Anonymous #1 14w

no they’re not? only use what you actually have and you’re fine

4

Anonymous #1 14w

Also no credit isn’t good credit

4

Anonymous OP 14w

I have a 700+ score

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Anonymous #2 14w

If you only spend what you have then you should just use your debit card. There’s not actually any good reason to use a credit card.

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Anonymous #3 14w

Exactly my point. Only country that uses this bullshit system. Lmao

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Anonymous #1 14w

Sir, we are no where near the only country in the world that uses this system

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Anonymous #1 14w

Also a “good” credit score of 700 means nothing if you’ve never had a loan. That would be entirely dismissed in any situation

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Anonymous #3 14w

There are definitely good reasons to use a credit card. Subtract expected yearly inflation from apr and then add together the cards benefits. Often times you can actually save money on purchases using a card. The banks benefit because they receive the interest payment and third party companies benefit from an annuity. You benefit by spending less on purchases than you would otherwise

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Anonymous OP 14w

Actually, I didn’t think about this. It doesn’t work everyone, but there are ways to MAKE money using a credit card. I’m not econ or finance savvy but ik there’s a way

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Anonymous #1 14w

My mom is an executive financial advisor and she’ll open cards for me whenever we travel just to get me airline points

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Anonymous OP 14w

W mom

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Anonymous #3 14w

The benefits of a credit card can be really good, and the consumer protections are better on credit cards than debit cards

3