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Current Events > Do y'all buy things on credit cards that you can't afford?

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[deleted]
02/26/24 12:01:57 AM
#3:


[deleted]
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Hickey_Blvd46
02/26/24 12:58:23 AM
#1:


I can't lie I'm guilty of it at times but I always find a way to pay it off

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Senta
02/26/24 1:01:36 AM
#2:


I don't even have a credit card. I've never had one, so my credit is mostly nonexistent.

I just don't like them.

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Rika_Furude
02/26/24 1:03:35 AM
#4:


I dont use credit cards. If I cant afford it, why would I buy it?
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archizzy
02/26/24 1:07:35 AM
#5:


Never. I have a card that I put all my monthly purchases on to get the cash back but I pay it off every month. I treat it like cash. Im turning 48 soon and Ive never paid a penny in interest on a credit card in my entire life.

The only things I didnt buy outright and pay for that month were my house and my truck which are both fully paid off now but I did have loans on those.

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boxoto
02/26/24 1:09:44 AM
#6:


I only use credit cards to pay for bills, to build up my credit, then pay them off at the end of the month.

maybe in the future, though.

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Malcrasternus
02/26/24 1:39:50 AM
#7:


I only buy what I can afford with mine. I pay it off every month.

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pfh1001
02/26/24 1:46:22 AM
#8:


Hell no.
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Sir_Will
02/26/24 3:44:39 AM
#9:


Malcrasternus posted...
I only buy what I can afford with mine. I pay it off every month.


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Glob
02/26/24 3:49:35 AM
#10:


I havent used my credit card since 2009.
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ai123
02/26/24 3:57:51 AM
#11:


I have used a credit card to buy large, expensive items, that cost too much to come out of a monthly budget.

I don't consider that to be 'more than I can afford', as I had no problem meeting repayments.

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OriginalPlain2
02/26/24 4:13:45 AM
#12:


No really, no

i think finding a way to break that feeling of needing something ordered is important

once you get what you ordered not much really changes but that dopamine rises so maybe thats needed imo

also your money do what ever you wish

I try to space out my $ but yes I like to order things that help with the mind

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Zwijn
02/26/24 4:23:44 AM
#13:


Nope. I only have a CC for sites that require it, in my country we normally only use debit cards and iDeal. Got said CC from a foreign bank that doesnt charge for the usage but havent even used said card in years because I use PayPal now that just takes the required amount from my debit card on the spot.
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Malcrasternus
02/26/24 4:28:07 AM
#14:


Also I really like my current CC since it gives me bonus points on gas and groceries, so things I was going to buy anyways, and just now bought myself a timegrapher for essentially 10 dollars as a late gift to myself.

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Rotterdammerung
02/26/24 4:39:09 AM
#15:


Nope, never

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Stagmar
02/26/24 1:15:36 PM
#16:


I only use my credit card for online purchases and thats only because I cant use anything else for them. I rarely put more than $40 on it in a month.

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Kaldrenthebold
02/26/24 1:16:10 PM
#17:


I use my credit card for 100% of my purchases and pay it off immediately. I get a lot of benefits that way like tons of Amazon cash.

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UndefeatedGOAT
02/26/24 1:18:49 PM
#18:


I barely use mine, mostly for online shopping or digital purchases or subs, and I pay weekly.

I would use it for everything but the lag for transactions to post makes it not worth the hassle, ideally i could pay on credit card and pay off the credit card immediately
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Paragon21XX
02/26/24 1:23:09 PM
#19:


If I have to pay credit card interest, I simply won't buy it until I have enough saved up to pay the statement balance in full. Exception is if there's a same as cash financing option available like my new fridge.

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Starks
02/26/24 1:23:27 PM
#20:


Senta posted...
I don't even have a credit card. I've never had one, so my credit is mostly nonexistent.

I just don't like them.
You're basically inviting yourself to never be eligible for a loan or a mortgage. Start building your credit before it's too late.

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PeteyParker
02/26/24 1:25:16 PM
#21:


I pay my credit card off every month so no.

I've financed some big purchases that are expensive but I'll only do that if its no interest.

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MrDrMan
02/26/24 1:27:13 PM
#22:


I dont have a credit card. If the money isnt in my account I dont buy it.

Im looking into getting one now for the sole purpose of building credit for a mortgage loan.

