Current Events > 30 year olds outlook on credit cards

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TrollTrace 12/20/21 3:36:31 PM #1:	Used to think they were a scam but you can get 1%-5% cash back per year which averages out to about $250/year per every $10k spent. That is actually a solid discount that can go towards paying for a vacation. All for spending your money how you normally would. <cite>TrollTrace posted [p:961079440] in 30 year ol... [t:79819052]...</cite> <quote>Used to think they were a scam but you can get 1%-5% cash back per year which averages out to about $250/year per every $10k spent. That is actually a solid discount that can go towards paying for a vacation. All for spending your money how you normally would. </quote> ... Copied to Clipboard!
Smashingpmkns 12/20/21 3:40:54 PM #2:	Credit cards are bullshit but not utilizing them means you're leaving money on the table. Even worse, you're paying for other people's rewards through regular cash transactions regardless. --- http://i.imgur.com/x04tPRZ.jpg http://i.imgur.com/t7T392I.jpg <cite>Smashingpmkns posted [p:961079547] in 30 year ol... [t:79819052]...</cite> <quote>Credit cards are bullshit but not utilizing them means you're leaving money on the table. Even worse, you're paying for other people's rewards through regular cash transactions regardless.</quote> ... Copied to Clipboard!
SparkClark 12/20/21 3:45:06 PM #3:	Smashingpmkns posted... Credit cards are bullshit wut credit cards are awesome if you're responsible with them and understand how they work --- {;(~) otherwise known as Giant_Aspirin <cite>SparkClark posted [p:961079668] in 30 year ol... [t:79819052]...</cite> <quote>Smashingpmkns posted... </cite> <quote>Credit cards are bullshit</quote> wut credit cards are awesome if you're responsible with them and understand how they work </quote> ... Copied to Clipboard!
Mearcstapa 12/20/21 3:47:25 PM #4:	If you're not gaming credit cards for rewards and sign-up bonuses, you're doing it wrong. --- after years of waiting nothing came <cite>Mearcstapa posted [p:961079737] in 30 year ol... [t:79819052]...</cite> <quote>If you're not gaming credit cards for rewards and sign-up bonuses, you're doing it wrong. </quote> ... Copied to Clipboard!
Legato-and-Vash 12/20/21 3:47:40 PM #5:	I've had my Capital One credit card since 2017 and have paid $0 in interest. And am definitely in the $1000s for cashback received. Literally free money for me. I'm sure they hate me. --- *~Sincerely yours, Legato and Vash~* Twitch: https://www.twitch.tv/kid_prodigy23 <cite>Legato-and-Vash posted [p:961079747] in 30 year ol... [t:79819052]...</cite> <quote>I've had my Capital One credit card since 2017 and have paid $0 in interest. And am definitely in the $1000s for cashback received. Literally free money for me. I'm sure they hate me. </quote> ... Copied to Clipboard!
SparkClark 12/20/21 3:49:43 PM #6:	Legato-and-Vash posted... I'm sure they hate me. they get a slice of every purchase you make so nah, they cool --- {;(~) otherwise known as Giant_Aspirin <cite>SparkClark posted [p:961079803] in 30 year ol... [t:79819052]...</cite> <quote>Legato-and-Vash posted... </cite> <quote>I'm sure they hate me.</quote> they get a slice of every purchase you make so nah, they cool </quote> ... Copied to Clipboard!
PatrickMahomes 12/20/21 3:49:44 PM #7:	credit cards are literally free money as long as you aren't an idiot and missing payments or doing stupid things with them get a credit card but don't change your spending habits = free money --- https://i.imgur.com/cEQy3f4.png / https://i.imgur.com/gWKaLHC.png https://i.imgur.com/u6JR7qX.jpeg <cite>PatrickMahomes posted [p:961079804] in 30 year ol... [t:79819052]...</cite> <quote>credit cards are literally free money as long as you aren't an idiot and missing payments or doing stupid things with them get a credit card but don't change your spending habits = free money </quote> ... Copied to Clipboard!
