Current Events > CNBC: Why You Should Buy Everything With Credit Cards

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BlueTigerLion 03/11/23 2:05:46 PM #1:	https://www.youtube.com/watch?v=SnBu2_l_sZ0 --- Hey now. <cite>BlueTigerLion posted [p:972104821] in CNBC: Why ... [t:80375919]...</cite> <quote>https://www.youtube.com/watch?v=SnBu2_l_sZ0</quote> ... Copied to Clipboard!
DKBananaSlamma 03/11/23 2:07:11 PM #2:	Didn't watch but they're right. It builds credit, you can see all the expenses you make a month in 1 statement, if your card is stolen it's easy to dispute the charges and get your money back, you get rewards, you have a line of credit incase an emergency happens, and it's quick and convenient to pay for things. As long as you have slightly more self control than a child, just buy things you would normally buy and pay it off in full every month and you'll never have to pay interest. --- Neon >_> <cite>DKBananaSlamma posted [p:972104841] in CNBC: Why ... [t:80375919]...</cite> <quote>Didn't watch but they're right. It builds credit, you can see all the expenses you make a month in 1 statement, if your card is stolen it's easy to dispute the charges and get your money back, you get rewards, you have a line of credit incase an emergency happens, and it's quick and convenient to pay for things. As long as you have slightly more self control than a child, just buy things you would normally buy and pay it off in full every month and you'll never have to pay interest.</quote> ... Copied to Clipboard!
TendoDRM 03/11/23 2:07:49 PM #3:	DKBananaSlamma posted... Didn't watch but they're right. --- Cel Damage! Tonight at 8:00! <cite>TendoDRM posted [p:972104851] in CNBC: Why ... [t:80375919]...</cite> <quote>DKBananaSlamma posted... </cite><quote>Didn't watch but they're right.</quote></quote> ... Copied to Clipboard!
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Nemu 03/11/23 2:10:06 PM #5:	Theres no reason not to use them on everything you can. They provide more security than most debit cards in terms of fraud protection and the majority provide at least some kind of benefit. The only reason not to use them would be if youre terrible with money management, but anyone with that foresight probably isnt terrible with money management. <cite>Nemu posted [p:972104901] in CNBC: Why ... [t:80375919]...</cite> <quote>Theres no reason not to use them on everything you can. They provide more security than most debit cards in terms of fraud protection and the majority provide at least some kind of benefit. The only reason not to use them would be if youre terrible with money management, but anyone with that foresight probably isnt terrible with money management.</quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 2:11:01 PM #6:	If you're not an idiot with money, you can game them pretty effectively. <cite>Questionmarktarius posted [p:972104926] in CNBC: Why ... [t:80375919]...</cite> <quote>If you're not an idiot with money, you can game them pretty effectively.</quote> ... Copied to Clipboard!
Lairen 03/11/23 2:11:49 PM #7:	What kind of future is this? --- When it rains, it pours. <cite>Lairen posted [p:972104939] in CNBC: Why ... [t:80375919]...</cite> <quote>What kind of future is this?</quote> ... Copied to Clipboard!
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BignutzisBack 03/11/23 2:12:10 PM #9:	Questionmarktarius posted... If you're not an idiot with money, you can game them pretty effectively. Churning subreddit is a must --- http://i.imgur.com/plA0Vg9.gif https://media.giphy.com/media/dgK22exekwOLm/giphy.gif <cite>BignutzisBack posted [p:972104944] in CNBC: Why ... [t:80375919]...</cite> <quote>Questionmarktarius posted... </cite><quote>If you're not an idiot with money, you can game them pretty effectively.</quote>Churning subreddit is a must</quote> ... Copied to Clipboard!
Axiom 03/11/23 2:12:27 PM #10:	Nemu posted... Theres no reason not to use them on everything you can. They provide more security than most debit cards in terms of fraud protection and the majority provide at least some kind of benefit. The only reason not to use them would be if youre terrible with money management, but anyone with that foresight probably isnt terrible with money management. This <cite>Axiom posted [p:972104951] in CNBC: Why ... [t:80375919]...</cite> <quote>Nemu posted... </cite><quote>Theres no reason not to use them on everything you can. They provide more security than most debit cards in terms of fraud protection and the majority provide at least some kind of benefit. The only reason not to use them would be if youre terrible with money management, but anyone with that foresight probably isnt terrible with money management.</quote>This</quote> ... Copied to Clipboard!
