Why are millennials not building credit?

Jews made it too difficult so they gave up

Why do you make the same threads every day? Get banned.

>>129898490
Because millennials live with daddy and mommy and don't need credit.

What is building credit?

>>129898490
tell me that's not a dude...

Most were never actually taught how to. They just went through school and left the house without any knowledge on financing

Because we are the master race and be the first to have basic income get fucked boomers

>>129898490
Because we're at the end of the biggest expansion of credit and the most inflated positive social mood in human history.

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>>129898490
>building credit?
YES YES

>>129898490
(((credit)))

How will they create more money out of thin air??

Because we aren't falling for the credit meme which only leads to lifelong debt. Payed off my student loan and canceled my creditcard. Never looked back. I pay in cash.

I am. I just leased a 2016 Kia!

Millennials seem retarded. I don't know why. Gen z's seem to be in control and know what's good. Was our education system just awful from 1990-2002? What went wrong

>>129898714
getting massively indebted and proving you can pay it back + interest
e.g. one credit card, pay by end of month, renting instead of buying = low credit score
4 credit cards, paying a min amount each month, mortgage with no or minimal late payments = high credit score

>>129898490
Because millennials don't want to work for anything. They are too busy destroying white people and placing imaginary blame on Trump.

>>129898490
Karl Marx didn't have no credit

>>129898490
shit, that looks delicous

>>129898714
Well if you're a good goy and pay back those loans with interest on time they'll let you borrow more money so you can pay back more money with more interest.

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>>129898490

because I have crippling depression and failed out of college

>>129899363
> crippling depression
is there an enabling one?

>>129899070
>>129899331
Gotta look good for those creditors tho

Avoid debt at all costs.

>>129898490
I am, both libtards and awkward alt right dudes in my uni are majoring in shit tier majors hahaha

I genuinely believe that college is a terrible decision unless you're going to an Ivy or majoring in STEM (high gpa to get a job asap of course)

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>>129898490

>>129899495
people I know with 800+ credit score are people that have spent sleepless nights wondering if they'd be able to repay
some haven't yet
if you are intelligent enough, you consolidate all debts into one account, and enter crunch-paying mode for a couple years
if you have dependants, or shit job, or are a moron that can't stop spending, you're done

>>129899070
>e.g. one credit card, pay by end of month, renting instead of buying = low credit score
>4 credit cards, paying a min amount each month, mortgage with no or minimal late payments = high credit score

The part about credit cards is not correct. I have 2 cards and have never carried a balance for over 10 years, and I have no other loans, and my score is 832. According to the report, the only reason it is not perfect is because I don't have a loan, or something like that.

But paying interest to the card company has nothing to do with my score.

>>129898490
>credit
for the Home Owner meme?

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>>129898714
proving how much more you are willing to pay for an item than its worth. For example if you want to buy a house you can pay for one, or you can pay 5 times the amount for the same house. If you do the latter you'll have good credit and be a good goy

>>129899831
Shouldn't you be working to pay that $950 rent instead of shitposting?

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Why do millennials do this?

>>129898805
School literally teaches indebting yourself.
So, you're wrong.

>>129898490
I just got a shitty credit card that charges me a monthly fee

happy now jews?

>>129898490
Too busy defaulting on student debt

>>129899895
>homeshitter talking down to renters
enjoy your risk investment

i have no debts, ex / no wife and grown up daughter, and outdoor leadership trained. when the shit hits the fan i can bug out for a while without a job, income, and return whe things have blown over. did this in 2009 for 12 months. think some ppl are doing the right thing, millenials or not.

>>129899489
theres normal depression, where you can function like normal

>>129899825
> 10 years
this is why
and here's a secret: you can get 800+ with one credit card too, if you wait longer, and/or spend more a month

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>>129898490
Get fucked
>>129899761
Get on my level

>>129898490
>credit
hahah continue being a slave to banks and individuals. I pay my shit in full. I dont even have an ounce of credit associated with me. Ive paid for my phone in full, i paid for my car in full, and i will pay my house in full. any amount of debt is pure evil..

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>>129898490
Too busy eating massive bbq pizzas and fucking ladybois

>>129898490
Because our countries were invaded by millions of adult immigrants that are very difficult for us to compete with?

>have generation of children reaching adulthood
>import millions if immigrants who are already adults with families
>the children get btfo because the foreign adults have a better work ethic
>they have a better work ethic because they're Fucking adults with families to feed
>20 year old kids get told they're lazy and stupid because they can't compete with an adult who had a family

Thanks for all that btw!