Veggeta_MAX 12/20/21 3:49:56 PM #8:	My Chase Freedom added another 1500 to my spending limit. They're hoping I spend so much money that I can't pay it back so they'll eat me in interest LMAO. --- I'm Veggeta X's alt <cite>Veggeta_MAX posted [p:961079806] in 30 year ol... [t:79819052]...</cite> <quote>My Chase Freedom added another 1500 to my spending limit. They're hoping I spend so much money that I can't pay it back so they'll eat me in interest LMAO. </quote> ... Copied to Clipboard!
UnholyMudcrab 12/20/21 3:50:17 PM #9:	I'm 27 and have never had a credit card --- http://i.imgur.com/VeNBg.gif http://i.imgur.com/gd5jC8q.gif http://i.imgur.com/PKIy7.gif http://i.imgur.com/3p29JqP.gif <cite>UnholyMudcrab posted [p:961079815] in 30 year ol... [t:79819052]...</cite> <quote>I'm 27 and have never had a credit card </quote> ... Copied to Clipboard!
wackyteen 12/20/21 3:50:40 PM #10:	PatrickMahomes posted... credit cards are literally free money as long as you aren't an idiot and missing payments or doing stupid things with them get a credit card but don't change your spending habits = free money This is where I messed up. I changed my spending habits <_< --- The name is wackyteen for a reason. Never doubt. <cite>wackyteen posted [p:961079829] in 30 year ol... [t:79819052]...</cite> <quote>PatrickMahomes posted... </cite> <quote>credit cards are literally free money as long as you aren't an idiot and missing payments or doing stupid things with them get a credit card but don't change your spending habits = free money</quote>This is where I messed up. I changed my spending habits <_< </quote> ... Copied to Clipboard!
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TrollTrace 12/20/21 4:00:55 PM #12:	Smashingpmkns posted... Credit cards are bullshit but not utilizing them means you're leaving money on the table. Even worse, you're paying for other people's rewards through regular cash transactions regardless. But you should utilize them. The problem comes when you have an awful bank. If you have a competent bank and can manage all your cards through them, all you are doing is transferring balances every month, very manageable stuff. Then at the end of the year you can redeem your points. I mean, it is a no brainer here to use them but you have to use them on your normal every day purchases and not to floss on people. If you spend $10k/year on stuff it can pay for your phone bill every month. With those savings you can invest it into a mutual fund and end up with 5%-15% more at the end of the year. <cite>TrollTrace posted [p:961080108] in 30 year ol... [t:79819052]...</cite> <quote>Smashingpmkns posted... </cite> <quote>Credit cards are bullshit but not utilizing them means you're leaving money on the table. Even worse, you're paying for other people's rewards through regular cash transactions regardless.</quote> But you should utilize them. The problem comes when you have an awful bank. If you have a competent bank and can manage all your cards through them, all you are doing is transferring balances every month, very manageable stuff. Then at the end of the year you can redeem your points. I mean, it is a no brainer here to use them but you have to use them on your normal every day purchases and not to floss on people. If you spend $10k/year on stuff it can pay for your phone bill every month. With those savings you can invest it into a mutual fund and end up with 5%-15% more at the end of the year. </quote> ... Copied to Clipboard!
TrollTrace 12/20/21 4:06:58 PM #13:	UnholyMudcrab posted... I'm 27 and have never had a credit card Like someone said here, get one and do not change your spending habits. Basically free money. I am going to get the chase freedom card after we get our mortgage figured out. Just going to put all my monthly expenses on it and pay off my bills to 0 at the end of the month and rake in the rewards. <cite>TrollTrace posted [p:961080271] in 30 year ol... [t:79819052]...</cite> <quote>UnholyMudcrab posted... </cite> <quote>I'm 27 and have never had a credit card</quote> Like someone said here, get one and do not change your spending habits. Basically free money. I am going to get the chase freedom card after we get our mortgage figured out. Just going to put all my monthly expenses on it and pay off my bills to 0 at the end of the month and rake in the rewards. </quote> ... Copied to Clipboard!
HylianFox 12/20/21 4:07:05 PM #14:	I'm 35 and have never used a credit card I only spend money that I actually have --- This is my signature until I can think of a better one. <cite>HylianFox posted [p:961080277] in 30 year ol... [t:79819052]...</cite> <quote>I'm 35 and have never used a credit card I only spend money that I actually have </quote> ... Copied to Clipboard!