Doe 03/11/23 2:14:40 PM #11:	The reality is most people are terrible with money management so this is bad advice. --- https://imgur.com/gallery/dXDmJHw https://www.youtube.com/watch?v=75GL-BYZFfY <cite>Doe posted [p:972105001] in CNBC: Why ... [t:80375919]...</cite> <quote>The reality is most people are terrible with money management so this is bad advice.</quote> ... Copied to Clipboard!
Ether_Strike 03/11/23 2:14:40 PM #12:	credit cards are totally worthless and a symptom of a society that allows predatory monetary policy as a matter of course. they aren't even a necessary evil like many dubious parts of our financial system, they're just crap haha --- ~SK When I am taken, all my memories will fade, crowded out by eternal suffering.~Benjamin "Yahtzee" Croshaw <cite>Ether_Strike posted [p:972105002] in CNBC: Why ... [t:80375919]...</cite> <quote>credit cards are totally worthless and a symptom of a society that allows predatory monetary policy as a matter of course. they aren't even a necessary evil like many dubious parts of our financial system, they're just crap haha</quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 2:16:40 PM #13:	Ether_Strike posted... credit cards are totally worthless and a symptom of a society that allows predatory monetary policy as a matter of course. Credit cards are so desperate to lure in prey, that it's very possible to prey on the predator. <cite>Questionmarktarius posted [p:972105046] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>credit cards are totally worthless and a symptom of a society that allows predatory monetary policy as a matter of course.</quote>Credit cards are so desperate to lure in prey, that it's very possible to prey on the predator.</quote> ... Copied to Clipboard!
Cocytus 03/11/23 2:16:52 PM #14:	Dumbest thing I've heard today. --- Is this reverse psychology? And if I ask, will you lie to me? <cite>Cocytus posted [p:972105053] in CNBC: Why ... [t:80375919]...</cite> <quote>Dumbest thing I've heard today. </quote> ... Copied to Clipboard!
uwnim 03/11/23 2:20:32 PM #15:	I do use my credit card for everything. For most things, theres no reason to not use one. Most places charge the same price for purchases regardless of payment, and so long as you dont carry a balance, theres no interest. So even if the card has a meh rewards/cash back it is better than the alternatives. --- I want a pet Lavos Spawn. [Order of the Cetaceans: Phocoena dioptrica] <cite>uwnim posted [p:972105123] in CNBC: Why ... [t:80375919]...</cite> <quote>I do use my credit card for everything. For most things, theres no reason to not use one. Most places charge the same price for purchases regardless of payment, and so long as you dont carry a balance, theres no interest. So even if the card has a meh rewards/cash back it is better than the alternatives.</quote> ... Copied to Clipboard!
Lairen 03/11/23 2:21:05 PM #16:	Might as well encourage people to text and drive. If you do it well you are multitasking. Sure if youre bad at it accidents could occur.... --- When it rains, it pours. <cite>Lairen posted [p:972105133] in CNBC: Why ... [t:80375919]...</cite> <quote>Might as well encourage people to text and drive. If you do it well you are multitasking. Sure if youre bad at it accidents could occur....</quote> ... Copied to Clipboard!
Zeeak4444 03/11/23 2:30:49 PM #17:	Lairen posted... Might as well encourage people to text and drive. If you do it well you are multitasking. Sure if youre bad at it accidents could occur.... but the difference is tangible benefits. using a credit card has some. Texting while driving does not 99% of the time. --- Typical gameFAQers are "Complainers that always complain about those who complain about real legitimate complaints."-Joker_X <cite>Zeeak4444 posted [p:972105326] in CNBC: Why ... [t:80375919]...</cite> <quote>Lairen posted... </cite><quote>Might as well encourage people to text and drive. If you do it well you are multitasking. Sure if youre bad at it accidents could occur....</quote>but the difference is tangible benefits. using a credit card has some. Texting while driving does not 99% of the time.</quote> ... Copied to Clipboard!
CE_gonna_CE 03/11/23 2:32:48 PM #18:	DKBananaSlamma posted... Didn't watch but they're right. --- https://gamefaqs.gamespot.com/boards/1531-food-delivery-services-general <cite>CE_gonna_CE posted [p:972105369] in CNBC: Why ... [t:80375919]...</cite> <quote>DKBananaSlamma posted... </cite><quote>Didn't watch but they're right. </quote></quote> ... Copied to Clipboard!