>>129898586
wtf is going on with the flags

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>>129898490

>>129899825
>But paying interest to the card company has nothing to do with my score.
it's not the fact interest is paid
it's the fact you're able to repay a minimum amount a month, every month

>>129900229
flag day faggot

>>129899070
What is the frequency in obtaining credit cards? 6 months? a year? I just applied for one which is through my bank and some of the benefits appealed to me. What are some things I should look for in a card?

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Yeah build credit....don't buy any btc.

>>129898490
You used the exact same picture for the exact same type of thread you posted yesterday.

Kindly fuck off or at least use a different pic.

Too busy in debt with uni and taking acting lessons on playing the professional victim despite having enough disposable income for the latest Apple or Microsoft product.

>>129898490
>oy vey, you don't want to have a low credit score, you'll be a loser!
top goy

>>129898490
we're all invested in bitcoin and have no debts to pay off

>>129898490
Because millenials are on the internet and we googled stuff after the 2008 "credit crunch".

Alo the west is debt saturated now. Thats why they are letting in all the immigrants - to get them into debt. No one has to pay it back. The debt needs to just keep extending until the currency is wothless.

Buy silver and a tent

>>129900077
>risk investment
Owning property is better than not owning property, especially when that cost is lower. And, in that time, you can recoup that cost, or if the value goes up, profit from that cost. WIth renting, you can just leave anytime, but you need to wait 2 weeks to get back that deposit.

>>129898586
>get an auto loan on decent used vehicle

>make payments on time

Oh look my credit went up

>get credit card

>use it only for gas

>pay bill on time

Oh look, my credit went up

>>129900479
>Buy ammo and a tent
ftfy

>>129899941
>I just got a shitty credit card that charges me a monthly fee

If that's all you can qualify for, just pay it off every month and never ever be late by even one day, and in no time at all (1 year?) you will qualify for a white adult's card with no payment at all, annual or whatever.

>>129900109
>> 10 years
>this is why

You could be correct, but if they penalized for not carrying a balance I'd expect it to hurt my score at least a bit.

Think about what you are saying: paying it off in full shows that you have a good steady income and that you are disciplined, which is what they want when you take out that huge loan for a car or a house. Carrying a balance proves nothing positive. And the rating companies are not in bed with the card companies, so I think you are wrong.

Post a link explaining why carrying a balance looks good to anyone other than the card company.

>>129900280
>it's the fact you're able to repay a minimum amount a month, every month

That is in no way better than running all your gas and groceries on it month after month and paying it all off. There is no logic to your argument.

fags

>>129898718
lookes like https://twitter.com/Soembie

Why build credit? So you can get some potential free hotel rooms and some airline points?

Avoid credit cards completely. Good credit is only useful for aquring debt, which is what the establishment wants you to do.

>>129899037
Lmfao how's living in mom's basement you stupid fucking liar? You can't buy a house with cash unless you're a drug trafficker.

I plan not to take any credits in my life. Fuck debt

Capitalism requires capital. It is extremely important to be able to borrow money in life

>>129900582
>WIth renting, you can just leave anytime, but you need to wait 2 weeks to get back that deposit.
lel just like i thought house shitter it's all in the contact

>>129900307
dude, this is like asking advice for pussie
everyone has different tastes, different needs

if you travel, get an amex or chase (the 400+ fee ones), and you can use points everywhere, and lounges at the airports
if not, get a generic cash back

AND NEVER, EVER, FAIL TO PAY THE BALANCE
you'll enter the wonderful world of +18% APRs

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>>129900229
ARRRRRRR! Ye be late to the party lad, Yarrrrrrrr

>>129899770
Haha chronic debtors. My score is above 800 and I have very little credit card debt-like less than 50$ a year worth and it comes in handy to have it.

>>129898490
>(((building credit)))
I don't think so. Credit rating agencies are all owned by Jews and have more personal information collected about individuals than even the government. Every time you've ever given out your SSN, they are aware.
Get rid of the SSN and ((credit))) won't be based on some stupid score.

>>129900776

Correct, but in freedom land your credit rating can hurt when you rent an apartment, or other normal activities.

If you are disciplined and pay it off every month, you can earn various perks for free. Just don't screw up on that discipline part.

