the thread about nothing...

[Present]

People with the spend-money-to-save-money mentality kill me. "Im going to buy a cheap car to save on gas". You just spent the money you saved on gas on the car.

Facts!

Running up credit cards for the 2% cash back when they charging 25% in interest...

 

[Beruseruku Desu]

i don’t know one t pain song where he needs to dance like a ballerina

 

[moonman818]

Facts!

Running up credit cards for the 2% cash back when they charging 25% in interest...

If you got 2% for spending money that you're gonna spend anyway, how is that not smart?

I put everything on on my Amex or Sapphire

 

[mplsdunk]

I put everything on a card but I pay it off. I just use it like cash and get miles.

 

[Present]

If you got 2% for spending money that you're gonna spend anyway, how is that not smart?

I put everything on on my Amex or Sapphire

"Running up" ≠ paying off

Carrying a balance defeats the whole purpose and, according to the latest statistics, Americans are doing the running-up part...the paying-off part, not so much.

"Credit card balances rose by $50 billion to hit a record $1.13 trillion. Inflation and higher interest rates are contributing to rising credit card debt, resulting in more Americans struggling to pay down their credit card balances, according to Bankrate's senior industry analyst Ted Rossman."

Americans owe a record $1.1 trillion in credit card debt, straining budgets

Credit card debt hit a record $1.13 trillion at the end of 2023, while delinquencies have surged more than 50% from a year ago.

www.cbsnews.com

 

[6 Rings G.O.A.T.]

 

[tr1ll]

I put everything on a card but I pay it off. I just use it like cash and get miles.

20% usage is the magic number. Paying it off immediately is cool, you’re not getting any negative marks, but you’re not getting the “credit” for it, if you will. I talk to boomers all the time, “Oh my credit is perfect. I pay my card off every month..”. I pull it and its 695. That’s not bad, but its not that perfect they were bragging about. Having trouble breaking 700 and higher? Play the usage game. Really anything over 720 is just icing on the cake.

 

[DB Cooper]

That dude that was just standing there. Like bruh, step back man!

 

[tr1ll]

Zuck is the devil..

 

[HNL HI]

lets see your likes

 

[6 Rings G.O.A.T.]

 

[mplsdunk]

20% usage is the magic number. Paying it off immediately is cool, you’re not getting any negative marks, but you’re not getting the “credit” for it, if you will. I talk to boomers all the time, “Oh my credit is perfect. I pay my card off every month..”. I pull it and its 695. That’s not bad, but its not that perfect they were bragging about. Having trouble breaking 700 and higher? Play the usage game. Really anything over 720 is just icing on the cake.

Sometimes I do a payment plan if I buy something that’s like 1k+ for 3 months (costs like 5-10 bucks) but usually I just pay everything off.

I have a lot of good history though on all forms of credit.

 

[kickvicisous]

Not going to lie, I fully expected to a see an ******** link in the bio.

 

[MakeNTGreatAgain]

Sometimes I do a payment plan if I buy something that’s like 1k+ for 3 months (costs like 5-10 bucks) but usually I just pay everything off.

I have a lot of good history though on all forms of credit.

goals myslime

 

[kdawg]

Wordle 963 2/6

 

[6 Rings G.O.A.T.]

 

[MakeNTGreatAgain]

i been inna down mood. need a pickmeup i think i need pizza

 

[DripNick]

All.
Night.
Long.

 

[tr1ll]

lets see your likes

Is there away to do that? My tl is nothing but jokes, cars, sports, fashion(hypebeast) and music. I do have a homeboy that sends my 5 or 6 IG girls a day but he been on mute for some years now.

 

[TURBO UNO]

I swear every insurance ads are annoying. They all have their stupid jingles, slogans, and mascots. But I do like Mayhem tho- the Allstate guy.

“For injuries call Jacob and Ronnnnie”

Come to find out it actually says Jacob Emrani

 

[had pants]

 

[DCAllAfrican]

 

[darthska]

Wordle 963 2/6

*stands*
*applauds*

Wordle 963 5/6

 

[c flyness]

 

[DripNick]