DKBananaSlamma 03/11/23 2:35:21 PM #19:	Lairen posted... Might as well encourage people to text and drive. If you do it well you are multitasking. Sure if youre bad at it accidents could occur.... Sure. we shouldn't challenge ourselves, shouldnt improve, shouldnt take on more responsibility. We should stay weak and financially disadvantaged --- Neon >_> <cite>DKBananaSlamma posted [p:972105418] in CNBC: Why ... [t:80375919]...</cite> <quote>Lairen posted... </cite><quote>Might as well encourage people to text and drive. If you do it well you are multitasking. Sure if youre bad at it accidents could occur....</quote>Sure. we shouldn't challenge ourselves, shouldnt improve, shouldnt take on more responsibility. We should stay weak and financially disadvantaged</quote> ... Copied to Clipboard!
Axiom 03/11/23 2:40:44 PM #20:	Ether_Strike posted... credit cards are totally worthless and a symptom of a society that allows predatory monetary policy as a matter of course. they aren't even a necessary evil like many dubious parts of our financial system, they're just crap haha While you're right that the credit system is inherently predatory credit cards themselves are the opposite of worthless. They have been literally giving me free money and rewards for years on things I would have purchased anyway Also like people said if a credit card gets stolen/skimmed it's an easy fix. If your debit card does then you are going to go through a lot of pain dealing with it <cite>Axiom posted [p:972105489] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>credit cards are totally worthless and a symptom of a society that allows predatory monetary policy as a matter of course. they aren't even a necessary evil like many dubious parts of our financial system, they're just crap haha</quote>While you're right that the credit system is inherently predatory credit cards themselves are the opposite of worthless. They have been literally giving me free money and rewards for years on things I would have purchased anywayAlso like people said if a credit card gets stolen/skimmed it's an easy fix. If your debit card does then you are going to go through a lot of pain dealing with it</quote> ... Copied to Clipboard!
Ether_Strike 03/11/23 2:42:15 PM #21:	DKBananaSlamma posted... Sure. we shouldn't challenge ourselves, shouldnt improve, shouldnt take on more responsibility. We should stay weak and financially disadvantaged juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake just to save 1% on total expenses isn't my idea of "taking on more responsibility" and "improving ourselves." it's playing a stacked game of russian roulette where you probably won't lose, have almost nothing to gain, and can lose big. but i guess they're also selling people the idea that they're financially smart for having a credit card, that's part of the grift --- ~SK When I am taken, all my memories will fade, crowded out by eternal suffering.~Benjamin "Yahtzee" Croshaw <cite>Ether_Strike posted [p:972105518] in CNBC: Why ... [t:80375919]...</cite> <quote>DKBananaSlamma posted... </cite><quote>Sure. we shouldn't challenge ourselves, shouldnt improve, shouldnt take on more responsibility. We should stay weak and financially disadvantaged</quote>juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake just to save 1% on total expenses isn't my idea of "taking on more responsibility" and "improving ourselves." it's playing a stacked game of russian roulette where you probably won't lose, have almost nothing to gain, and can lose big. but i guess they're also selling people the idea that they're financially smart for having a credit card, that's part of the grift</quote> ... Copied to Clipboard!
IronTusk 03/11/23 2:50:15 PM #22:	Pay everything with card within your budget. Automate full balance amount every month to pay no interest. Build points and credit score. Win. <cite>IronTusk posted [p:972105641] in CNBC: Why ... [t:80375919]...</cite> <quote>Pay everything with card within your budget.Automate full balance amount every month to pay no interest.Build points and credit score. Win.</quote> ... Copied to Clipboard!
Complete_Idi0t 03/11/23 2:52:25 PM #23:	The anti-bitcoin lobby strikes again <cite>Complete_Idi0t posted [p:972105668] in CNBC: Why ... [t:80375919]...</cite> <quote>The anti-bitcoin lobby strikes again</quote> ... Copied to Clipboard!