>>129900776
>>129900828
see >>129900818
No credit no real estate

>>129900597
This

>>129899060
The education was awful, but that's not the whole of it. I think millennials' entitlement and educational deficiencies stem from them being told and shown by boomers that "all you need to do is get a 4 year degree, so you get a good paying job, and you're set for life financially" repeatedly by parents, teachers, and guidance counselors. I believe the successes of younger generations comes from millennials' guinea-pig status, and they would not be as well-educated about how things work in the real world if it were not for millennials.
The millennials are looked at as entitled and stuff because of the same delusions they were taught and fed during their k-12 education years as well. Some still haven't woken up from the delusions, and identified themselves as the quinea-pig generation yet.
t. Millennial who graduated HS in '09

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>>129900891
I don't travel, so I'll just get the cash back.

>AND NEVER, EVER, FAIL TO PAY THE BALANCE
I'll just treat it like my debit card that I've been using for 15 years. Easy peasy.

>>129900599
Im British soooooo........
I'll get some nice rocks for my Dennis the Menace catapult and a sharpening stone for my lethal butterknife

>>129898490
If everyone had high credit, than it would be meaningless. Essentially, you can't have "winners" in the capitalist game without "losers". Also, credit is a bankers trick to keep the masses enslaved. Fuck with it as much as you can.

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REPORT & HIDE
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>>129901006
>Get rid of the SSN and ((credit))) won't be based on some stupid score.

In the usa you can't get by without a SSN and it's retarded to ruin your credit score.

How old are you?

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>>129898718
sorry to disappoint

>>129899941
Do you not have a bank account retard? Most banks offer their own credit card services and don't charge maintenance fees.

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>>129900176
>Irrelevant comment
When are people like this idiot going to be banned? This is worse than a leaf post. This is worse than bait. This is nothing, it contributes nothing.

There is no point. Only plebbitors even mention "traps" or ladyboys'.

DEUS VULT

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>>129898490
>build credit
>put yourself if debt, goy

Is there anything worse than telling young people to put themselves in debt because they have to build Good Goy Points?

>>129901188
kek make a spear, go buy some spare lawn mower blades, they can easily be made into machetes in a pinch

>>129898490
>building credit?
If you (((build credit))) here, you are not given house loans. Someone who constantly lives beyond their means isn't trustworthy.

>>129901155
*guinea

>>129901040
>No credit no real estate
Unless your born into land that your family owns, your already fucked. Buying some small square plot of land with a box on it isn't worth the trouble. Just another accessory to fit in to the normalized ideal.

>>129901210
>If everyone had high credit, than it would be meaningless

Cute catchphrase. Did you just make it up? Because it has no meaning. If everyone paid their bills on time then the rest of us would not be paying extra to cover for the deadbeats.

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>>129900870
Debt is not capital. Its the exact opposite you dumbfuck

>>129900776
In the US, your ability to do get some jobs, obtain a car or home, or get a loan depend on you having credit. Do you know why? Because no one wants to render finance based services to a retard who can't properly manage their own money, especially in the case of a loan because the credit union or bank has to eat that

Because they were raised by a generation that bought into the credit cards

>>129901574
Credit isn't debt retard

>>129901270
>I said the, not your SSN
>meant SSNs in a general sense

You can't get rid of your SSN or stop using it. I meant, only if we collectively abolish mandatory SSNs, can we be free. At the very least, a law that would entirely prohibit their use as a personal identifier would accomplish the same thing.

>>129901155

This mixed in with Disney shit and Harry Potter tier crap about how everyone is chosen and special and should be rich no matter what really ruined society.

>>129898490

My dick is still confused about that girl

>>129898490
Because that's hard

>>129901155
>he went to public school
There's lel and then there's top lel.

>>129900647
> there is no logic
the fact you can't conceive it doesn't mean it's illogical
banks and credit card companies want to make money
if you incurr in late payments, you start paying +18%APR
they can borrow way, way cheaper than you
so they're making massive profit
but they don't want to completely ruin you, because then you don't pay at all
(if you get there, they package debts and sell them to collection companies, which will harass you until you pay. some do when pressured)
so the system is tuned so you have some amount of payable debt, golden if accruing interest

>>129901730
This thread got like 100 replies in 15 minutes because she was posted. She fills me with rage every time I see her now.

>>129901672

sorry about my poor reading skills. but in the real world, you need an identity. it just works that way. even gangsters need trust amongst themselves.

>>129898490
One would have to be an enormous retard to think "building credit" is a good thing.

