So Yas Forums

People don't realize how mindless many Americans are, their level of consumerism is your level on fucking crack and steroids together. Which naturally leads to them spending money they don't have.

For more info: look up surveys that were done about credit cards around Christmas time in North American, you're gonna be effing shocked.

What in the STAR-SPANGLED-FUCK cost you $1.6K?

Attached: 10346194_10203690223884946_8423581570743304828_n.jpg (410x400, 34.5K)

What is cash back? We keep our money simple, so we don't get trapped in some corporations money scheme.

A credit card is not part of the money and debt concepts in a civilized nation.

Are you fucking kidding? If something costs $100 it only costs me $98 if I use the card. Are you really that simple?

Is there no interest on the card?

That is not something that exists in a civilized nation, when something cost 100€ it costs a 100€ no matter what payment you use.

Only if you carry a balance, which I do not. You obviously have no idea how this shit works. Get rekt foreigner

Incorrect. If you allow a financial institution the privelege of handling your cashflow (which makes them money) you are rewarded for it. Banks compete for my business.

If you want to be played by corporations, be my guess. I would not trust a company that came with something as silly as "pay back".

Are you from a third world country or something?

What are you, 12? Almost every adult in Europe (excluding brown-skinned shithole countries) has a credit card. We just don't use it to pay all of our shit, only like 50%. We also got pay back credit cards with points and shit like the american faggots

Holy shit you're dumb

Attached: giphy.gif (245x300, 1.91M)

We spend money we actually have.

Never heard of that in my 30 years of creditcard ownership. What shithole European country are you from, must be south, they are bad with debts.

For not falling for corperate greed. Starting to understand why you are all in debt.

Depends on the country. Most people I know use debit cards, because most of the time it doesn't make an actual difference other than when is the money in the bank retired. I use debit for easier tracking of expenses, credit only for big purchases or if the debit one is not supported (which happens only once a year maybe).

>muh self righteousness
>muh evil corperations
kek poor people get so assmad about money

Most non-americans are amazed at the fact that you get a credit score that follows you your whole life and you have to worry about paying credit just to make the corporate overlords happy.

When taking loans, they evaluate your financial situation, your salary, outstanding debt, whether you're in the registry of defaulting debtors, and that's it. No credit score controlled by god knows which criteria of third-party companies.

you know that you have better money management and more in the bank when you don't take loans, right? Meaning people taking loans to pay for things will usually be poorer?

So you are in debt, i pity you. Have fun cooping.

how do they suck dick? what is different between an EU and US credit card?

Just bullshit Nationalism, they are practically the same.