_Rinku_ 03/11/23 2:52:34 PM #24:	Ether_Strike posted... juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake just to save 1% on total expenses isn't my idea of "taking on more responsibility" and "improving ourselves." it's playing a stacked game of russian roulette where you probably won't lose, have almost nothing to gain, and can lose big. but i guess they're also selling people the idea that they're financially smart for having a credit card, that's part of the grift ??? What a load of fear mongering garbage. You're just as likely to miss a payment on a credit card as you are any other utility. Hell, you can set them up for auto-pay so that doesn't happen. It really comes down to personal responsibility. My ex-wife was ludicrously irresponsible with her credit card and subsequently maxed it out, took out a loan to pay it off, and then maxed it out again. My mother actually got a credit card for the first time a few months ago. 10k limit. She's maxed it out because, again, zero self-control/personal responsibility. I've had access to some form of credit since I was 19 (opened an Amazon store card then as it was about all I could get approved for). I've opened several cards since then. I have a great credit score now. I routinely get about $15 in cash back from things that I was already going to pay for anyway. And, if shit absolutely hits the fan, I have about $15k in credit that I can use to pay for utilities, food, etc. That's an absolute last resort, of course, but it's reassuring to know it's there if need be. Genuinely, if you have poor impulse control, don't get a credit card. I've seen plenty of people dig themselves into a hole because they see it as free money. Otherwise, they're great. <cite>_Rinku_ posted [p:972105672] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake just to save 1% on total expenses isn't my idea of "taking on more responsibility" and "improving ourselves." it's playing a stacked game of russian roulette where you probably won't lose, have almost nothing to gain, and can lose big. but i guess they're also selling people the idea that they're financially smart for having a credit card, that's part of the grift</quote>???What a load of fear mongering garbage. You're just as likely to miss a payment on a credit card as you are any other utility. Hell, you can set them up for auto-pay so that doesn't happen. It really comes down to personal responsibility. My ex-wife was ludicrously irresponsible with her credit card and subsequently maxed it out, took out a loan to pay it off, and then maxed it out again. My mother actually got a credit card for the first time a few months ago. 10k limit. She's maxed it out because, again, zero self-control/personal responsibility.I've had access to some form of credit since I was 19 (opened an Amazon store card then as it was about all I could get approved for). I've opened several cards since then. I have a great credit score now. I routinely get about $15 in cash back from things that I was already going to pay for anyway. And, if shit absolutely hits the fan, I have about $15k in credit that I can use to pay for utilities, food, etc. That's an absolute last resort, of course, but it's reassuring to know it's there if need be. Genuinely, if you have poor impulse control, don't get a credit card. I've seen plenty of people dig themselves into a hole because they see it as free money. Otherwise, they're great. </quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 2:56:14 PM #25:	At some point, though, you're going to have to accept that people who don't need credit cards are being subsidized by people who really don't need credit cards. <cite>Questionmarktarius posted [p:972105725] in CNBC: Why ... [t:80375919]...</cite> <quote>At some point, though, you're going to have to accept that people who don't need credit cards are being subsidized by people who really don't need credit cards.</quote> ... Copied to Clipboard!
BlazinBlue88 03/11/23 2:56:34 PM #26:	Ether_Strike posted... juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake My CC let's me set up auto payments every month. No mistake to be had. Then I just rack up the 2% cash back reward I get. --- http://i.imgur.com/R15aJJ3.png http://i.imgur.com/NJqp6LS.png <cite>BlazinBlue88 posted [p:972105733] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake</quote>My CC let's me set up auto payments every month. No mistake to be had.Then I just rack up the 2% cash back reward I get.</quote> ... Copied to Clipboard!
Yadoken 03/11/23 2:58:12 PM #27:	Been doing this for maybe 15 years. Never once had interest because I pay off the credit card every 2 weeks. And this year, my credit card paid me 1160 bucks for the last 6 months (which got direct deposited), and they will pay me cash again in Jun/July. Yeah, my credit card is paying me 2000+ dollars a year to use it. --- Fear of looking in the mirror and seeing who you REALLY are is sadly what makes most people extremely terrible. <cite>Yadoken posted [p:972105762] in CNBC: Why ... [t:80375919]...</cite> <quote>Been doing this for maybe 15 years. Never once had interest because I pay off the credit card every 2 weeks. And this year, my credit card paid me 1160 bucks for the last 6 months (which got direct deposited), and they will pay me cash again in Jun/July. Yeah, my credit card is paying me 2000+ dollars a year to use it. </quote> ... Copied to Clipboard!
Ether_Strike 03/11/23 2:58:47 PM #28:	_Rinku_ posted... Otherwise, they're great. because uh.. the free 1 percent monies? is that really what does it for you homie? also you yourself admit that someone very close to you had their financial life upended because of the predatory practices of credit cards. sounds like they're a net loss for society based on your personal history, but yet you love them because... uh...? --- ~SK When I am taken, all my memories will fade, crowded out by eternal suffering.~Benjamin "Yahtzee" Croshaw <cite>Ether_Strike posted [p:972105768] in CNBC: Why ... [t:80375919]...</cite> <quote>_Rinku_ posted... </cite><quote>Otherwise, they're great.</quote>because uh.. the free 1 percent monies? is that really what does it for you homie? also you yourself admit that someone very close to you had their financial life upended because of the predatory practices of credit cards. sounds like they're a net loss for society based on your personal history, but yet you love them because... uh...?</quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 2:59:59 PM #29:	Ether_Strike posted... because uh.. the free 1 percent monies? ...also fraud protection. Technically, debit and checking has that too, but your money is just gone in the meantime. <cite>Questionmarktarius posted [p:972105781] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>because uh.. the free 1 percent monies?</quote>...also fraud protection.Technically, debit and checking has that too, but your money is just gone in the meantime.</quote> ... Copied to Clipboard!