Sorry if i offended you, every american who ever existed

>>129901660
>this is what burgers actually believe

>>129901155
It's also because there has been a shift in the past 10 or so years. Getting a 4 year degree was enough prior to this shift, because there just wasn't enough people doing this. But now? Too many people are doing this because this generation is massive. This will only get worse with each successive generation: more people, less available work, more unemployed, more fucked up shit. Our society as depended on jobs for the people; and nothing is being done to solve the problem of more people and less jobs. The only potential solutions on the horizon are war or disease to bring the population down and destroy infrastructure (to be rebuilt, ie jobs).

>>129901795
Why don't you go visit a private school only forum where you can practice your secret handshakes in peace?

>>129901774
>Get bank account
>obtain credit card
>Put small limit on said card so you don't overspend
>use said card for only minor purchases
>Pay bill on time and in full
>Credit goes up

I have a 91% credit rating simply because I used my credit card to buy gas and the occasional trip to Qdoba

>>129901660
I'm afraid you are the retard here. Credit is money that you have been sold at a higher price than it's worth. Credit is the agreement to "pay it back". Credit is absolutely debt.

>>129900597
I do this and my credit is great
I just wanted to make the obligatory Jews post, which has a lot of truth to it

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>>129901660
Credit is debt. A credit card doesn't have YOUR money on it does it? You BORROW on the card paying it back later. The currency you borrow is NEW currency that didn't exist before.

On a balance sheet Credit and debt would appear on the same side - liabilities.

>>129901604
I recommend you to watch Dave Ramsey to perhaps get a different perspective. He has many videos explaining why you don't need debt to survive in america.

Because I work in a shitty job that bearly pays me enough to survive on... You can't build credit when you have no money.

>>129898490
Credit is a jewish invention.

>>129901833

you did not refute my primary point: the credit rating companies are not in bed with the assholes who want you to pay endless interest fees. they only care about having valid ratings so that their data has value.

so, of course VISA wants you to send them free money every month, but the rating companies don't care about that.

as I said, find one good link that says carrying a balance helps your score. missing payments is what kills your score.

Because there's a massive credit bubble.

>>129901531
>If everyone paid their bills on time
Bills have nothing to do with other people. They are personal. "Credit" is a scheme that requires the masses to work. If enough people choose to not buy into it, it fails.

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>>129899060
>gen z seems to be in control and know whats good

>>129898490
Every single day you post the same goddamn thread

>>129898714
Getting good goy points

>>129898490
Because debt is bad.
And it's called a "debt score" not a "credit score". It's a measure of how good you are at having debt.
>>129898714
Taking on debt so you can take on more debt. Don't you want to be able to have lots if debt?

>>129898490
>Why are young people not improving their debt score.

Because they hate Jews. Funny thing about Antifa, many of their members call for the death of bankers, jewish bankers.

>>129901968
You don't have to have debt to build credit. Simply paying a bill on time can build credit. Only a fucking idiot thinks they have to sign their life away to build their credit up

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>>129901386
Irrelevant shitpost in an irrelevant slidetread. Go cry to someone who gives a fuck

>>129898490
Same reason I will sage and hide your post...again - you're a faggot.

I have great credit

>>129898490
Id lick her butthole

>>129900597
>needing loans
>buying things you can't afford off hand
Good goyim

>>129899917
Fuck is this shit?

>>129902061
ty. lots of genuine info in this thread.

don't want to stray too far from the norm tho...EXTERMINATE THE APES!

>>129898490
>Why are millennials not building credit?
How they don't? They have juicy student debt.

I'm a milennial with good credit and I have no idea how that happened

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Because I apparently don't exist

>>129898490
Ursury is sinful and detrimental to society.

>>129898586
Also that.

>>129902155
Debt is financial state. I'm not in debt because I used credit, I'm only in debt if I don't pay that credit back and shirk on the loan. Then I'm in debt

>>129902176
I'm not a retard, I don't spend money I don't have so such bullshit is pointless to me, especially when I already have good credit

>>129901852

Does she have a dick? Thats what concerns me.

I dont even know what this thread is about

>>129898490
School's don't teach that It's important.

>>129902222
This. Gen Z is barely out of high school.

i took out a loan for a $5000 newfoundland puppy to build credit and to have a companion who enjoyed swimming but he ended up getting repossessed when i lost my job at the arm and hammer plant

>>129901859
Yes, identity and copies of your identity are explicitly only supposed to be used and directed with the recipients express consent and if a company is engaged in it, you could seek restitution. SSN is meaningless and is gladly sold or given to credit agencies without any concern. In leiu of the SSN, "credit" would be very hard to pin down and lenders would have to revert to older assessments, eg, collateral or income based approaches. Moreover, employers would again hire based on skill and aptitude of the candidate rather than taking into consideration a meaningless credit score that shows nothing other than he/she has been screwed over by the current banking system at one time or another.

