Credit card bad

What country do you live in where you dont have CC with cashback? Basically you earn a return % everytime u charge the card. Mine is 1.5%, alot get %2. So for every $100 I charge, I receive $1.50 back. APR is the interest rate to the balance on your CC, but it doesn't get tacked on immediately, generally 20 something days after. If you constantly pay off your balance, you don't pay interest, so your CC is essentially a debit card that earns you cashback. Make sense?

This. I don't understand why people have this thing against credit. Unless you're absolutely loaded you're not going to be able to get one without a loan. Banks want confidence that you'll pay back your loan. Your credit score is your best indicator of that.

This. I use my credit card to buy regular stuff like I would with cash or debit card. The only difference is I get 3% paid back to me for every dollar spent. Literally free money.

I was looking to do this but I calculated that with my monthly expenses the cashback I'd get wouldn't even match the yearly fee. Do your cashback benefits beat your fee?

>not paying for your house in cash
cringe.

There are tons of cash back credit cards without fees if you live in USA. Citi Double Cash is 2% back with 0 fees.

Fuck me in the ass. Americans are living life on easy mode.

Ive had 2 credit cards for 3 years.

Lost 0 dollars
Made about 900 dollars on rewards

Exactly Bro. It almost makes no sense not to have one. Just be goddamn responsible with it.

I dont have any fees or startup charges. Only fees I incur are convenience checks or cash withdrawal, which also incur interest as well

If you just PRETEND it's a debit card and pay the monthly balance immediately, then there is no reason NOT to have a credit card.

I get like $300 a year in free money due to the cash back thing.

The idiots who don't pay the monthly balance are mentally disabled.

>dude, I really need that new Warhammer 40k figure set. I'll just charge it and pay 18% interest. You know how badly i NEED it right now!

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>credit card necessary

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Yup, love Citi Double Cash.

Maybe for literal retards
Imagine passing up on
>2-5% cash back
>fraud protection
>travel benefits
>line of credit for emergency needs
Is it really that much of a challenge for some people to pay off their bills on time?

I live on $1650 a month I get from the VA. So far I've maintained my discipline with my CC and like you said it's nice to have an emergency safety net

my crypto debit card does that plus gives me free spotify, netflix, and amazon prime.

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>balance transfers
>cash back w/o fees
>low interest

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Which coins are linked to a debit card?

I always wanted to try onions, unironically.

Don't believe the negatives. It's good stuff.

Argentina

>Hello I would like to buy one (1) house with cash.

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man receives $100 wage in the only option: a bank account
the bank, uses the $100, to lend $1000 to the man.
the man uses the $1000 to buy a car, to get a better job.
the man gets a $200 job
the man pays the bank back $2000
the mans car is designed to fail or need expensive repairs after 3 years, because the car manufacturer needs more revenue to pay the interest on the loan it took out to build the car plant.
the man buys a new car, with another loan from the bank.

>a banking license
now that's something i'd like to own.

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>Paying for a house in cash with the current interest rates instead of buying 4 houses with mortgages
Cringe

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sweet negative equity tips bro