Ether_Strike 03/11/23 3:01:29 PM #30:	Questionmarktarius posted... ...also fraud protection. Technically, debit and checking has that too, but your money is just gone in the meantime. i've never had a bank account without fraud protection. --- ~SK When I am taken, all my memories will fade, crowded out by eternal suffering.~Benjamin "Yahtzee" Croshaw <cite>Ether_Strike posted [p:972105809] in CNBC: Why ... [t:80375919]...</cite> <quote>Questionmarktarius posted... </cite><quote>...also fraud protection.Technically, debit and checking has that too, but your money is just gone in the meantime.</quote>i've never had a bank account without fraud protection. </quote> ... Copied to Clipboard!
Crimson_Corsair 03/11/23 3:01:56 PM #31:	Ether_Strike posted... juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake just to save 1% on total expenses isn't my idea of "taking on more responsibility" and "improving ourselves." it's playing a stacked game of russian roulette where you probably won't lose, have almost nothing to gain, and can lose big. but i guess they're also selling people the idea that they're financially smart for having a credit card, that's part of the grift ...wtf even is this dribble. Just use your credit card as though it were a debit. Set up autopay if you don't trust yourself to remember to manually pay off the balance each month. And lol @ minimal gains. I got $595 cash back this cycle and enough miles to pay for a BBQ trip to Texas with the boys for $100. You are way too aggressively against CCs, must be shitposting. --- My head's not torn off, my sunglasses aren't broken. Amen, hallelujah, peanut butter. <cite>Crimson_Corsair posted [p:972105817] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>juggling the possibility of having to pay ludicrous interest on your monthly balance because you made a mistake just to save 1% on total expenses isn't my idea of "taking on more responsibility" and "improving ourselves." it's playing a stacked game of russian roulette where you probably won't lose, have almost nothing to gain, and can lose big. but i guess they're also selling people the idea that they're financially smart for having a credit card, that's part of the grift</quote>...wtf even is this dribble.Just use your credit card as though it were a debit. Set up autopay if you don't trust yourself to remember to manually pay off the balance each month. And lol @ minimal gains. I got $595 cash back this cycle and enough miles to pay for a BBQ trip to Texas with the boys for $100. You are way too aggressively against CCs, must be shitposting.</quote> ... Copied to Clipboard!
_Rinku_ 03/11/23 3:02:15 PM #32:	Ether_Strike posted... because uh.. the free 1 percent monies? is that really what does it for you homie? also you yourself admit that someone very close to you had their financial life upended because of the predatory practices of credit cards. sounds like they're a net loss for society based on your personal history, but yet you love them because... uh...? Because it benefits me. If I decided to personally abstain from using them, that wouldn't change their predatory practices. You can hate a system but still take advantage of it. Free money is free money, friend. $15/month is a new video game a couple times a year. I think that's pretty cool. Sorry that you didn't learn to manage your money. <cite>_Rinku_ posted [p:972105824] in CNBC: Why ... [t:80375919]...</cite> <quote>Ether_Strike posted... </cite><quote>because uh.. the free 1 percent monies? is that really what does it for you homie? also you yourself admit that someone very close to you had their financial life upended because of the predatory practices of credit cards. sounds like they're a net loss for society based on your personal history, but yet you love them because... uh...?</quote>Because it benefits me. If I decided to personally abstain from using them, that wouldn't change their predatory practices. You can hate a system but still take advantage of it.Free money is free money, friend. $15/month is a new video game a couple times a year. I think that's pretty cool. Sorry that you didn't learn to manage your money. </quote> ... Copied to Clipboard!
