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Speak for yourself. I throw debt bills in the garbage. Who,what, when and where can they make me pay it? Idfc about my credit score ? the system is a joke. Jake you’ve never paid a cent in interest? I’ve never paid a credit card at all, send it to collections.. not my fault y’all keep giving me lines of credit. It’s the system and they think they’ll get me? I just don’t care what you say I owe.
Always so informative. I love your channel
Nobody forces you to pay with credit card
False. Credit cards enslave irresponsible dumb people, credit cards don’t enslave poor people at all. It has nothing to do with wealth and everything to do with responsibility.
Use it for daily expenses and pay it off at the end of the month. Never spend more than you make and have it act as a sort of buffer so when a real expensive thing comes you can pay it off either your saved up money for ways to make money with the money you have left over and you can build up a credit score. Like many things in life it’s a double edge sword be careful and if you think you can’t handle it don’t get it.
I use credit cards for pretty much just online purchases (safer than giving them my debit card) but won't spend more than i have in my bank account, basically i won't spend $1,000 with my credit card if I've only got $750 in my bank account.
There are some exceptions though such as with unexpected payments or something i absolutely need but cannot afford, i would rather go into the negative with credit card debt than overdraw my account, with the credit card i at least get a month to pay it off before being charged rather than 1 day.
But yeah for alot of people credit cards are terrible, they see it as a piggy bank or an extension to their account balance, my cards got an $8,500 limit and some people are like "wow you can afford to go on a big trip to Europe or something". You can try to explain that yes i could certainly pay for a month trip overseas but i can't afford it, somehow these poeple don't understand it and get confused, in their mind I've got $8,500 just sitting there doing nothing.
money is debt… we are all economical slaves unless we earn enough money we get stuck in the system and accumulate more debt so in turn it requires more money… we are in a monetary based economy not the smarter recourse based economy… our society is greedy and rife with perversion and corruption… this is the harsh truth…
CREDIT CARD & UNION CREDIT CARD
I stopped using credit…and created a savings account…
It’s not hard at all to use a creci card responsibly. Most people are just insanely irresponsible.
Never had a creditcard untill a month ago, still haven't used it. Debit cards are so much better, if you don't have money then you can't pay, as simple as that. No need to go into debt.