>>129898490
Jews trying to learn to jew better.

>>129900597

Yes, prove you're a good goy by taking those consumer loans for things that immediately lose most their value after you buy them.

I implore you to read Wealth Of Nations or at least the comic book version which you can find here https://freedom-school.com/money/how-an-economy-grows.pdf

>>129899057
>kia

Cuck.

>not driving a diesel 4x4 truck that can go anywhere

>>129898490

is that cake covered in tobacco

>>129902634
It's not bullshit.

>>129902755

keked

>a small number of massive banks rule the world
>not just banks in the classical sense anymore, but also traders, invested in everything from Oil to Gold to housing to food
>they depend on the masses to continue playing this debt/credit game; it gives them power over you
>it is so engrained in our society now that a person with bad credit can't even find a place to rent
>people unironically defend this system

I can't wait for the Banks to collapse. Though, more than likely they'd have a fallback system to catch the desperate. Some new form of slavery.

>>129901604

>the bank has to eat that

HahahahahahahahahahAHAHAHAHAHAHAHAHA right then why were they bailed out for doing retarded shit in the first place?

>>129898714
It's getting in debt so you can get more in debt.

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>>129898490
>be boomer
>"Son/daughter, it's very important that you build credit."
>"Watch me and I'll show you how it's done."
>gets several credit cards with 20%+ interest rates
>buys several big screen televisions, new cars, pet toys, make-up, dvds, and scratch-off tickets all on credit
>entire adult life is dedicated to paying off credit card bills
>can barely manage the interest payments, never mind paying off the principle
>can't retire because social security and pension checks can't keep up with credit card bills
>"woow why aren't millennials building their credit?"

>>129902253
>want to buy home
>Going to need a mortgage because fuck knows you're not going to have 200k sitting around
>Go to bank for financing
>Since I have good credit, the bank is willing to offer a larger loan with little interest because I have a good history of paying what I owe

You even need decent credit just to fucking rent these days so if you don't mind driving shitty cars and living in shitty places then by all means, never establish credit

>>129902648
no, but she have a gross tattoo

>>129902261
Only a fucking idiot doesn't recognize that debt is money to be paid at a later date. In order to build credit, you must borrow money. That is debt. If you're not building debt and investing in the associated risks, you're not building credit. And if the only risks you're investing in are the occasional coke at 7/11, you're not building credit at any worthwhile rate.

>>129901907
Putting the poor in europoor

>>129902811
>a diesel 4x4 truck that can go anywhere
>calling others a "Cuck" when the most you know about auto-mechanics is a couple buzzwords

Not hard to determine who hails from the world superpower USA and who does not.

>>129901795
The majority of my fellow countrymen received their k-12 educations in public schools. There's no way around that; it's a fact. Until homeschooling or private schools with super good educations become more popular, huge unaddressed deficiencies will remain in the education system.
I was trying to answer fellow anon's question. Do you have anything useful to add to my synopsis?
>>129901708
I agree. This, or a very similar problem, also leads women specifically to have big delusions about themselves and their worth.
At least, it contributes to why people aren't settling down at younger ages. The other half of that issue has to do with finances and housing expenses, which sadly, will probably not change for the better.

>>129902977
Not all loans are housing loans you fucking idiot. Just like not all taxes are income tax

>>129902596
>Ursury is sinful and detrimental to society.
Only if done on other Jews. Goys are free game.

When I was a student (2006-2010) I had a credit card and I paid it off pretty consistently. 2010 I graduated, no job around, and found myself in the hole for 850 euro and no way to pay it. Ended up moving back home, lucky to get a minimum wage job one day a week. After gas, etc, I could basically only afford to pay the interest, and in the end it cost me about 200 euro extra. Paid it off within about 2 years by shaving the income as tightly as possible. Never got credit again. Cheap lesson desu. Fuck banks.

I might have to get a mortgage at some point in the future, because although it still profits the Bankers, it's still better and more secure than renting. Credit score will be whatever credit score will be, but I'm not going to suck banker dick to get myself there.

>>129898490
Why would I need to buy credit?

