No, just an IQ test in order to obtain one. Credit cards are pretty simple, use exactly like a debit card and only buy shit you could buy with a debit card. Pay it off in full so you get the rewards, protection from your money being stolen, and don’t pay interest. The vast majority of people (including myself at one point) are stupid and go oh I have a 3,000 limit I can buy all this shit and it’ll only cost 125 a month I can afford that and then they get trapped for years

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After robinhood got mixed with that scandal hell naw, I’m not putting a cent into a wallet that can get cracked. If I keep it in a bank I at least have recovery insurance

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