SparkClark 12/20/21 4:15:14 PM #15:	HylianFox posted... I'm 35 and have never used a credit card I only spend money that I actually have i almost exclusively purchase things with a CC and have done so for ~20 years and i, too, don't spend money i don't have. i just watch my balance and know how much i have coming in the next paycheck (salaried employee). i've never paid a cent in interest fees. in addition to rewards (ie cash back) you get added consumer protection when buying with a CC. it's much easier to reverse a charge you haven't paid for yet than it is to get money put back into your back account (ie spending with debit / check). you also get a whole bunch of consumer protections with credit cards you never see if you use debit. --- {;(~) otherwise known as Giant_Aspirin <cite>SparkClark posted [p:961080508] in 30 year ol... [t:79819052]...</cite> <quote>HylianFox posted... </cite> <quote>I'm 35 and have never used a credit card I only spend money that I actually have</quote> i almost exclusively purchase things with a CC and have done so for ~20 years and i, too, don't spend money i don't have. i just watch my balance and know how much i have coming in the next paycheck (salaried employee). i've never paid a cent in interest fees. in addition to rewards (ie cash back) you get added consumer protection when buying with a CC. it's much easier to reverse a charge you haven't paid for yet than it is to get money put back into your back account (ie spending with debit / check). you also get a whole bunch of consumer protections with credit cards you never see if you use debit. </quote> ... Copied to Clipboard!
Cuticrusader09 12/20/21 4:18:03 PM #16:	HylianFox posted... I'm 35 and have never used a credit card I only spend money that I actually have My credit cards are paid in full every month. I dont think Ive ever used my debit card for payment. --- AC - Violet on Penny. (N), Rose on Sapphire (S) <cite>Cuticrusader09 posted [p:961080588] in 30 year ol... [t:79819052]...</cite> <quote>HylianFox posted...</cite> <quote>I'm 35 and have never used a credit card I only spend money that I actually have </quote> My credit cards are paid in full every month. I dont think Ive ever used my debit card for payment.</quote> ... Copied to Clipboard!
Arcanine2009 12/20/21 4:19:40 PM #17:	I regret getting the Alaska airlines card. I dont even travel that much,. but the kicker is I get charged once year like $70 or something regardless. Definitely shop for the best Cashback or mileage, and look for cards you don't have to pay an annual fee for. --- Less is more. Everything you want, isn't everything you need. <cite>Arcanine2009 posted [p:961080630] in 30 year ol... [t:79819052]...</cite> <quote>I regret getting the Alaska airlines card. I dont even travel that much,. but the kicker is I get charged once year like $70 or something regardless. Definitely shop for the best Cashback or mileage, and look for cards you don't have to pay an annual fee for. </quote> ... Copied to Clipboard!
Nemu 12/20/21 4:22:07 PM #18:	The only real reason to avoid getting one is if you know you are bad with money management, but having that foresight means you probably arent. <cite>Nemu posted [p:961080689] in 30 year ol... [t:79819052]...</cite> <quote>The only real reason to avoid getting one is if you know you are bad with money management, but having that foresight means you probably arent. </quote> ... Copied to Clipboard!
Doe 12/20/21 4:22:32 PM #19:	I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21 --- https://i.imgur.com/u5kY6Yt.gif https://i.imgur.com/V6HBhkR.png <cite>Doe posted [p:961080703] in 30 year ol... [t:79819052]...</cite> <quote>I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21 </quote> ... Copied to Clipboard!
Will_VIIII 12/20/21 4:22:36 PM #20:	I've never paid interest on my one credit card. --- http://i.imgur.com/ZWNgMXL.jpg "Do not speak to fools, for they will scorn your prudent words." - Proverbs 23:9 <cite>Will_VIIII posted [p:961080705] in 30 year ol... [t:79819052]...</cite> <quote>I've never paid interest on my one credit card. </quote> ... Copied to Clipboard!
