A credit card should not be used for emergencies. It's a trap to stay in debt.

[Reggie]

I've had to learn this over the years. Got one credit card that i maxed out and i promised myself to never get another one and use unless ABSOLUTELY necessary and so far that is what i have done.

 

[TheNig]

It is.

It's nothing like having money when you need it and can pay it back.

I only have one credit card and I rarely use it outside of my monthly subscriptions.

Same I have two. One has Hulu on it and the other has Netflix.

 

[GreenGrass]

respect

 

[Software]

Can be a trap. But you can pimp the hell outta the right cards if you have the cash to pay for what you put on the credit cards.

Exclusively use credit cards for everything...get free flights, food, benefits, and cash back. I pay them off weekly or monthly.

Different strokes for different folks

Plus if someone steals your card info vs a debit card then its the banks money not your they playing with
There's levels to this shyt

 

[NatiboyB]

I know people mess with him but this dude clearly has a different idea about things. I would rather use my cards over my cash any day.

 

[Kurt off them percs]

I know people mess with him but this dude clearly has a different idea about things. I would rather use my cards over my cash any day.

Wealthy folks don't use cash. It's all credit along with cash back bonuses etc. Sister in law bought my whole family shyt from bestbuy just off her rewards.

 

[Truefan31]

Yup, learned my lesson back in 2013 when my debit info was compromised due to the Target data hack.
I had about $300 stolen from my account and my bank was giving me the run around to get me my money back.
After that situation I've been strictly credit cards for everyday use and paying them off immediately.

yup. If you have cc use them especially when you travel. The fraud protection makes it worth it.

 

[NatiboyB]

Wealthy folks don't use cash. It's all credit along with cash back bonuses etc. Sister in law bought my whole family shyt from bestbuy just off her rewards.

Exactly and you know another thing wealthy people do if they run into issues or funds run low and they can’t pay something back. They file bankruptcy. A lot of other people view that as a huge negative but these rich people have sometimes filed multiple bankruptcies either against their business or personal. Where as people barely making it frown upon it.

 

[AQz]

Credit cards are bad for most people.

 

[Kuwka_Atcha_Ratcha]

Never had a credit card in my life and never will

 

[Professor Emeritus]

Credit cards are a trap to keep people in debt but don't post Dave Ramsey's bytch ass in here, he's a money-obsessed a$$hole who hates poor and working-class people and doesn't think racism or oppression exists.

That said, I haven't owned a credit card in 10+ years and when I did own one I paid it off completely every month no exceptions.

 

[Money Be Green]

I got 2 credit cards. 1 of them I owe 4,600 the other I owe like 600. I need help brehs

 

[360dagod]

I got 2 credit cards. 1 of them I owe 4,600 the other I owe like 600. I need help brehs

Bruh you gotta clean up that 4600 asap

I dunno your financial/job situation, but you gotta delegate your money to that shyt quickly

 

[Money Be Green]

Bruh you gotta clean up that 4600 asap

I dunno your financial/job situation, but you gotta delegate your money to that shyt quickly

I had it going down until I bought a ps5, Series X, & a apple watch

 

[Kurt off them percs]

Exactly and you know another thing wealthy people do if they run into issues or funds run low and they can’t pay something back. They file bankruptcy. A lot of other people view that as a huge negative but these rich people have sometimes filed multiple bankruptcies either against their business or personal. Where as people barely making it frown upon it.

Be conditioned to frown upon free hand out brehs