
1460 posts
Posted on 1/2/24 at 3:08 pm to
quote:

If you pay your credit card off every month, it’s pretty dumb to pay cash/debit….

Now, some places are charging 4% extra for using a credit card. This cancels out the points. You have to be mindful. It’s bullshite btw.
Posted by MrSpock
Member since Sep 2015
4351 posts
Posted on 1/2/24 at 3:17 pm to
quote:

It cracks me up to hear people justify credit card use for the points. These people are always broke dick mofos.



I wouldn't say always.
Posted by vidtiger23
Member since Feb 2012
4835 posts
Posted on 1/2/24 at 3:36 pm to
quote:

I don't use a credit card. If you can't pay cash you can't afford it.

Why would you say no to free money by just swiping a card and then taking 5 seconds to pay it through your checking account with an app?
Posted by Quatrepot
Member since Jun 2023
4053 posts
Posted on 1/2/24 at 5:01 pm to
I have never carried a balance on any credit card- never.
Posted by Carson123987
Middle Court at the Rec
Member since Jul 2011
66446 posts
Posted on 1/2/24 at 5:09 pm to
quote:

I don't use a credit card. If you can't pay cash you can't afford it.


Cap. I've never paid a dime of interest and I get back several thousand in cashback/points every year

Only complete retards use cash/debit
Posted by El Segundo Guy
SE OK
Member since Aug 2014
9620 posts
Posted on 1/2/24 at 5:12 pm to
quote:

Cap. I've never paid a dime of interest and I get back several thousand in cashback/points every year

Only complete retards use cash/debit


Yep. The only time I ise cash is the casino.

I have a card I put around 8-9k a month on and rake in benefits. Big difference between using a cc and having debt.
Posted by csgau
On the dock of the Bay
Member since Jan 2014
582 posts
Posted on 1/2/24 at 5:15 pm to
2 types of people. Those that pay interest and those that earn it. Be an earner.
Posted by gumbeaux
Member since Jun 2004
4468 posts
Posted on 1/2/24 at 5:19 pm to
quote:

Why spend what you don’t have?



It’s the American way….live on credit because you want expensive stuff.
Posted by Chief Hinge
There and Here
Member since Sep 2018
2909 posts
Posted on 1/2/24 at 5:27 pm to
quote:

Looks like I’m going to have to pull out one of those payday in advance loans again this year..


Go for it. The 300 percent interest rate and inevitable credit score decrease is surely worth it.
Posted by JasonDBlaha
Woodlands, Texas
Member since Apr 2023
2373 posts
Posted on 1/2/24 at 5:40 pm to
Impressive. Very nice. Let’s see Paul Allen’s card.

LINK
This post was edited on 1/2/24 at 5:46 pm
Posted by DVinBR
Member since Jan 2013
13001 posts
Posted on 1/2/24 at 5:58 pm to
pay mine off full every month, the credit card company pays me to use their card
Posted by Wildcat98USA
Member since Nov 2023
161 posts
Posted on 1/2/24 at 6:09 pm to
quote:

Now, some places are charging 4% extra for using a credit card. This cancels out the points. You have to be mindful. It’s bullshite btw.


I’ve seen this maybe twice, both at a mom and pop stores. Companies like AMEX bend them over and they like promote themselves as small business friendly.

The only reason my debit card ever comes out is for ATM withdrawals.

I get $400 in travel credits, free TSA, free airport lounge access, free baggage etc…and all have to do is clear my balance monthly.

Then special in other spends…my marriott card when staying there to get the bonus…

Amex gives 3% back on groceries etc
Posted by johnnyrocket
Ghetto once known as Baton Rouge
Member since Apr 2013
9790 posts
Posted on 1/2/24 at 6:26 pm to
Just save a few bucks each month for xmas spending.
Posted by Townedrunkard
Member since Jan 2019
8882 posts
Posted on 1/2/24 at 6:59 pm to
quote:

This screams of poor


Or trying to make it in Bidens new America.
Posted by geauxbrown
Louisiana
Member since Oct 2006
19511 posts
Posted on 1/2/24 at 7:19 pm to
Zero CC debt. Will never make that mistake again….and by mistake I mean being married
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