I can get €400,000 mortgage with 10% cash down and 4.3% fixed interest (or 2% variable) and I've only been working for 13 months

>>129898490
(((credit)))
at least our banks say fuck jews

>>129902999
>scratch-off tickets all on credit

>tfw live in state that doesnt allow lotto purchases on credit cards

It's a terrible feel

>>129900156

>0% credit card utilisation

Can you get a good credit score by never being late on your credit card payments because you don't actually use your credit card and thus never have any payments?

>>129901392
to be fair you don't have to put yourself in debt to build credit. all you have to do is put your normal purchases on there an pay in full each month.

>>129903068
>Denmark
>World's highest standard of living
>Happiest nation on Earth
>Poor

kek, your country has 6 times as many people living below the poverty line than the total population of his entire country.

>>129903068
your point?

>not being in debt
>poor?

>>129903182

There's consumer loans and production loans. Consumer loans require credit, production loans require an excellent business plan.

There's absolutely no reason why someone with good credit on small loans would be able to pay off a big production loan for a risky venture.

>>129898586
>first post worst post
Building credit is so simple anyone who doesn't have low IQ can do it.

>>129903021

Damn, something is always wrong then. Meant the tattoo, not the dick. Traps are gay

>>129903629
>Traps are gay
>implying

>>129900597
>loan
>on a used vehicle
>ever
>when you can just buy a used vehicle within your budget instead

spot the jew.

>>get credit card

>>use it only for gas

>>pay bill on time

why should I need to use credit if I dont need it? that's the real issue.

if nothing else, millennials are overly redpilled on how fucking stupid and jewish credit is, because they saw their parents fucked over by living above their means in the 2008 crash. So they just dont buy above their means.

the problem is, the jew economy just isnt made to support you buying things within your means.

you literally can not buy a car with cash. You HAVE to make a payment plan, that is meant for people taking out a loan.

this is not how credit was meant to be used.

credit is useful for when you have no cash on you and need to buy something. AKA an emergency, not for daily use because you are too lazy to go to an ATM

>>129899060
Female teachers that's what went wrong.

>>129899060
Do you have even a shred of evidence for any of the assertions you just made? It's all pop-/pol/ stuff. We're the loser manchildren, not millennials as a whole. The reality is millennials are like any other generation, they save money, have kids, etc.

/pol/tards like to pretend they represent all millennials so they have an excuse to never leave their basements. Most millennials I know are gainfully employed.

>when your own government can't pay off it's debt

The whole system is fucking broke. More money is created each day, creating more debt, which needs to be paid back at interest, which requires more money to be made...

Tell me why the fuck should anyone buy into this broken system? It all needs to be burned down as soon as possible. The longer we stay on this cancer, the worse it will to remove it.

>>129903148
I'm a collision repair technician, actually.

But im not gonna measure dicks with you.

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>>129900156
>>129899761
>under 800
Git gud scrubs

>>129898490
Da fuck I have perfect credit score of 850 and have for a while...
All you need is two cars, two houses, two incomes, a stable long term marriage and a couple of masters degrees with a good paying job...
I am trying to decide what color my new iPad Pro 12.9" will be... rose gold, silver or black?

>>129903280
Banks aren't the only places that give credit

>>129903344

Possibly, and maybe not. Just put your gas or groceries or restaurant on there, and always pay it off. The inconvenience of paying once a month (or signing up for auto pay once) is small compared to not having to screw around with cash and change.

My idiot boss pays me in cash, and sometimes hands me a few large bills along with a pile of ones and some coins. I give the coins back. Eventually I'll be telling him to stuff the singles up his ass as well, once inflation makes them worthless.

>>129903187
I'm Catholic. I dont want credit, its used to control the masses

Millennial here. What is the least jewy credit card to have?

>>129903464
>Standard of living determined by the (((UN)))
>Less buying power
>Higher taxes on simple amenities like toilet paper
>Even if you're making $15 doing pleb shit, you only see roughly a quarter of it

Because millennials are evidently not beholden to the jews just enough to realize credit is a fucking scam. You should take notes.

>>129903989

Just get a debit card that can't go into negative numbers. The best plan is to forget using banks altogether, since you give them your money and now it's their money and they have a debt to you.

Bank goes under, their money is gone and you can't collect on anything except for your property from safety deposit boxes.

>>129903989

No annual fee, no fee of any type if you always pay it off. If you don't qualify for that, get what you can get, and check back every 6 months with them and other card issuers. In no time at all you will have a card that pays you points and costs you zero, and is way more convenient that messing with cash and coins.

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>>129903464
>Happiest nation on Earth

>>129904215
>Bank goes under, their money is gone and you can't collect on anything except for your property from safety deposit boxes.

