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Hearing about people's CC ๐ณ debt makes me sad ๐ (srs) (damn)
Hearing about people's CC ๐ณ debt makes me sad ๐ (srs) (damn)
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03-12-2023, 02:55 PM
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#1
- Rotmaxxer
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- Rotmaxxer
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Hearing about people's CC ๐ณ debt makes me sad ๐ (srs) (damn)
The interest is so high ๐ตโ๐ซ and it hurts to think of someone with a low salary falling into this hole of high-interest debt ๐
I don't blame it on the bank ๐ฆ ๐ค at the end of the day, the bank is lending them money and the borrower has agreed to pay these rates ๐ค๐ค The borrower should know that there's no such thing as free money ๐๐ I guess it's more sad to think about what got them into this situation ๐
I don't blame it on the bank ๐ฆ ๐ค at the end of the day, the bank is lending them money and the borrower has agreed to pay these rates ๐ค๐ค The borrower should know that there's no such thing as free money ๐๐ I guess it's more sad to think about what got them into this situation ๐
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03-12-2023, 03:21 PM
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#2
- Nicklol
- Bodybalder
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- Nicklol
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paid mine off recently
it's such a trap for us poorcells.
my pc broke and I used credit instead and then the balance/ interest just kept adding up.
it's such a trap for us poorcells.
my pc broke and I used credit instead and then the balance/ interest just kept adding up.
Doordasher crew (SRS)
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Bald crew
03-12-2023, 03:22 PM
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#3
03-12-2023, 03:30 PM
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#4
03-12-2023, 03:31 PM
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#5
03-12-2023, 03:32 PM
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#6
Been paying off my credit card accounts in full on a monthly (or sooner) basis, for roughly 5 years now srs. Credit score is around the 790's, my banking app tries to give me "up to $500k for a house" and "up to $50k for a car" deals all the time lol. They also keep multiplying the maximum of my credit card limits, however at this rate I'll be shocked if my balance ever gets anywhere close to 10% of that limit tbh.
I realize the above is a brag blog, but really I'm writing that because it's my behavioral habit to ensure my credit cards are fully paid off very often, as well as to ensure I have enough in checking to cover any of that off while also having an emergency fund to boot. People who don't do this are idiots - unless of course they're going through an emergency or something.
A family member of mine has a house and refuses to pay a monthly bill of like $100 to get the HOA's third party company to mow their lawn. So instead they've gone through three different mowers, and decided to "buy" a nice fancy one with a credit card for over $4k SRS. They are lower middle class income, and their interest rates are ABOVE 30%. Absolute stupidity, would've been better off just paying for the landscaping service tbh, that's what I plan to do whenever I own a home.
I realize the above is a brag blog, but really I'm writing that because it's my behavioral habit to ensure my credit cards are fully paid off very often, as well as to ensure I have enough in checking to cover any of that off while also having an emergency fund to boot. People who don't do this are idiots - unless of course they're going through an emergency or something.
A family member of mine has a house and refuses to pay a monthly bill of like $100 to get the HOA's third party company to mow their lawn. So instead they've gone through three different mowers, and decided to "buy" a nice fancy one with a credit card for over $4k SRS. They are lower middle class income, and their interest rates are ABOVE 30%. Absolute stupidity, would've been better off just paying for the landscaping service tbh, that's what I plan to do whenever I own a home.
03-12-2023, 03:42 PM
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#7
- miscerForLulz
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Usury is terrible and unfortunately a system we live in
2:136
Say, หนO believers,หบ We believe in Allah and what has been revealed to us; and what was revealed to Abraham, Ishmael, Isaac, Jacob, and his descendants; what was given to Moses, Jesus, and other prophets from their Lord. We make no distinction between any of them. And to Allah we all submit.