Cuticrusader09 12/20/21 4:24:11 PM #21:	Arcanine2009 posted... I regret getting the Alaska airlines card. I dont even travel that much,. but the kicker is I get charged once year like $70 or something regardless. Definitely shop for the best Cashback or mileage, and look for cards you don't have to pay an annual fee for. Do a product change on the card into a no annual fee one. Most banks let you do that. Its not hard. --- AC - Violet on Penny. (N), Rose on Sapphire (S) <cite>Cuticrusader09 posted [p:961080756] in 30 year ol... [t:79819052]...</cite> <quote>Arcanine2009 posted...</cite> <quote>I regret getting the Alaska airlines card. I dont even travel that much,. but the kicker is I get charged once year like $70 or something regardless. Definitely shop for the best Cashback or mileage, and look for cards you don't have to pay an annual fee for. </quote> Do a product change on the card into a no annual fee one. Most banks let you do that. Its not hard.</quote> ... Copied to Clipboard!
Kuuko 12/20/21 4:28:00 PM #22:	Doe posted... I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21 If you are a student, try the Discover student card. It's basically the same as the non-student card (which is itself a decently good one) and they seem to accept everyone pretty much. Other explicitly student cards would have high odds too. --- http://i.imgur.com/dzGMd.png <cite>Kuuko posted [p:961080878] in 30 year ol... [t:79819052]...</cite> <quote>Doe posted... </cite> <quote>I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21</quote>If you are a student, try the Discover student card. It's basically the same as the non-student card (which is itself a decently good one) and they seem to accept everyone pretty much. Other explicitly student cards would have high odds too. </quote> ... Copied to Clipboard!
TrollTrace 12/20/21 5:18:35 PM #23:	Doe posted... I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21 Get one of your parents to take one out in your name so you can start building your credit. Next option is to get a capital one secured credit card, if you get this card NEVER get rid of it. I got rid of mine cuz it was only $200 credit line but did not realize it was my longest line of credit, dropped my credit score a good chunk(did not help that paypal dropped me around the same time too for not using their credit enough) so ya paypal credit is another option, i think they offer a card and also are not that picky with who they give credit to. In 2-3 years you should qualify for a good credit card like the chase freedom card which gives 1%-5% cash back on every purchase. Thats why i had mentioned to get a solid bank, yes chase bank costs money, but it is totally worth it at only $5 a month what you get from them is quality. <cite>TrollTrace posted [p:961082352] in 30 year ol... [t:79819052]...</cite> <quote>Doe posted... </cite> <quote>I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21</quote> Get one of your parents to take one out in your name so you can start building your credit. Next option is to get a capital one secured credit card, if you get this card NEVER get rid of it. I got rid of mine cuz it was only $200 credit line but did not realize it was my longest line of credit, dropped my credit score a good chunk(did not help that paypal dropped me around the same time too for not using their credit enough) so ya paypal credit is another option, i think they offer a card and also are not that picky with who they give credit to. In 2-3 years you should qualify for a good credit card like the chase freedom card which gives 1%-5% cash back on every purchase. Thats why i had mentioned to get a solid bank, yes chase bank costs money, but it is totally worth it at only $5 a month what you get from them is quality. </quote> ... Copied to Clipboard!
K181 12/20/21 5:42:51 PM #24:	Credit cards are great provided that youre not stupid with them. --- Irregardless, for all intensive purposes, I could care less. <cite>K181 posted [p:961082978] in 30 year ol... [t:79819052]...</cite> <quote>Credit cards are great provided that youre not stupid with them. </quote> ... Copied to Clipboard!
MC_BatCommander 12/20/21 5:44:06 PM #25:	Doe posted... I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21 Start by building credit with whatever card your bank issues, it'll probably have a low limit and shitty rewards but it's necessary to start out --- The Legend is True! <cite>MC_BatCommander posted [p:961083009] in 30 year ol... [t:79819052]...</cite> <quote>Doe posted... </cite> <quote>I've applied to both big credit card companies and little local credit unions and I'm denied every time. I guess because I'm 21</quote> Start by building credit with whatever card your bank issues, it'll probably have a low limit and shitty rewards but it's necessary to start out </quote> ... Copied to Clipboard!
