Mollennials don't use credit cards?

you know debit cards exist, right?

>Millennials know not to spend more than they have
Why is this bad?

I’ve maxed out several (((credit cards))) doing cash advance for fentanyl….I’m just not gonna pay these Jews back is all…uhhhh I know but I’m not paying!!!

They dont own one because they either did, maxed it out and never paid it back, therefore destroyed their credit OR they have never had a job, therefore no means of ever getting approved for one. Loser 1 OR Loser 2. Pick one

because banks won't profit on your addiction to debt, duh

By the way, is that a 1 year phone you have? You should DEFINITELY get a new one. It's got 20 more megashixels.

My credit card has 0% interest and pays out 1% cash back on every purchase.

>I'm going to magically be given a loan for a house without a credit rating

It says "millennials" like everyone lives in the US. In Europe a credit card is little different to a debit card except you can get yourself into debt.

Avoid debt. Especially since interest rate increases are coming.

You use borrowed money to obtain assets and have others pay it off for you. That's how the system works. Reliance on purely debt is the retard take. But also using credit to buy shit that isn't assets.

>im getting paid!
lmao retard.

I have zero denbt, my gobernment can go suck Merkel's dick for all i care.
>Thinks debit cards aren't within the credit card network
Yap, here we have another zoomer.
The only difference being, debit directly takes money from your account, while credit card bill is paid ones per month. And having a credit card instead of debit is the first step to get a credit score. Not to mention that credit card is insured, while debit card is all on you. So if you loose it or it gets stolen, it's your money that's gone not the banks.

Common boys, it's ok to play revolution, but smarten the fuck up first.

WTF IS WRONG WITH THIS THING

Attached: 64B73EDD-D566-4761-9AD8-23FAB31F1DD7.jpg (1125x1470, 809.77K)

Regardless of if you think credit ratings are stupid or not they still affect you. Case in point, this dumbass says they would take out loans with better interest rates instead of a credit card without even realizing that the credit score is what gets them approved for the loan with a better rate.
>muh usury
So banks should just loan you their money for free? What incentive do they have to do that? All the power to you if you manage to go through life without having to ever take out a loan but acting like you should just get it for free is retardation

Because they still live at home and mommy won't let them get one is probably the reason for 90% of it.

I've never been behind on a payment, so I've essentially just gotten a few hundred dollars in free stuff based on credit card points. It's been a net positive for me, but that's only because some people are so dumb they spend money they don't have and it makes credit card companies rich.

>credit rating
Kike trickery should be banned.

I will get a credit card when I will need it, what retard gets a credit card when they barely buy anything worth more than 50$

>Why is this bad?

It creates a financially conservative society. After 50 years your country becomes Germany.

See Germany vs USA.
See why most it companies start in silicon valley.
See why most fintech companies in Europe start in London and Amsterdam not Berlin.

Canadians have the same Jewish rulers as the US? I thought credit ratings were purely a US thing.

I use credit cards because in a dispute it's not my money on the line, it's the bank's. If someone steals your debit card that money is tied up until the fraud investigation returns it. With a credit card it's never your money on the line, it's the bank's.

They don't have the credit scores for it.

You get credit from things other than credit cards my sweet zoomer child.

t. 700 something score, never had a credit card

How do you suggest banks mitigate default risk then?

They are just too dumb to use it properly, imagine paying cash for anything that you will use for more than a year

I have only ever used a credit card as a means of purchasing things online. I barely even use it for that purpose. You can't make me buy shit unless I absolutely need it. Never getting a mortgage, never paying rent, never buying a car. I will ride a bike to work and only when I finally run out of money. Never buying shit to impress a femoid. I will masturbate to anime. This kills the jew.

When my bank representative asked me about getting a credit card I laughed in his face. Told him only poor people and retards use credit cards. Debit is the only thing I will accept, although I'd rather not use services of any bank at all.

Anyway, I usually just put my money pretty quickly into working on my land or buying things I need. Holding large amounts of fiat is just bad. Ever since I spent all my fiat to buy land I haven't went above 20k euro on my account. If I get close I just buy stuff, including silver.