03-12-2023, 04:02 PM
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#8
03-12-2023, 04:03 PM
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#9
03-12-2023, 04:14 PM
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#10
- ralphlaurenbrah
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- ralphlaurenbrah
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Idgaf. Keep the poors poor while I make bank of their dumbasses in the stock market LMAO. Imagine not owning something like an index fund and being a part owner of the 500 best companies in the world making a ****load of $$ off the dumb poors
03-12-2023, 05:59 PM
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#11
- Rotmaxxer
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- Rotmaxxer
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Originally Posted By Nicklol⏩
At least you paid it off, grats! ๐ฅณ๐๐paid mine off recently
it's such a trap for us poorcells.
my pc broke and I used credit instead and then the balance/ interest just kept adding up.
it's such a trap for us poorcells.
my pc broke and I used credit instead and then the balance/ interest just kept adding up.
Originally Posted By Legz422⏩
Technically I have mortgages ๐ but no debt crew also ๐๐No debt crew
Originally Posted By Visel⏩
I make like 3 transfers to my CC's ๐ณ every month even though I have autopay ๐๐ Too worried about ruining my credit score ๐ตโ๐ซBeen paying off my credit card accounts in full on a monthly (or sooner) basis, for roughly 5 years now srs. Credit score is around the 790's, my banking app tries to give me "up to $500k for a house" and "up to $50k for a car" deals all the time lol. They also keep multiplying the maximum of my credit card limits, however at this rate I'll be shocked if my balance ever gets anywhere close to 10% of that limit tbh.
I realize the above is a brag blog, but really I'm writing that because it's my behavioral habit to ensure my credit cards are fully paid off very often, as well as to ensure I have enough in checking to cover any of that off while also having an emergency fund to boot. People who don't do this are idiots - unless of course they're going through an emergency or something.
A family member of mine has a house and refuses to pay a monthly bill of like $100 to get the HOA's third party company to mow their lawn. So instead they've gone through three different mowers, and decided to "buy" a nice fancy one with a credit card for over $4k SRS. They are lower middle class income, and their interest rates are ABOVE 30%. Absolute stupidity, would've been better off just paying for the landscaping service tbh, that's what I plan to do whenever I own a home.
I realize the above is a brag blog, but really I'm writing that because it's my behavioral habit to ensure my credit cards are fully paid off very often, as well as to ensure I have enough in checking to cover any of that off while also having an emergency fund to boot. People who don't do this are idiots - unless of course they're going through an emergency or something.
A family member of mine has a house and refuses to pay a monthly bill of like $100 to get the HOA's third party company to mow their lawn. So instead they've gone through three different mowers, and decided to "buy" a nice fancy one with a credit card for over $4k SRS. They are lower middle class income, and their interest rates are ABOVE 30%. Absolute stupidity, would've been better off just paying for the landscaping service tbh, that's what I plan to do whenever I own a home.
Holy crap @ your family member ๐ I feel bad ๐ข but at the same time financial decisions like this just don't make sense ๐
Originally Posted By Howiester⏩
we truly live in a society
brb buying protein powder on amazon in installments with interest
brb buying protein powder on amazon in installments with interest
Originally Posted By tendies⏩
Damn ๐lol you can buy a dominoes pizza on installment plans now too.
Originally Posted By miscerForLulz⏩
Technically the Torah only prohibits charging interest on poor people ๐ค Which makes sense IMO because if you can afford to pay a high interest rate and want to, then that's on you ๐๐ An argument can be made that banks ๐ฆ aren't doing this because if you're poor you can't even qualify for a CC ๐ณ ๐ค๐คUsury is terrible and unfortunately a system we live in
That said, "poor" is vague and changes with time ๐ค If someone lives paycheck to paycheck for example I don't think banks should be allowed to let them borrow money at such high interest ๐ค๐ค but I'm not really sure how to mandate that in law, maybe make borrowing money from CC almost as hard as a mortgage ๐ค๐ค๐ค
Originally Posted By ralphlaurenbrah⏩
Damn ๐ขIdgaf. Keep the poors poor while I make bank of their dumbasses in the stock market LMAO. Imagine not owning something like an index fund and being a part owner of the 500 best companies in the world making a ****load of $$ off the dumb poors
Israeli Jew Crew ๐ฎ๐ฑโก๏ธ๐
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If you have to resort to commenting on my emojis ๐ค then you already lost ๐๐
03-12-2023, 06:07 PM
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#12
- Redfish225
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- Redfish225
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Originally Posted By Legz422⏩
This^^^No debt crew
Credit cards are a legal scam. BRB, pay them to spend money, lol.