TrollTrace 12/20/21 6:03:45 PM #26:	Veggeta_MAX posted... My Chase Freedom added another 1500 to my spending limit. They're hoping I spend so much money that I can't pay it back so they'll eat me in interest LMAO. That is actually not very cool of them to do. If you have the income to actually pay off the debt they are tempting you with it is understandable but for folks like me who make $15k a year, you should not give me enough credit that i can make mistakes on it. For me $1000-$1500 limit is good cuz i typically spend around $300-$500 per month on stuff. <cite>TrollTrace posted [p:961083502] in 30 year ol... [t:79819052]...</cite> <quote>Veggeta_MAX posted... </cite> <quote>My Chase Freedom added another 1500 to my spending limit. They're hoping I spend so much money that I can't pay it back so they'll eat me in interest LMAO.</quote> That is actually not very cool of them to do. If you have the income to actually pay off the debt they are tempting you with it is understandable but for folks like me who make $15k a year, you should not give me enough credit that i can make mistakes on it. For me $1000-$1500 limit is good cuz i typically spend around $300-$500 per month on stuff. </quote> ... Copied to Clipboard!
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ElatedVenusaur 12/20/21 6:13:26 PM #29:	Capital One has treated me well. They gave me an excellent sign-up bonuses: I got a $500 bonus once I had spent $2,000 and didnt have to worry about interest for a year plus. I only had to carry a balance recently due to a surprise bill, but the interest on the thing isnt even bad, for a credit card, so it only hurt a little. Theyre very transparent about everything too. Meanwhile, I get 1.5% cash back and little statement credits for certain online shopping sites. Its probably saved me a nice chunk of change. --- I'm Queen of Tomorrow baby! She/her <cite>ElatedVenusaur posted [p:961083757] in 30 year ol... [t:79819052]...</cite> <quote>Capital One has treated me well. They gave me an excellent sign-up bonuses: I got a $500 bonus once I had spent $2,000 and didnt have to worry about interest for a year plus. I only had to carry a balance recently due to a surprise bill, but the interest on the thing isnt even bad, for a credit card, so it only hurt a little. Theyre very transparent about everything too. Meanwhile, I get 1.5% cash back and little statement credits for certain online shopping sites. Its probably saved me a nice chunk of change. </quote> ... Copied to Clipboard!
Zano 12/20/21 6:14:06 PM #30:	There is zero argument against responsible use of credit cards. Literally free money. --- http://i.imgur.com/MDQBi2C.jpg <cite>Zano posted [p:961083777] in 30 year ol... [t:79819052]...</cite> <quote>There is zero argument against responsible use of credit cards. Literally free money. </quote> ... Copied to Clipboard!
rexcrk 12/20/21 6:15:00 PM #31:	SparkClark posted... wut credit cards are awesome if you're responsible with them and understand how they work --- Tell my tale to those who ask. Tell it truly, the ill deeds, along with the good, and let me be judged accordingly. The rest... is silence. <cite>rexcrk posted [p:961083814] in 30 year ol... [t:79819052]...</cite> <quote>SparkClark posted... </cite> <quote>wut credit cards are awesome if you're responsible with them and understand how they work</quote> </quote> ... Copied to Clipboard!
Prismsblade 12/20/21 6:15:57 PM #32:	TrollTrace posted... That is actually not very cool of them to do. If you have the income to actually pay off the debt they are tempting you with it is understandable but for folks like me who make $15k a year, you should not give me enough credit that i can make mistakes on it. For me $1000-$1500 limit is good cuz i typically spend around $300-$500 per month on stuff. No, the higher credit limit is great because it raises the cap on your credit utilization which is great since you don't what to go above 30%. Which at $1500 is only perhaps a car repair or some over emergency expanse away. That and if your spending habits stay the same.... it doesn't really matter how much they raise it. --- 3DS FC:3368-5403-9633 Name: Kaizer PSN: Blackkaizer <cite>Prismsblade posted [p:961083842] in 30 year ol... [t:79819052]...</cite> <quote>TrollTrace posted... </cite> <quote>That is actually not very cool of them to do. If you have the income to actually pay off the debt they are tempting you with it is understandable but for folks like me who make $15k a year, you should not give me enough credit that i can make mistakes on it. For me $1000-$1500 limit is good cuz i typically spend around $300-$500 per month on stuff.</quote>No, the higher credit limit is great because it raises the cap on your credit utilization which is great since you don't what to go above 30%. Which at $1500 is only perhaps a car repair or some over emergency expanse away. That and if your spending habits stay the same.... it doesn't really matter how much they raise it. </quote> ... Copied to Clipboard!