Ether_Strike 03/11/23 3:09:44 PM #33:	_Rinku_ posted... Because it benefits me ok? it also benefits the creditors when people lose control of their spending. something benefiting someone else isn't evidence that it's a good thing. subsidizing a totally negligible benefit to you with the suffering of many more people because of predatory financial practices shouldn't make you feel so morally superior. if you want to really dig deep into people who have been victim to these practices have almost certainly damaged your life far in excess to the meager benefits you receive from your credit card. _Rinku_ posted... You can hate a system but still take advantage of it. _Rinku_ posted... What a load of fear mongering garbage. _Rinku_ posted... they're great. ok well clearly you don't hate the system, your post read like propaganda pieces. the issue becomes a lot less complex when you look past your own totally marginal self interest in the issue. _Rinku_ posted... $15/month is a new video game a couple times a year. like, lmao --- ~SK When I am taken, all my memories will fade, crowded out by eternal suffering.~Benjamin "Yahtzee" Croshaw <cite>Ether_Strike posted [p:972105964] in CNBC: Why ... [t:80375919]...</cite> <quote>_Rinku_ posted... </cite><quote>Because it benefits me</quote>ok? it also benefits the creditors when people lose control of their spending. something benefiting someone else isn't evidence that it's a good thing. subsidizing a totally negligible benefit to you with the suffering of many more people because of predatory financial practices shouldn't make you feel so morally superior. if you want to really dig deep into people who have been victim to these practices have almost certainly damaged your life far in excess to the meager benefits you receive from your credit card._Rinku_ posted... </cite><quote>You can hate a system but still take advantage of it.</quote>_Rinku_ posted... </cite><quote>What a load of fear mongering garbage.</quote>_Rinku_ posted... </cite><quote>they're great.</quote>ok well clearly you don't hate the system, your post read like propaganda pieces. the issue becomes a lot less complex when you look past your own totally marginal self interest in the issue._Rinku_ posted... </cite><quote>$15/month is a new video game a couple times a year.</quote> like, lmao</quote> ... Copied to Clipboard!
DKBananaSlamma 03/11/23 3:16:23 PM #34:	I'll never understand how people can have such a hate boner for CC's >_> --- Neon >_> <cite>DKBananaSlamma posted [p:972106075] in CNBC: Why ... [t:80375919]...</cite> <quote>I'll never understand how people can have such a hate boner for CC's >_></quote> ... Copied to Clipboard!
thronedfire2 03/11/23 3:20:00 PM #35:	I get 1.5% cash back on every purchase with both my cards. haven't used my debit card in years for anything besides the dispensary --- I could see you, but I couldn't hear you You were holding your hat in the breeze Turning away from me In this moment you were stolen... <cite>thronedfire2 posted [p:972106150] in CNBC: Why ... [t:80375919]...</cite> <quote>I get 1.5% cash back on every purchase with both my cards. haven't used my debit card in years for anything besides the dispensary</quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 3:20:44 PM #36:	DKBananaSlamma posted... I'll never understand how people can have such a hate boner for CC's >_> "It's bad unless you know how to handle it, therefore 'bad'" <cite>Questionmarktarius posted [p:972106159] in CNBC: Why ... [t:80375919]...</cite> <quote>DKBananaSlamma posted... </cite><quote>I'll never understand how people can have such a hate boner for CC's >_></quote>"It's bad unless you know how to handle it, therefore 'bad'"</quote> ... Copied to Clipboard!
cuttin_in_farm 03/11/23 3:35:36 PM #37:	Btw. To pay interest for one mistake, ypud have to miss a payment two times. Interest isnt charged until the balance is on your statement. And a balance isnt on your statement until the first statement date after your purchase (3-5 days after your due date). Also, lol at 1% back. Try 2-5% consistently with up to 10% on specific vendors, exclusive travel benefits like insurance or luxury lounges, the ability to take out loans with 0% interest periods without an inquiry or credit check, and the best fraud protections you can have. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:972106445] in CNBC: Why ... [t:80375919]...</cite> <quote>Btw. To pay interest for one mistake, ypud have to miss a payment two times. Interest isnt charged until the balance is on your statement. And a balance isnt on your statement until the first statement date after your purchase (3-5 days after your due date).Also, lol at 1% back. Try 2-5% consistently with up to 10% on specific vendors, exclusive travel benefits like insurance or luxury lounges, the ability to take out loans with 0% interest periods without an inquiry or credit check, and the best fraud protections you can have. </quote> ... Copied to Clipboard!
Son_Of_Spam 03/11/23 3:43:59 PM #38:	One time I bought a high-end TV from Amazon for $2500. I then used my credit card's price matching to get it matched to a shady grey market seller's price and got $500 back. --- 17 years on Gamefaqs, and I still don't have a signature. <cite>Son_Of_Spam posted [p:972106624] in CNBC: Why ... [t:80375919]...</cite> <quote>One time I bought a high-end TV from Amazon for $2500. I then used my credit card's price matching to get it matched to a shady grey market seller's price and got $500 back.</quote> ... Copied to Clipboard!
