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Forum » Percentage of population using credit cards
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Thread: Percentage of population using credit cards

post 1685158183 06-23-2023, 11:19 AM
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#31
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Credit cards are free money if you don't carry a balance
post 1685158243 06-23-2023, 11:19 AM
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#32
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I have about 9 grand in bonus miles from using Capital One all the time.
post 1685158433 06-23-2023, 11:21 AM
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#33
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Originally Posted By TryingMen⏩
Location: Netherlands

Surprised you guys have access to the internet tbh
Sadly the war on cash is a real thing for us too. They tryin to take away the last of our freedoms and they definitely don't want us to have any privacy. If you don't support cash you fail to see the bigger picture. Which is fine, most people aren't on that level.
post 1685158603 06-23-2023, 11:24 AM
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#34
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Originally Posted By Barteh⏩
All you're doing is subsidizing the credit card companies by consoomining more and more needless chit.
Looks like we have Dave Ramsey JR here...

The studies that show CC's spending more than Cash buyers are only vaild when comparing vs people using actual physical cash. Those using Debit cards spend very similar amounts.


Of those using Credit Cards we show that at minimum 51% shouldn't be using them. Probably closer to 65%.

However, that leaves 35% that can and do benefit from using CC rewards including the increased consumer protection.

People as individuals should be carefully deciding if they are part of the 65% or the 35% though.
post 1685158633 06-23-2023, 11:25 AM
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#35
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i have 800 credit score and use CC almost exclusively i charge multiple cards to keep active.

and pay off the balances monthly.

occasionally i'll splurge on take a little longer to pay off on a no interest promotion etc
Look, i know i don't really know you and all, and i know you probably hear this like everyday, but your just so perfect to me. The few hours we talked were really great even if the convo was stale, your really pretty and chill, and your country thats just perfect :'D i really dont know how to explain it, but i think i have feelings for you somehow. i never felt like this with someone i just met, but i felt the need to get it off my chest. sorry for being all weird just idk how to explain it D:
post 1685158773 06-23-2023, 11:26 AM
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#36
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The only time I pay cash is paying h0okers to blow me.... everything else goes on the CC so I can track where the f/ck my money goes.

Pay off immediately and get cash back...
Everything I post is satire.
Tricknology Grand Master.
post 1685159013 06-23-2023, 11:29 AM
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#37
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Originally Posted By Austanian⏩
Looks like we have Dave Ramsey JR here...

The studies that show CC's spending more than Cash buyers are only vaild when comparing vs people using actual physical cash. Those using Debit cards spend very similar amounts.


Of those using Credit Cards we show that at minimum 51% shouldn't be using them. Probably closer to 65%.

However, that leaves 35% that can and do benefit from using CC rewards including the increased consumer protection.

People as individuals should be carefully deciding if they are part of the 65% or the 35% though.
Well yeah I mean I realize it's possible to be a responsible credit card user. I feel like in general people just consoome way more than they'd need to. My biggest problem with the anti-cash people is the privacy problem, which a lot of people don't seem to be very concerned about. They're literally trying to make cash purchases above certain amounts illegal to "combat money laundering". All for our safety brahs.

Of course doing everything in cash makes it quite easy to save money. Figure out how much you wanna save for that month, take out some money and you know what you got. Instead of ordering food every day and buying random chit on amazon constantly. Another benefit of using cash is that in my opinion people like it a lot. Last time I went back home to the Netherlands this dude wanted 900 a month for this furnished house. I told him here's 2400 up front in cash for 3 months and he's like hell yeah. That 2400 in cash is worth a lot more to him than that 2700 digital cash getting taxed and tracked.
post 1685159163 06-23-2023, 11:32 AM
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#38
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Originally Posted By TryingMen⏩
How do you not use a credit card? WTF is 33% of the US population using to make purchases? It's practically more of a necessity than phones. No way people actually still carry cash.
I have never had a credit card. I have visa debit on my bank card for online chit. For everything IRL I always pay in cash.