In the USA you can have something like 40 thousand in an account at a normal bank and if the bank fails you don't lose anything.

>>129902061
only way to use credit

>>129900109
Youre just wrong man. I went from no credit to 800+ fico in less than a year. Two credit cards, no other loans of any kind and I pay in full every month, usually before the statement closes so my balance reports as 0 most months. I've heard a lot of people say what you do and I have no idea why, its bad advice.

>>129903989
>Millennial here. What is the least jewy credit card to have?
Boomer here... credit card based on mortgage rate 3.25%... perfect credit rating is AWESOME... get offers for 60000 miles if I will consider their card... never do

>>129898490
I only come here for the Zoe pics. Thanks for the bait my dude.

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>>129902634
You are in debt as long as you borrow on the card. Ok - when you pay the balance of you are no longer "in debt" BUUUTTTTT.... when you create new credit (out of nothing) by borrowing on the card, you devalue the currency, because you are creating new currency. So this put the nation in debt. You can pay off your card each month but the new credit you created remains in circulation. The more currency in circulation the less purchasing power it has. Its not jusy you of course - everyone does it including government, but its still a problem.

>>129898490
https://www.youtube.com/watch?v=tGk5ioEXlIM
Building credit
>kys

>>129900158
You can also pay your credit card in full you stupid motherfucker. It's really telling how so many people associate credit with having tones of debt. Says a lot about your self control.

>>129904355
Yeah I'm sorry about that Irecuck. We euros don't actually believe the bullshit that "scandinavia has the highest standard of living"

>>129903989
Citi double cash back is the best card right now. You get 1% cash back when you make the purchase and another 1% when you make the payment. I use it for all my business expenses and get a few hundred back every month.

The key to any credit card is to pay it off every month.

>>129902952
Banks will collapse whenever their masters decide to, it's a big global meme system that everyone falls in to become a controlled sheep, easily to manipulate and enslave. Like you said - in other possibly scenario when banks collapse, there will be a new system, replacing the old one and the normies will actually believe it is a lot better and safe version of it, although in the core of its depthness it will be no less different than the previous "manipulating bubble".

>>129903729
Because I don't want to buy a car I immediately have to put back into the fucking shop you idiot. Decent used cars still cost good money and I like to get warranties when I buy a car so I don't have pay mechanics absurd prices to fix simple shit. And my loan was through a credit union, not a bank.

You don't need it, sure, but there lots of thing you're going to be barred from because you don't have a history of paying back what you owe. Also, my credit card is through my bank so I pay fucking nothing for having it which means there's no reason to not have it. I buy mundane shit with it to raise my credit score, I don't have to do it but I choose to because I already have the money, I might as well make it benefit me when I use it.

You people are stupid, and ignorant, and want to blame people for your own lack of self control or stupidity. Responsible people can handle credit just fine, it's the idiots who have a problem with it because they tend to rack up fucking bills buying shit they bought on impulse on Amazon

>>129904355
who need pills when you have alchohol

>>129898490
Cause credit is a fucking dumb way to get into debt, especially when you already have no money.

>>129904362

Paid for by tax money, no doubt.

>>129904672
>Boomer on 4chan

How? How much is your ponzi sch-... umm. Social security payment?

>>129898490
How do you do that? I applied for a Target "credit card" which I was told was the easy way to start, because stores want to give that shit to you. They turned me down for lack of Credit history.

I feel like there was a missed step somewhere.

>>129905125
Get married... stay married... buy houses when you can.. pay debts... Roth IRA is your lover, pay her often till it hurts

Americans with credit cards is such a retarded phenomenon. In my country nobody worries about credit score, how much you can borrow is simply based on what you earn, your capital, collateral, etcetera. And very few people use credit cards in the first place. You have a job, which gives you money each month, which you can use to buy stuff. Why make it more complicated, risky and expensive?

>>129899917
ED from all the porn so they have to finish themselves off after sex

>>129905233
>turned me down
Dodged a bullet there, mate

>>129905386
And be charitable.

>>129899060
>Gen z's seem to be in control
they are barely 18 you fucking moron

>>129902818

SOCIALISTS STABBING SOCIALISTS

>>129898490
Usury is forbidden both in the Bible and it's barbarian successor, the Quran.

Even a tribe of sand niggers known usury is destructive and onlynbenefits (((them))).

>>129905400
It's not that complicated but I of course agree.

In norway credit cards are about half as normal as in the US.

