Seriously. At this point, should we all just ignore our credit card bills?

Dude, paying down credit card debt should be the first priority above all else. Interest rates on that shit is stupid high.

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Absolutely hold off.

Yeah that's my guess. Having literally any charge on my credit card shows up on my credit report as debt, but I pay it off each month. That's a crazy misleading statistic.

If only you really knew how bad things are.

Nope. Pay back what you owe.

I’m debtless and not about to start accruing now. Don’t really care what the rest of you do.

I don't have credit card debt. No bailout for deadbeat consoomers

Simp

what? you actually pay those?

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your credit will tank along with about half of americans. Just depends which half youd rather be on when this is over

They should. Watch what happens when everyone stops paying off their jew debts.

Same, I was already in debt from being a pseudo-NEET, but I ended up maxing out my card buying a gun and a bunch of food.

here is a cool life hack

the trick is to just keep transferring your balance to a 0% interest promo offer new card for a year and never pay it back

Time for another credit cards are an evil Jewish scheme because Yas Forums is filled with basement sweeping retards with no self control.

Freedom:

- I have no Credit Card (no jewish plastic)
- I have no mortgage
- I have no car payment
- I have no life insurance
- I have no satellite radio
- I have no cell phone data plan
- I have no Streaming TV service
- I have no Amazon Prime membership
- I have no medications
- I don't smoke nor drink
- I have no newspaper and magazine subscriptions

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Many families have been surviving on credit since before 2008. It's a lifestyle.

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If half of Americans have bad credit then they will adjust the credit scoring mechanism.

Enjoy saving for 20 years to buy a home. Oh, wait! The home you had your eye on is now double the price!

I don’t believe in credit either, but as long as the rest of the country is using it to leverage their long term value, you will just continue to fall further behind.

No. They will write off that bad debt and sell it to a debt collector. So they don't pay the taxes on the full amount then make something on the account. Once they write enough bad debts, the government will bail them out.

>me in 2008

Debt slave

Oh NOW somebody mentions Gen X. Fucking media.

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>Debt slaves actually believe this

No, they won't. They'll just charge more people with higher interest rates on consumer credit

>be me, smart user
>never ever placed a single fucking milk carton on credit
>pay everything with available funds, or go without
>some retards who placed iphones and laptops on credit get bail outs
no fuck you. you have to pay the price for having fun

Rode the Bitcoin meme since 2013

Own my own house (Sold 3.5 BTC for it)
No debt (Paid off with BTC)
No student loans (GI BILL)
Don't work (Haven't had a job in 6 years, but made $65k last year)
Made $43k on Carnival cruise ship put options this month and I'm done for the rest of the year. (Probably make $100k+ after my VIX puts print later this year)

There is literally free money out there, you're all just fucking stupid.

heaving debts makes you forever a jewish slave
i have zero debt

>have zero debt
>not dependent on substances like alcohol or nicotine.
I know that feeling bro, and it is an amazing one. I am guilty of the subscription service, I have one with a seedbox because it is haram to torrent in Germany.

It depends on your habbits really I was saved this time around, because I do have savings on me, but this time around couple of months ago went to buy a guitar, keyboard and cables, those things are expensive, so I was already paying those and didn't had much money from my salary left I had to use the Visa to prep, wich I did. It's not pretty I will pay less than the actual bill so I can get rid of the debt in a month or two, but that was and expetionally incredible coincidence, that I bought something really expensive recently, doesn't really happen to me, like never.

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Not using credit cards is dumb. I get cash back and build credit. I fucked up by not using credit cards to build my credit in my early 20's.

Just don't fall for the interest jew. Pay off your full balance every month.

What is the interest rate on most US cards? Ballpark like?

Going in the red on your bank account is like 10% interest for basically all banks (some a little more, some a little less) here.. Meanwhile most of them give 0.03% interest on savings (not even kidding, unfortunately) because times are so hard for them.. Are CCs more, or less than 10%?

Enter sub prime lending bubble of 2028

We're the unsung heroes m8. We cracked the code and started the rebellion well before (They) knew we were even rebelling.

Let the kids take the credit though--lord knows they need the confidence boost after what they've been through.

>feed the debt system that empowers the kikes
Howdy Rabbi

Debt as in rolling over a monthly balance and paying interest?

Some people say you build a better credit score by continually owing a balance, some say to use a credit line but always pay it and never have interest.

Hyperinflation is coming. Spend your cash on anything material, gold, silver, ammo, food, toilet paper, etc. Even stocks and crypto are safer than fiat. The good news is that it will eat up any debts you have.

20%+ if you have no or bad credit

>I have never paid interest or fees in my life
Bad goyim! You should be buying shit you don't need with money you don't have to impress people you don't really like.

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Yep pay only minimums right now just incase

how the fuck do you have credit card debt? It's the most avoidable fucking thing in the world

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I use a credit card for all my purchases that I can. I pay it off every paycheck. I end up with cash back, pay zero interest and get 100% fraud protection. About 10 years ago I had a cc with zero interest for two year. I maxed it out and bought 25k in silver. I made about 50 grand when I sold it all.

If I have a stable job with 30k in savings with no debt,,,,, will I finally be able to fucking buy a house after this shit ends?

If you live in a LCOL area, probably.

So you’re the reason interest rates are so high. Kys.

They still get paid a transaction fee from wherever you made the purchase. Usually around 2.5% of the purchase price.

You should get one and put your normal expenses that you know you're paying off to it. The pay the whole balance before you get charged interest. You get a better credit rating and chargeback protection.

hey now, they funded my armory. And when the internet goes down I ain't paying shit.

They say its like 18% but one late payment or if the wind blows north and they raise it above 20%.

Literally just paid my balance on both my credit cards this morning. Can you go fuck your self you irresponsible faggots

if you use a credit card to increase your credit score you have to accumulate debt and pay the interest charges.

Have fun writing checks at the grocery store while I get 2% cash back on every single purchase

I have zero debt.

Only pay off debt if they get a judgement. Most debts will eventually fall off your credit report after the statute of limitations ends

I pay my credit cards off and next thing I know they are through the roof again.
Im a puppet

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>had a credit card balance in the first place
thank you goyim