/lounge/ - Lounge

If you pay the bill before the interest thingy every time, and have a card with rewards points for many of your expenditures, it's financially beneficial. I know a few people who use credit cards like this. Most people lack the discipline to benefit from credit cards.

theyre brainwashed by the colourful bombastic ads to believe so

I've never maintained a balance on my credit card for over a week. I misplaced my debit card and had to put a small vacation on my credit card which brought my running balance up to what I think was under 20% of its maximum and I lost like 60 points off my 800+ credit score despite paying it off in under three days. LOL

don't use the plastic jew.

I have never once owned a credit card and I never will. Credit cards are scams and the only justification anyone ever has is "but your credit score", as if I'm supposed to care about some made-up Jewish bullshit. Fuck Jews.

it's a side effect of being circumcised

There's a few reasons. Firstly because the goyim need to build their credit to get basic loans for things like housing(and even landlords check your credit if you're just trying to rent LOL!). 2. They get fucked by emergency expenses they can't afford right away, like car repairs. 3. Some people are niggerlicious and don't understand how APR works, and think it's basically free money. 4. People are constantly hounded to open lines of credit. You could be at the gas station, the super market, or the pharmacy and the cashier will try to goad you into opening a credit card with promises of free points.

>>115503
There are so many things wrong with Australia I could write a 2000 word essay on them as a warm up.

>>115541
do it

>>115562
whats the dilution if all of india were to be emptied into the neighbouring countries? will it cripple respurces?

>>115562
I agree, let's kick the crackers out. gb2/yurop