Jiek_Fafn 03/11/23 4:01:35 PM #39:	Credit card issues used to come up a lot because you didn't constantly have access to your financial information and you depended on usps to get your check there in time. It's the future now. There's no reason not to have one unless you're dumb with it --- I don't believe in belts. There should be no ranking system for toughness. <cite>Jiek_Fafn posted [p:972106896] in CNBC: Why ... [t:80375919]...</cite> <quote>Credit card issues used to come up a lot because you didn't constantly have access to your financial information and you depended on usps to get your check there in time.It's the future now. There's no reason not to have one unless you're dumb with it</quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 4:06:19 PM #40:	Jiek_Fafn posted... There's no reason not to have one unless you're dumb with it Let's say someone lazy about it, who's content to just keep a small "fuckoff" amount in debit-visible checking, is looking to get a credit card. What's a good one? ...asking for a friend, yeah. <cite>Questionmarktarius posted [p:972106976] in CNBC: Why ... [t:80375919]...</cite> <quote>Jiek_Fafn posted... </cite><quote>There's no reason not to have one unless you're dumb with it</quote>Let's say someone lazy about it, who's content to just keep a small "fuckoff" amount in debit-visible checking, is looking to get a credit card. What's a good one?...asking for a friend, yeah.</quote> ... Copied to Clipboard!
KeeperOfShadows 03/11/23 4:08:16 PM #41:	Seems great for the people who are smart with their money. Me personally, I KNOW I have poor impulse control, and I KNOW that it only gets worse the more money I have access to, so I would never even bother. --- Currently playing: DFFOO, Priconne <cite>KeeperOfShadows posted [p:972107004] in CNBC: Why ... [t:80375919]...</cite> <quote>Seems great for the people who are smart with their money. Me personally, I KNOW I have poor impulse control, and I KNOW that it only gets worse the more money I have access to, so I would never even bother. </quote> ... Copied to Clipboard!
Rai_Jin 03/11/23 4:16:46 PM #42:	well why could these benefits not be on non-credit cards? I would guess because there are enough people who can't handle credit cards. <cite>Rai_Jin posted [p:972107147] in CNBC: Why ... [t:80375919]...</cite> <quote>well why could these benefits not be on non-credit cards? I would guess because there are enough people who can't handle credit cards.</quote> ... Copied to Clipboard!
Questionmarktarius 03/11/23 4:18:23 PM #43:	Rai_Jin posted... well why could these benefits not be on non-credit cards? post 25 <cite>Questionmarktarius posted [p:972107180] in CNBC: Why ... [t:80375919]...</cite> <quote>Rai_Jin posted... </cite><quote>well why could these benefits not be on non-credit cards?</quote>post 25</quote> ... Copied to Clipboard!
Cheater87 03/11/23 4:22:48 PM #44:	Credit is a scam that banks came up with. --- You're finally awake, welcome to the real world! <cite>Cheater87 posted [p:972107249] in CNBC: Why ... [t:80375919]...</cite> <quote>Credit is a scam that banks came up with. </quote> ... Copied to Clipboard!
bover_87 03/11/23 4:43:04 PM #45:	Whoever keeps saying they can forget to pay their credit card must have also forgotten that most cards have an auto-pay feature so you don't even have to do that. --- I...I shall consume. Consume...consume everything. ~ [FFRK] rcr6 - Arbiter's Tome/Forbidden Power/Divine Veil Grimoire <cite>bover_87 posted [p:972107556] in CNBC: Why ... [t:80375919]...</cite> <quote>Whoever keeps saying they can forget to pay their credit card must have also forgotten that most cards have an auto-pay feature so you don't even have to do that.</quote> ... Copied to Clipboard!
gator71 03/11/23 4:47:10 PM #46:	Cc companies charge fees to merchants, I try not to use them at small local businesses <cite>gator71 posted [p:972107626] in CNBC: Why ... [t:80375919]...</cite> <quote>Cc companies charge fees to merchants, I try not to use them at small local businesses</quote> ... Copied to Clipboard!
random_man9119 03/11/23 4:55:56 PM #47:	I still don't understand credit cards enough to use them... I don't see why you wouldn't just pay with the money you have like you would with a debit card... The only downside I currently have is that I don't have a credit score... But so far that actually has come up in anyway for me... --- NNID:MrOddities\|PSN:OddGamer2013 Playing:Splatoon 3\|Pokemon Scarlet\|Powerwash Simulator\|Resident Evil Village\|Theatrhythm: Final Bar Line\|Like a Dragon: Ishin <cite>random_man9119 posted [p:972107792] in CNBC: Why ... [t:80375919]...</cite> <quote>I still don't understand credit cards enough to use them... I don't see why you wouldn't just pay with the money you have like you would with a debit card...The only downside I currently have is that I don't have a credit score... But so far that actually has come up in anyway for me...</quote> ... Copied to Clipboard!