If you treat your credit card like a debit card you get cash back and build credit. Debit cards do not give any cash back and do not contribute to credit history

I bought a house at the lowest interest rate possible in my country without ever having taken a loan.

I had/have good savings and a good job.

Credit cards are a good way to boost your rating with 0 effort if you aren't a retarded nigger.

I have a credit card with tiered cash back rewards. If you have the cash to pay it off there is no disadvantage to using a credit card with rewards, as long as you don't unconsciously change your spending habits

While there used to be a myriad of reasons to have one I can understand why people don’t anymore, I got mine many eons ago when I bought my first house apparently millennials don’t do this either so that might also be why

Stop giving out loans that people can't pay back within a decade on their current income.

>own a credit card
Them shits end up owning the user.

>If it is something I can’t afford, and it’s a very expensive item (i.e. car/house), then I would use loans that have significantly better interest rates than credit cards.
lol, what? Does he seriously think people use credit cards to buy houses?
Also he apparently doesn't realize you need a credit history to be approved for a mortgage. They don't see zero history of credit card use as a good thing when you apply for a loan to buy a house. They see it as an immediate disqualification.

Attached: aputhink.png (666x607, 151.18K)

I also didn't advocate for not keeping cash reserves, just speaking out of practicality and everyday business.
Ofc everyone should also have some cash, not too much, shiny rocks and crypto.
Ideally some stocks and real estate.

This is really a thread for Any Forums, but OP just wants to larp because of recent developments with Russia.

>not simply existing paying bills
>ill show im good for my debts by frivolously buying stuff to demonstrate to kike lenders how much interest i am able to generate for them
peak nigger behaviour

Attached: 1643348734355.gif (498x387, 477.15K)

You guys know if you set up autopay there is no interest fee so you just get interest free money for 30 days.
You also have the consumer protections where your account won't be drained by a fraudulent purchase, because the charge won't be due till the bill comes and can be reversed at any time.
You additionally get reward points for doing nothing more than the same spending you would do with a debit card.

Attached: 1646450310866.png (680x538, 62.62K)

The only thing I've ever borrowed in my life was $40k to buy a house (I saved the rest myself), and I'll pay it off by next year, having given the bank a few hundred dollars in interest.

How will shlomos ever recover?

Dont you need, like, money and a job for these things?

>he still thinks banks loan you their own money
Jesus Christ wake up kiddo

Why to use credit card for things i can afford is beyond me

Their credit score isn't high enough for credit cards.

kys you rat faced fuck
thispersondoesnotexist.com

By sucking my uncut phallus.

Millenial who has never owned a credit card here. I dont own one because theyre a fucking scam. Sure, I could game the system easily for profit, but at what cost? I dont want a credit card or paying off credit to occupy my brain for one second. I can live off what I make and I dont need to spend above my means.

Its bad enough that my government tricked me into getting student loans and houses basically cant be had without a mortgage.

Because i never had a credit card, i was able to swiftly pay off the student loan shit and i have a mortgage which is my only debt.

TLDR: fuck bankers, fuck feds, fuck boomers, and fuck jannies,

they just need to see a history of you paying your bills. Credit card was just another thing they use to gauge.
staying employed over mulitple months helps.

>loan you their money for free
It's not their money, it is partially the money of the people that store their money in that bank and partially a fiction that only the banks are allowed to create out of thin air.

Why is Shawn such a raging anti-Semite?

People are like you are why the West is headed to collapse. I hope you feel good about yourself.

Credit is a scam. I have a debit card and I turned off over draft protection. We are all being raped by fees and interest. Never borrow money unless its an emergency and then pay it off as quickly as possible to avoid paying all the interest. Banks and lenders can outright fuck themselves.

mate my house payment is the only thing on my credit. Once it's paid off I wont have any credit because I'm not a slave.

>You get credit from things other than credit cards
What, a car loan? Student debt?
I know there are systems now that let you try to use your history of paying utility bills to help with credit history but that's more to increase a score you already have, not to be the sole basis for a score.