Jiek_Fafn 12/20/21 6:19:11 PM #33:	Credit cards used to suck when you couldn't access a current statement within seconds. You had to keep your own running tally before then if you were going to use it regularly. You also had to mail in a check like a week before it was due to avoid late fees. On top of that, you had to note that you had an uncashed check in the mix to avoid bank fees if you ran your bank account low. It was a lot of book keeping work. Now they're so easy to use that you're only paying interest in an actual emergency situation or negligence. It's so much better now. --- I don't believe in belts. There should be no ranking system for toughness. <cite>Jiek_Fafn posted [p:961083922] in 30 year ol... [t:79819052]...</cite> <quote>Credit cards used to suck when you couldn't access a current statement within seconds. You had to keep your own running tally before then if you were going to use it regularly. You also had to mail in a check like a week before it was due to avoid late fees. On top of that, you had to note that you had an uncashed check in the mix to avoid bank fees if you ran your bank account low. It was a lot of book keeping work. Now they're so easy to use that you're only paying interest in an actual emergency situation or negligence. It's so much better now. </quote> ... Copied to Clipboard!
waterjoe 12/20/21 6:24:02 PM #34:	I have two different credit cards. <cite>waterjoe posted [p:961084063] in 30 year ol... [t:79819052]...</cite> <quote>I have two different credit cards. </quote> ... Copied to Clipboard!
Fade2black001 12/20/21 6:24:47 PM #35:	I'm 36 and never had one --- Put on a smile cause Jesus loves you <cite>Fade2black001 posted [p:961084089] in 30 year ol... [t:79819052]...</cite> <quote>I'm 36 and never had one </quote> ... Copied to Clipboard!
Kloe_Rinz 12/20/21 6:29:35 PM #36:	Ive only ever used a debit card. The rewards are absolute shit on a credit card. Like $100 a year max in gift cards or some shit? No thanks, Id rather use my own money. You get charged that much or more in credit card fees <cite>Kloe_Rinz posted [p:961084205] in 30 year ol... [t:79819052]...</cite> <quote>Ive only ever used a debit card. The rewards are absolute shit on a credit card. Like $100 a year max in gift cards or some shit? No thanks, Id rather use my own money. You get charged that much or more in credit card fees </quote> ... Copied to Clipboard!
wackyteen 12/20/21 6:46:29 PM #37:	Kloe_Rinz posted... Ive only ever used a debit card. The rewards are absolute shit on a credit card. Like $100 a year max in gift cards or some shit? No thanks, Id rather use my own money. You get charged that much or more in credit card fees Tell me you've never looked at the rewards for a credit card without telling me --- The name is wackyteen for a reason. Never doubt. <cite>wackyteen posted [p:961084632] in 30 year ol... [t:79819052]...</cite> <quote>Kloe_Rinz posted... </cite> <quote>Ive only ever used a debit card. The rewards are absolute shit on a credit card. Like $100 a year max in gift cards or some shit? No thanks, Id rather use my own money. You get charged that much or more in credit card fees</quote>Tell me you've never looked at the rewards for a credit card without telling me </quote> ... Copied to Clipboard!
Will_VIIII 12/20/21 6:48:11 PM #38:	The only situation I can think of where you really need a credit card is for a car rental --- http://i.imgur.com/ZWNgMXL.jpg "Do not speak to fools, for they will scorn your prudent words." - Proverbs 23:9 <cite>Will_VIIII posted [p:961084674] in 30 year ol... [t:79819052]...</cite> <quote>The only situation I can think of where you really need a credit card is for a car rental </quote> ... Copied to Clipboard!