sparky2658 03/11/23 5:11:40 PM #48:	Doe posted... The reality is most people are terrible with money management so this is bad advice. It's not bad advice because people don't act responsible. There's plenty of things that are good advice, but people can't act responsible enough to use. Crimson_Corsair posted... Just use your credit card as though it were a debit. Set up autopay if you don't trust yourself to remember to manually pay off the balance each month. And lol @ minimal gains. I got $595 cash back this cycle and enough miles to pay for a BBQ trip to Texas with the boys for $100. This. Treat the thing like a debit card. If all you can afford is to splurge $100, then manage yourself to spend no more than that. If you don't have the impulse control to not go over, it's not the credit cards fault. <cite>sparky2658 posted [p:972108084] in CNBC: Why ... [t:80375919]...</cite> <quote>Doe posted... </cite><quote>The reality is most people are terrible with money management so this is bad advice.</quote>It's not bad advice because people don't act responsible.There's plenty of things that are good advice, but people can't act responsible enough to use.Crimson_Corsair posted... </cite><quote>Just use your credit card as though it were a debit. Set up autopay if you don't trust yourself to remember to manually pay off the balance each month. And lol @ minimal gains. I got $595 cash back this cycle and enough miles to pay for a BBQ trip to Texas with the boys for $100.</quote>This.Treat the thing like a debit card. If all you can afford is to splurge $100, then manage yourself to spend no more than that. If you don't have the impulse control to not go over, it's not the credit cards fault.</quote> ... Copied to Clipboard!
Cokewave 03/11/23 5:23:26 PM #50:	random_man9119 posted... I still don't understand credit cards enough to use them... I don't see why you wouldn't just pay with the money you have like you would with a debit card... The only downside I currently have is that I don't have a credit score... But so far that actually has come up in anyway for me... Builds your credit - so you get a better interest rate on auto loan or mortgage down the line Typically have bonuses for opening the card (for ex, spend $1000 in first 90 days and you get a $200 credit) Alot of cards offer cashback in the range of 1-3% (for ex, anytime you spend $100 you get a free $3 back) Some cards have travel benefits - I work for a bank and our "Travel" card makes it so you avoid currency conversion fees when you travel. So you can go to europe and use your CC on something and not get charged for converting from USD -> Euro --- Wave. PSN: WaveyyyA <cite>Cokewave posted [p:972108268] in CNBC: Why ... [t:80375919]...</cite> <quote>random_man9119 posted... </cite><quote>I still don't understand credit cards enough to use them... I don't see why you wouldn't just pay with the money you have like you would with a debit card...The only downside I currently have is that I don't have a credit score... But so far that actually has come up in anyway for me...</quote>Builds your credit - so you get a better interest rate on auto loan or mortgage down the lineTypically have bonuses for opening the card (for ex, spend $1000 in first 90 days and you get a $200 credit)Alot of cards offer cashback in the range of 1-3% (for ex, anytime you spend $100 you get a free $3 back) Some cards have travel benefits - I work for a bank and our "Travel" card makes it so you avoid currency conversion fees when you travel. So you can go to europe and use your CC on something and not get charged for converting from USD -> Euro </quote> ... Copied to Clipboard!
zado19 03/11/23 5:26:06 PM #51:	Pretty telling that main agrument as to why this is bad advice boils down to "well people are dumb and have no self control" But that doesnt make this bad advice.... a credit card is a great thing to have, but if the sheer IDEA of having one means you will start randomally buying shit for nor reason when you cant pay it back by the next pay, then yeah you shouldnt have one. Thing is, humans have this interesting ability where they can LEARN things. If there was more useful education around money, this would be a non issue <cite>zado19 posted [p:972108324] in CNBC: Why ... [t:80375919]...</cite> <quote>Pretty telling that main agrument as to why this is bad advice boils down to "well people are dumb and have no self control"But that doesnt make this bad advice.... a credit card is a great thing to have, but if the sheer IDEA of having one means you will start randomally buying shit for nor reason when you cant pay it back by the next pay, then yeah you shouldnt have one.Thing is, humans have this interesting ability where they can LEARN things. If there was more useful education around money, this would be a non issue</quote> ... Copied to Clipboard!
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Current Events > CNBC: Why You Should Buy Everything With Credit Cards (+) Yeah! (+)

Current Events > CNBC: Why You Should Buy Everything With Credit Cards