I've never taken any loan from a bank and I'd imagine I have a credit score of zero.
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post 1685159483 06-23-2023, 11:38 AM
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#39
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i use credit cards and pay them off at the end of the month. better the bank lose their money than mine lol
post 1685159593 06-23-2023, 11:40 AM
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#40
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Originally Posted By isawthesign⏩
i use credit cards and pay them off at the end of the month.better the bank lose their money than mine lol
theyre not though. stores pay the bank 2-3% of every purchase made with a CC. whats why a lot of gas stations and local shops charge a fee for using CCs. they do lose on the sign up bonses though
post 1685159613 06-23-2023, 11:40 AM
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#41
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Originally Posted By outfoxxed⏩
does anything dry up a sloots vagina more than seeing a miscer pull out a bunch of crumpled up $1 bills as he tries to pay for dinner at a restaurant?

and then the cashier hands over the change and he fumbles it. pussies in a 5 mile radius instantly dry up as hes bent over scrounging on the ground for a quarter hedropped on the floor. His date instantly excuses herself because she has an early morning shift at work tomorrow. sloots pointing and laughing at him while he's hunched over with his ass crack showing trying to pick up 25 fukking cents looking like a certified jew. fukking LOL

get a credit card lmao



Agreed
i have one and hardly use it

760 score even then I don’t care about this made up number like a little ho

Hilarious calling me a Jew when ur the dumbass they target being a good consuming little bitch (srs) they basically have u on a leash just lol
post 1685160283 06-23-2023, 11:51 AM
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#42
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Credit card only since 2012. The points/cash back are nice. Nice enough where I can make major purchases without having to "spend" anything.
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post 1685160463 06-23-2023, 11:53 AM
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#43
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Why the fuk wouldn't you use a credit card for everything? Pay off your balance like a normal human being and enjoy the points. Probably close to half of my hotel nights aren't paid for because I have so many points from my cards. I laugh at people that chit on credit cards from my $1000 hotel room that I didn't pay for.
post 1685160633 06-23-2023, 11:55 AM
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#44
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Originally Posted By H00J⏩
i have one and hardly use it

760 score even then I don’t care about this made up number like a little ho

Hilarious calling me a Jew when ur the dumbass they target being a good consuming little bitch (srs) they basically have u on a leash just lol
No one can spend $0 a month. Not even Kormo leeching off his mom. The fact of the matter is that you have to spend money on groceries, phone bill, transportation, clothing (just basic clothing not Tom Ford sht) and maybe some maintenance as well (car, house, furniture, appliances etc)

Put that on a card and get some free money

It's not that hard

I don't buy stuff that I don't need because I'm not an impulsive bitch srs. I can control my spending habits so it's a non issue to me.

You think it's a leash but you wouldn't say that if you saw the free vacations I take because I churn a few credit cards from time to time.
post 1685160933 06-23-2023, 12:00 PM
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#45
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6-8K balance monthly and pay it off every month, free rewards, points, and credit score of peace


u mad OP? Are u?
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post 1685166323 06-23-2023, 01:35 PM
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#46
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Originally Posted By H00J⏩
Lots of people carry cash dumbass wtf are u talking about
I always carry cash so if debit/credit machines go down I can buy my beer.
post 1685166503 06-23-2023, 01:40 PM
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#47
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I've had the same $100 in my wallet for 6 months, everything goes on cards.

Rewards aside you get fraud protection, good luck getting your money back if the debit card skimmer at the gas-station cleans out your chequing account.
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post 1685166733 06-23-2023, 01:45 PM
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#48
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Originally Posted By Anachron⏩
Location : Canada

Do they even have credit cards up there?

Even if they do, they have like maple syrup rewards or what?
we get free aeroplan points so we can get out of this **** hole country
post 1685167613 06-23-2023, 02:05 PM
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#49
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Only Pay With CC Crew.
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post 1685167703 06-23-2023, 02:07 PM
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#50
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you should probably use a CC no matter what really. last thing you want is your bank card details to get yeeted and drained
post 1685167993 06-23-2023, 02:14 PM
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#51
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CC when used properly is the way to go srs.

Perks of having credit cards:
-Great for fraud protection
-Travel perks (lounges, room upgrades, flight refunds, etc)
-points and free flights
-reservations at top tier restaurants srs
-builds credit
post 1685168913 06-23-2023, 02:28 PM
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#52
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Originally Posted By ScrillaIsBake⏩
I only use my debit card at my bank. It's risky using it for purchases. Rather someone swipe my CC rather than debit card. That way they're stealing the CC's money and not mine.
The consumer protections of using a debt card and a credit card are almost identical.

The biggest difference is what happens when something does happen and it takes 3 months to resolve.

With a DEBT card you are missing the money and you won't get it back until resolution takes place. For a Credit card it will just sit in limbo not letting you spend that part of the balance.


My Debit cards never really have over $500 of cash in those accounts. (Though I do still use CC for most sketch purchases.) For those that keep 20k in one bank account might be in trouble if it is cleared out and you don't have money for rent/mortgage.
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