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So are gyms a scam too?
Making money off of people being irresponsible .
Making money off of people being irresponsible .
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Never lol.This is America though.
It's a capitalist country.
You going to blame credit card companies for people getting in debt that they can't get out of?
I'd much sooner blame a bank for loaning money they know can't get paid back than blaming a credit card company for extending people a 1K line of credit.
At what point do people take responsibility for their actions?
the analogy was there to show you that everything in this world is FOR PROFIT and sometimes that profit is banking on your irresponsibility...and when it comes to banks and credit cards their profit is making interest OFF of you...
being responsible is paying off your credit card in FULL and reaping all the extra benefits--air miles, coupons, etc. whatever extra bells and whistles they lure you in with..
your gym membership only benefits you when you use the facilities...if you are there 4 times a year the gym is making money off of you for you irresponsibility of throwing your money at something you don't use...gym's count on those who don't show up...banks count on those who don't pay their cards on time...
my whole point is that the whole structure is built to put people in debt and make interest some where along the line...so if someone can live their life without credit cards, loans, mortgages, banks---more power to them because its not a bad thing..
boatloads? not even close....So you just have boatloads of cash and only pay cash
so instead being responsible and living within your means, you want to blame the credit card companies for allowing you to get into debt
people with no self control always blame others
nope...BINGO!!!!!!!!
I love coughpee
Who wants to go to 7/11 tho? :x
What does that have to do with the ATM? lol and whats wrong with 7/11 ?
Big proponent of making big purchases with cash/debit and using credit for small daily purchases. Groceries, gas, etc.
Use your credit cards for amounts you know you'll pay off easily every paycheck. If you want something nice save up or sacrifice something you already have for it.
@Made In Korea23 what card do you use to get TSA precheck and airport lounge access?I guess if you have a ton of cash and I mean millions and millions, you wouldn't really need credit but I can't imagine having bad credit or no credit and living life. I pay my credit cards off at the end of every month and keep a 0 balance on them. With these credit cards I have, I have a ton of rewards that I get such as free plane tickets/hotels/rounds of golf/car rentals/TSA precheck/Airport lounge access/global entry and these perks all come with being responsible with credit cards. If you're smart about it, why would it be bad to take advantage of all these great points and free perks? Now if you are using credit cards to live a life that your income does not match, then that definitely isn't going to work out but I don't think there is any issues with credit cards if you can be responsible and use it to your advantage.
@Made In Korea23
what card do you use to get TSA precheck and airport lounge access?
I'm about to cop a new card and travel a lot but haven't taken the initiative to pay for TSA pre so I only get it about half the time.
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We just don't be out here talkin credit scores all willy nilly but cot damn!
Highest score I've ever heard.
You're missing the point. You are only supposed to borrow money you do have. If you are using a credit card to pay for things you can't afford you are doing it wrong.
LOL @ thinking borrowing money you don't have is a great idea
Actually.... YOU'RE missing the point because you're pretending that its common for people to use credit cards the correct way
LOL @ thinking borrowing money you don't have is a great idea
You're missing the point. You are only supposed to borrow money you do have. If you are using a credit card to pay for things you can't afford you are doing it wrong.
Yeah I read your other posts. You are right about the majority of the people being totally irresponsible with their credit. I live by the motto if I don't have the cash for it I don't use the credit. Like many others have said in here if you are responsible there is literally no down side to using credit for the perks and rewards. The problem is like you said the vast majority aren't.
Actually.... YOU'RE missing the point because you're pretending that its common for people to use credit cards the correct way
if you don't know or realize this.... not sure what to tell you