Post B2YFuJdGLfFeTwYiae by bajax@baj.ax
 (DIR) More posts by bajax@baj.ax
 (DIR) Post #B2YFuEkWVF5XL0uwiG by Hyperhidrosis@shitposter.world
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       i have one credit cardI pay it off every monthmy goyim score decreases.
       
 (DIR) Post #B2YFuJdGLfFeTwYiae by bajax@baj.ax
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       @Hyperhidrosis they try to make it sound like a fair game where you're rewarded for being financially "good," but it's really based on risk assessment: what have people who had similar behavior to you done in the past, and was it profitable for the lender?not carrying enough of a balance month-to-month could actually hurt your credit score. they make more money when they get to charge interest and fees, the only real risk is if you go totally broke and either declare bankruptcy or make them accept a settlement. for example I ran my cards up, went delinquent, and settled for about 40% of the value.  couple years later I was able to get a mortgage.  so what does that tell you?they thought I was just irresponsible enough to miss payments and earn them fees even after taking a huge loss on me.  I've not gotten a credit card since though, just not interested in "building my credit," or any of that shit because it's all fake.
       
 (DIR) Post #B2YFuK86UzvC1azLf6 by coolboymew@shitposter.world
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       @bajax @Hyperhidrosis apparently it thankfully doesn't work this way in Canada so my credit score is apparently amazing
       
 (DIR) Post #B2YFuKdId0sJaLaGHo by coolboymew@shitposter.world
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       @bajax @Hyperhidrosis The mortgage dude was asking me questions like I was an alien because of no debts>"What about the cellphone?">"I just order an older refurb model for cheap"
       
 (DIR) Post #B2YFuL3t2A8suo1UjA by Jens_Rasmussen@poa.st
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       @coolboymew @bajax @Hyperhidrosis Who the fuck has "cellphone debt"?
       
 (DIR) Post #B2YFuLRzaXQO7ZIkIi by coolboymew@shitposter.world
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       @Jens_Rasmussen @bajax @Hyperhidrosis you know these plans where you pay part of the cellphone cost monthly? I'm guessing this is basically  80~+% of plans now
       
 (DIR) Post #B2YFuLp2Crr9H259DU by ElDeadKennedy@shitposter.world
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       @coolboymew @Jens_Rasmussen @Hyperhidrosis @bajax who the fuck goes into debt for a fucking phone
       
 (DIR) Post #B2YFuMIoQ9fwlO0vdA by coolboymew@shitposter.world
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       @ElDeadKennedy @Hyperhidrosis @Jens_Rasmussen @bajax Everyone, it's one of the most common plans ever(Payment plans = debt, btw)
       
 (DIR) Post #B2YFuMe594gnpLxume by ElDeadKennedy@shitposter.world
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       @coolboymew @Hyperhidrosis @Jens_Rasmussen @bajax i mean people do that here but we're thirdworlders i had figured you guys wouldn't do that considering phones are so much relatively cheaper there
       
 (DIR) Post #B2YFuN2teoXT4JZjSi by coolboymew@shitposter.world
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       @ElDeadKennedy @Hyperhidrosis @Jens_Rasmussen @bajax Newer phones are around 600 to 1200$ for big flagship shit. Ain't cheap at all
       
 (DIR) Post #B2YFuNUtygwMTAg676 by waifu@mai.waifuism.life
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       @coolboymew@shitposter.world @ElDeadKennedy@shitposter.world @Hyperhidrosis@shitposter.world @Jens_Rasmussen@poa.st @bajax@baj.ax do normies really need the new flagship phones do they have nothing better to waste their money on