Looked gf 12/20/21 6:50:01 PM #39:	Will_VIIII posted... The only situation I can think of where you really need a credit card is for a car rental Smfh --- I'm an expert on pit bulls, not Cardi B <cite>Looked gf posted [p:961084714] in 30 year ol... [t:79819052]...</cite> <quote>Will_VIIII posted... </cite> <quote>The only situation I can think of where you really need a credit card is for a car rental</quote>Smfh </quote> ... Copied to Clipboard!
Will_VIIII 12/20/21 6:51:12 PM #40:	Looked gf posted... Smfh Why --- http://i.imgur.com/ZWNgMXL.jpg "Do not speak to fools, for they will scorn your prudent words." - Proverbs 23:9 <cite>Will_VIIII posted [p:961084741] in 30 year ol... [t:79819052]...</cite> <quote>Looked gf posted... </cite> <quote>Smfh</quote>Why </quote> ... Copied to Clipboard!
Looked gf 12/20/21 6:51:12 PM #41:	Kloe_Rinz posted... Ive only ever used a debit card. The rewards are absolute shit on a credit card. Like $100 a year max in gift cards or some shit? No thanks, Id rather use my own money. You get charged that much or more in credit card fees Gift cards? Fuck are you talking about lmao --- I'm an expert on pit bulls, not Cardi B <cite>Looked gf posted [p:961084742] in 30 year ol... [t:79819052]...</cite> <quote>Kloe_Rinz posted... </cite> <quote>Ive only ever used a debit card. The rewards are absolute shit on a credit card. Like $100 a year max in gift cards or some shit? No thanks, Id rather use my own money. You get charged that much or more in credit card fees</quote>Gift cards? Fuck are you talking about lmao </quote> ... Copied to Clipboard!
XxKrebsxX 12/20/21 7:07:15 PM #42:	HylianFox posted... I'm 35 and have never used a credit card I only spend money that I actually have This is so bad. <cite>XxKrebsxX posted [p:961085113] in 30 year ol... [t:79819052]...</cite> <quote>HylianFox posted... </cite> <quote>I'm 35 and have never used a credit card I only spend money that I actually have</quote> This is so bad. </quote> ... Copied to Clipboard!
Kloe_Rinz 12/20/21 7:09:29 PM #43:	Looked gf posted... Gift cards? Fuck are you talking about lmao The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing <cite>Kloe_Rinz posted [p:961085163] in 30 year ol... [t:79819052]...</cite> <quote>Looked gf posted... </cite> <quote>Gift cards? Fuck are you talking about lmao</quote>The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing </quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 12/20/21 7:16:55 PM #44:	Used to think they were a scam but you can get 1%-5% cash back per year which averages out to about $250/year per every $10k spent. That is actually a solid discount that can go towards paying for a vacation. All for spending your money how you normally would. I was able to purchase 2 round trip tickets to Italy just on the Chase UR points I had accrued leading up to my wedding in 2019. It was basically free and honestly felt like I was cheating. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:961085342] in 30 year ol... [t:79819052]...</cite> <quote><quote>Used to think they were a scam but you can get 1%-5% cash back per year which averages out to about $250/year per every $10k spent. That is actually a solid discount that can go towards paying for a vacation. All for spending your money how you normally would.</quote>I was able to purchase 2 round trip tickets to Italy just on the Chase UR points I had accrued leading up to my wedding in 2019. It was basically free and honestly felt like I was cheating. </quote> ... Copied to Clipboard!
Mizznox 12/20/21 7:28:09 PM #45:	Kloe_Rinz posted... The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing Unless you have no annual fee and properly pay it off so you don't pay any interest. And the annual fees I have seen on the cards I get offered are much less than the rewards that I get auto-redeemed as credit back on my card throughout the year. --- https://i.imgur.com/qUAL3fG.gifv <cite>Mizznox posted [p:961085594] in 30 year ol... [t:79819052]...</cite> <quote>Kloe_Rinz posted...</cite> <quote>The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing </quote> Unless you have no annual fee and properly pay it off so you don't pay any interest. And the annual fees I have seen on the cards I get offered are much less than the rewards that I get auto-redeemed as credit back on my card throughout the year.</quote> ... Copied to Clipboard!