>Why would I buy something with a credit card if I can afford it with cash/debit
To build your credit score? To collect rewards points? In the grand scheme of things it’s not much but I don’t send that that much money anyway, regardless I’ve collected about 1100 dollars in 3.5 years with my credit cards and I’ve never paid a cent in interest. 1100 dollars I never would have gotten if I used cash and debit. The prices of everything is higher than they’d need to be if credit cards don’t exist, because merchants need to pay a fee to credit card companies to be able to accept them, obviously merchants don’t pay that cost out of pocket, they just increase the price of their products, so whether you use a credit card or cash/debit you pay more for goods for the sole reason that some people use credit to pay, and if you don’t also use credit you are giving up on thousands of dollars. It’s stupid not to maximize your rewards.

because we grew up watching kikes and their money fucking destroy our adult life as it approached

Bet he does. That's based.

Yes. They wanted to see a history of saving, payment of bills and a secure job. Good enough. They also started ringing me and offering me loans once my savings got high enough.

Pretty obvious. It's fucking stupid.

Uhh goyim? Wanna explain?

>they are allowed to use credit cards

Attached: f1230501d33cb2c6055b2d6ea221a22d.jpg (346x360, 15.83K)

>So zoomers are now millennials?
if 22 is a zoomer then what is a millennial faggot

i don't even use banks anymore user, i spend my money via gift cards

I remember when a jewess at my old bank tried that shit on me. "So how do you pay your bills?!?" I came SO close to saying "with my dick" but I just shrugged. Not her fucking business.

they fell for the dave ramsey meme

I intend to never owe money to any corporation or business, and I don't support the credit model. I may not be terribly wealthy, but all that I own is mine.

>money
Fuck you and your semitic nonsense

so 49% are trump voters

>They don't see zero history of credit card use as a good thing when you apply for a loan to buy a house. They see it as an immediate disqualification.

this is an extremely gay and kiked thing to do but unfortunately common

gotta get the goys into debt-slavery one way or another

Why would i get a card where i have to pay anything a month?

I have a CC with a credit limit of $1000 that I use for most of my purchases online and in store so that if the CC details are compromised it's not my money at risk.

You generate bills to pay with your credit card.

>Im retarded and cant read before doing dumb shit

The absolute state of millenials

did the same to me, i never reply back. It's just the lender wanting more commision by securing another loan deal.

My mom always told me to never get a credit card (always debit) and to only buy what I can afford.
I'm forever thankful of her advise.
Of course it doesn't apply to things like buying land or a house, but never get in debt for a fucking TV or a phone, let alone food like I've seen some friends of mine.

holy based

>if 22 is a zoomer then what is a millennial faggot
Millennial doesn't mean born in the year 2000 you retard.

Attached: FT_19.01.17_generations_2019.png (1281x695, 44.66K)

>To build your credit score? To collect rewards points?
Good goy

I've never paid bills with credit cards either. Not giving any bank info to fucking companies.

I owe like $80,000 on American credit cards lol. Thanks for the Tv's and home gym and so on Jew banks.

There might be differences between countries, but at least what I see in my surroundings is that millennials are the doomer generation. Some millennials are doing pretty well, but in general everybody is pessimistic and don't expect anything anymore. In Spain, you have the natives, the south americans and the arabs and everybody is equally fucked. The natives at least know they will inherit a flat in the city and a house in your degenerate hometown, but that's all. Just pessimism and degeneration. Every year is gonna be worse than the previous one. Just a continuous process of decay and death. RIP.

Yeah the jews work for YOU.

Attached: 1644936005009.gif (220x292, 39.56K)

you are beyond dumb.

So only 51% of Millennials are financially retarded?

Having absolutely NO money is a college education in fiscal responsibility.

Imagine not paying off your card in full every month

I don't blame them for not wanting credit cards since it is insanely easy to get into a lot of debt
Me personally I'm beginning to clean out my balances and thankfully I dont have much other expenses so in theory I should be able to be nearly debt free by the end of the year

Attached: Fuhrer President King Bradley wants you to think.jpg (1280x720, 129.9K)