So Yas Forums

So Yas Forums
Do you have one?

Attached: FBE8BFDE-9FFB-41AB-887B-BA7E32660B86.jpg (1500x750, 75.38K)

What, a mastercard?

Nope, I’ve got terrible credit cause I’m a retard.

I have terrible credit too from using my Apple Card like a retard lol

How, this concept of bad credit is truely wierd as fuck to someone not American.

Do you all just spend money you don't have?
Why would anyone do that?

Nah we just have a lot of dumb brown people who don't know how to manage money.
I had to spend my credit in an emergency when I missed a flight from overseas.
Also European credit cards suck dick so that's probably why you find it weird as fuck.

Yeah almost no one has a credit card here, we just have money that you earned and then spend. Like a normal person.

I'm churning credit as we speak. 1 519. 760. 2 766

Do foreigners really not understand how money/debt works?

Really? I buy everything for my business on a card that gives 2% cash back on every transaction. Pay it off every month. Do yuropoors really not know about points/rewards? And you call us 3rd world?