Flockaveli 12/20/21 7:31:24 PM #46:	UnholyMudcrab posted... I'm 27 and have never had a credit card What's your plan for when you try to buy a new car or move into a place of your own? --- The Handsomest Man in O-Town. <cite>Flockaveli posted [p:961085681] in 30 year ol... [t:79819052]...</cite> <quote>UnholyMudcrab posted... </cite> <quote>I'm 27 and have never had a credit card</quote>What's your plan for when you try to buy a new car or move into a place of your own? </quote> ... Copied to Clipboard!
CableZL 12/20/21 7:32:44 PM #47:	Kloe_Rinz posted... The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing Plenty of credit cards have no fees, and the ones that do can easily give you much more in rewards than the annual fee. --- https://i.imgtc.com/d9Fc4Qq.gif https://i.imgtc.com/BKHTxYq.gif https://i.imgtc.com/vYYIuDx.jpg <cite>CableZL posted [p:961085715] in 30 year ol... [t:79819052]...</cite> <quote>Kloe_Rinz posted... </cite> <quote>The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing</quote> Plenty of credit cards have no fees, and the ones that do can easily give you much more in rewards than the annual fee. </quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 12/20/21 7:34:35 PM #48:	The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing The amount of points/rewards I have on my account is enough to cover the annual fee of my card for the next 10 years. I could literally cash it out and put it into a nice big pink piggy bank and debit the annual fee from there until my kid starts middle school. All the while, I'll still use the card and will accrue more points/rewards. You don't know what you're talking about. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:961085756] in 30 year ol... [t:79819052]...</cite> <quote><quote>The precious rewards you have to redeem for using a credit card, which are less than the fee to use the stupid thing</quote>The amount of points/rewards I have on my account is enough to cover the annual fee of my card for the next 10 years. I could literally cash it out and put it into a nice big pink piggy bank and debit the annual fee from there until my kid starts middle school. All the while, I'll still use the card and will accrue more points/rewards. You don't know what you're talking about. </quote> ... Copied to Clipboard!
Will_VIIII 12/20/21 7:41:21 PM #49:	Flockaveli posted... What's your plan for when you try to buy a new car or move into a place of your own? You can do manual underwriting for those --- http://i.imgur.com/ZWNgMXL.jpg "Do not speak to fools, for they will scorn your prudent words." - Proverbs 23:9 <cite>Will_VIIII posted [p:961085895] in 30 year ol... [t:79819052]...</cite> <quote>Flockaveli posted... </cite> <quote>What's your plan for when you try to buy a new car or move into a place of your own?</quote>You can do manual underwriting for those </quote> ... Copied to Clipboard!
Veggeta_MAX 12/20/21 7:41:34 PM #50:	Here are my Chase Freedom benefits: https://gamefaqs.gamespot.com/a/user_image/7/5/4/AAdGD8AACuQa.jpg https://gamefaqs.gamespot.com/a/user_image/7/5/5/AAdGD8AACuQb.png Oh yeah thanks to this topic I can redeem some money back. If you are responsible with your money then it's like they say, you get free money. Where's the drawback again? https://gamefaqs.gamespot.com/a/user_image/7/5/6/AAdGD8AACuQc.png --- I'm Veggeta X's alt <cite>Veggeta_MAX posted [p:961085900] in 30 year ol... [t:79819052]...</cite> <quote>Here are my Chase Freedom benefits: https://gamefaqs.gamespot.com/a/user_image/7/5/4/AAdGD8AACuQa.jpg https://gamefaqs.gamespot.com/a/user_image/7/5/5/AAdGD8AACuQb.png Oh yeah thanks to this topic I can redeem some money back. If you are responsible with your money then it's like they say, you get free money. Where's the drawback again? https://gamefaqs.gamespot.com/a/user_image/7/5/6/AAdGD8AACuQc.png </quote> ... Copied to Clipboard!
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Current Events > 30 year olds outlook on credit cards (+) Yeah! (+)

Current Events > 30 year olds outlook on credit cards