Pay cash and be done with it. I have cards but just donโt use them outside of fuel but itโs paid off monthly.
I loe e.
03-12-2023, 06:10 PM
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#13
- NealIRC
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- NealIRC
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Is it mostly Hispanic and Black families that are in cc debt?
Never send a Christian lawyer to go after a Jewish judge.
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Added 2024: I am the forum incel. Feel free to msg me about my incel life or about Chicago's crime / liberal government.
03-12-2023, 06:14 PM
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#14
- Peacening
- dadbod on lock
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- Peacening
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Rack up 6-11k/mo in cc charges between business expenses and life stuff. Pay it off every single month. Make an extra like 1500-2k/year in cash rewards just by doing this. I never understand why people pay debit for anything-- all you have to do with credit is keep track and don't spend more than you have in the bank, and pay it off when you get the bill.
HTC
Proud Dad crew
6'4" height of the gods
03-12-2023, 06:15 PM
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#15
Originally Posted By Redfish225⏩
I have a couple credit cards and use them for the necessities and pay them off each month. After my divorce I spent 9 years not using credit for anything. So I got these, use them for stuff like groceries, gas etc and pay them off every month to improve my credit. I went from high 600's to mid 700's the past year.This^^^
Credit cards are a legal scam. BRB, pay them to spend money, lol.
Pay cash and be done with it. I have cards but just donโt use them outside of fuel but itโs paid off monthly.
Credit cards are a legal scam. BRB, pay them to spend money, lol.
Pay cash and be done with it. I have cards but just donโt use them outside of fuel but itโs paid off monthly.
~ In a world where you can be anything, be kind ~
03-12-2023, 06:17 PM
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#16
- BigTimeOperator
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Bust Out Fraud is when you make all your payments on time at first, thus increasing your credit limit, then borrowing all you can for cash and prizes, then just dont pay it back; and the consequenses be damned. Just Bankrupt everything.
03-12-2023, 06:22 PM
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#17
03-12-2023, 06:28 PM
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#18
- MikeLowrrrey
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Originally Posted By Peacening⏩
Spend $11k, get $2k back. Still $9k in the hole.Rack up 6-11k/mo in cc charges between business expenses and life stuff. Pay it off every single month. Make an extra like 1500-2k/year in cash rewards just by doing this. I never understand why people pay debit for anything-- all you have to do with credit is keep track and don't spend more than you have in the bank, and pay it off when you get the bill.
Whats the purpose of credit cards again?
03-12-2023, 06:31 PM
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#19
Originally Posted By MikeLowrrrey⏩
Because he has 11K in expenses that he will have to pay for one way or another. Why pay it with debit when you can pay with credit, then pay that off with debit and pocket 2k in rewards? Not that hard that understand.Spend $11k, get $2k back. Still $9k in the hole.
Whats the purpose of credit cards again?
Whats the purpose of credit cards again?
03-13-2023, 12:58 PM
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#20
- Redfish225
- Hunter/Fisherbreh
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- Redfish225
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Originally Posted By Legz422⏩
Das it mamiI have a couple credit cards and use them for the necessities and pay them off each month. After my divorce I spent 9 years not using credit for anything. So I got these, use them for stuff like groceries, gas etc and pay them off every month to improve my credit. I went from high 600's to mid 700's the past year.
I loe e.
03-13-2023, 01:14 PM
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#21
- blueberryboy
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- blueberryboy
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Racked up about 1700 $ in charges on my cc lately
Paid in full the other day . Feels good and I will keep it low
Paid in full the other day . Feels good and I will keep it low
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