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MrDrMan
02/26/24 1:32:39 PM
#23:


Starks posted...
You're basically inviting yourself to never be eligible for a loan or a mortgage. Start building your credit before it's too late.

Mortgage loan maybe but you can 1000% get an auto loan or other type of loan with little no credit.

No credit is better than bad credit. Someone will lend to you.

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SaikyoStyle
02/26/24 1:34:18 PM
#24:


I use my credit card to pay for things like airline tickets and hotel stays. I also use it to buy gas because I get cash back on that.

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Starks
02/26/24 1:37:07 PM
#25:


So many people don't want their money to work for them. It's upsetting.

You should be making 5% interest on your cash and at least 1.5% cash back on every purchase.

You're not doing that without credit cards or cash management accounts. Your money won't grow in a bank and your debit card has no protections if you ever get fucked by a purchase.

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#26
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MrDrMan
02/26/24 1:53:37 PM
#27:


Starks posted...
So many people don't want their money to work for them. It's upsetting.

You should be making 5% interest on your cash and at least 1.5% cash back on every purchase.

You're not doing that without credit cards or cash management accounts. Your money won't grow in a bank and your debit card has no protections if you ever get fucked by a purchase.

1.5% is peanuts. Its not enough to change behavior. On 100K thats only $1500 back.

I do agree with interest and purchase protections though.

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LightningThief
02/26/24 1:57:18 PM
#28:


Assuming you mean purely recreational/pleasure, in which case rarely.

But it's nothing crazy expensive. Something I can easy pay off later that month, at worse next month.
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IMNOTRAGED
02/26/24 1:57:47 PM
#29:


PeteyParker posted...
I pay my credit card off every month so no.


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Cocytus
02/26/24 1:57:53 PM
#30:


No

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Sephiroth_C_Ryu
02/26/24 2:05:19 PM
#31:


Modern society has conditioned most people to accept perpetual debt as normal and even good. Like you literally cannot find housing accomodations unless you have this stupid thing called a "credit score," even if you have enough money to just pay a year of rent up front.

It is stupid when you think about it.


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SauI_Goodman
02/26/24 2:07:55 PM
#32:


Nah. I just buy 50 bucks worth of groceries once in a while to keep it active.

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BucketCat
02/26/24 2:07:59 PM
#33:


no, the only time I've ever used credit cards is when I am already planning on making a large-ish purchase, and there are cards with those introductory instant cash-back or rebate deals happening.

that way, it's basically a huge coupon for something I was planning on buying anyway. then I'll pay off the bill immediately and never touch the card again.


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Tyranthraxus
02/26/24 2:11:16 PM
#34:


Rika_Furude posted...
I dont use credit cards. If I cant afford it, why would I buy it?

Lots of cards have reward programs. If you can pay it off every month then you can afford it and not using it is just leaving money on the table.

I get 5% back on every Amazon purchase I make, for example.

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#35
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Guide
02/26/24 2:11:54 PM
#36:


I have never done this, no. Credit cards are entirely for building credit, for me.

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theAteam
02/26/24 2:12:48 PM
#37:


I've never carried a credit card balance (i.e. I pay it off every month), but I use mine all the time. I just got a free flight to Europe from accumulated points. It'd be dumb not to utilize that unless you physically cannot control your spending. There's also a lot more fraud protection from my credit card than my debit card, among a ton of other benefits.

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Starks
02/26/24 2:14:56 PM
#38:


MrDrMan posted...
1.5% is peanuts. Its not enough to change behavior. On 100K thats only $1500 back.

I do agree with interest and purchase protections though.
At least 1.5% for non category spend. 3% for dining is also essential. And then 3 to 5% for gas, groceries, rotating categories, portal travel, etc. Maybe 10% for rental cars if you like full price booking.

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#39
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Jupiter
02/26/24 2:48:27 PM
#40:


Rika_Furude posted...
I dont use credit cards. If I cant afford it, why would I buy it?
Cash back card = free money. That's one reason.

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Crimsoness
02/26/24 2:49:32 PM
#41:


That's the point of a credit card is it not? To buy things and pay over time?

That said I've never maxed it out or anything

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#42
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NeonOPPAl
02/26/24 2:51:32 PM
#43:


No, I treat it as money I have and pay it off in full every month.

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garan
02/26/24 3:02:05 PM
#44:


Rotterdammerung posted...
Nope, never
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