>>129904962
Citi double cash is good, but my Amex blue cash everyday is 3% back on groceries, 2% on gas and 1% everything else. Depending on your spending habits it's definitely worth looking into. Discovers cash card seem pretty decent too.

>>129905519
Yeah man - theres no denying it - muslims are actually right on the money regarding usary.

Pun intended

>>129905400
>complicated
If you pay it off every month you are getting a free loan, and idk about europe, but in the US the cards pay you to use them. Why wouldnt you?

>>129904355
Wow I'm surprised that canada or the US in on there.

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>Get a loan to go through Uni
>Get a job
>Get some credit cards to buy stuff with
>Get a mobile phone on a contract
>Signup for contracts with your ISP, water/gas, electricity and so forth
>Get a loan to buy a house
>Have kids and then remortgage your house to put them through college/uni
>Do all this while paying for your own parents retirement and your retirement
>Because when your parents were your age after they had kids they were able to take out their super/retirement early and use it to buy a house so now they dont have any money for retirement so you will have to pay their pension while paying for your own future retirement

pretty much your whole life is a finance. you forever paying for something and forever paying for someone else.

>>129905400
Your credit score doesn't necessarily prevent you from borrowing, it determines how much interest you have to pay. There are plenty of plenty of places in America that take a person with bad credit, they just fuck you with interest

>>129905400
You need good credit to get a job here.

>>129905519
actually the Jews are allowed to charge the goys but not each other in the old testament.

>>129905712
I could never get into those cards that give back more on revolving categories. It's just a bit much to keep up with. I might get one just for gas if I can find a card that gets me 4-5% back on gas.

Chase has a Freedom Unlimited and Freedom card give you $150 back on each after you spend $500 on each card. They also give you $100 for each referall, so if you have spouse you can make an easy $800 between the two of you.

>>129899770
Chronic Spender here: over 800 credit score with over 300k available credit. (not including my house or car loans) I bought a car last week on my one mastercard.

Its ok Im prolly gonna anhero soon anyways.

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>>129906157

wait... is she bragging...

>>129905400
credit score also isn't simply established with credit cards, they're just a way you can improve your score. A credit score is a score that shows how well you handle debt, anything that involves debt can build your credit score. A credit card is just the easiest way.

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>>129899917
Who does this shit?

wait you get more trustworthy by going more indebt? lmao@USA once again.

>>129898490
>Why are millennials not padding the pockets of kikes by spending money they don't have?
I don't own a credit card and I'm not in debt; if you can afford what you need then credit is pointless. If I need credit THAT bad I'll just get a card with a $1500 limit and buy a TV or some shit.

>amerilards having a dick contest of who pays more money to their kike overlords
top
fucking
kek

>>129905982
>in the US the cards pay you to use them
Which of course is actually paid for by the retailers, thus making everything slightly more expensive for everyone. It's a sham.
Also
>If you pay it off every month
Of course this is true, but the average credit card debt is like 2k per person.

>>129906210
No, you need good credit to get a GOOD job here. When I went through my police department application, you had to have a credit history and divulge all credit information and outstanding debts. Places that potentially let you handle money aren't going to take someone who's shit with managing money

>>129906292
Nice, I'll have to look into that. I don't mind the revolving categories too much as long as I have cards where the categories don't overlap. I don't even know how much I get back in total every year, but it is significant. I drive a lot for work and stay out of town, so I've learned pretty quick where the best deals are. Feels so good to expense stuff for work and then get cash back on top of that.

>>129906576
No, you actually lose points for having debt. You get credit by having a history of making payments on multiple accounts for years at a time.

>>129906686
Anyone who spends 2k a month is an idiot who doesn't know how to manage money. My bill barely goes over $200

>>129898490
they're smart enough to not fall for the jewish scam.

>>129906726
>>129906210
So literally good boy points? lmao
Bet you can't rent a house either with bad credit.

>>129906157
I didn't go to college and I have a prepaid phone.

>>129905505
>>129902664
gen z is anything post 92 (ish).
millennials reached adulthood and/or graduated highschool from 1990-2005 (ish)

>>129906686
>Which of course is actually paid for by the retailers, thus making everything slightly more expensive for everyone. It's a sham.

True, but if I get all moralistic and say "no card for me!", I still pay for the people who use them.

Shouldn't you be sporting a Hippy flag, or one of the other nonsense groups?

>>129898490
Why would you want to give the jews the shekels they want?
Cash is a thing and let's be honest. The average millenial isn't going to be able to afford a house on their art history degree and/or minimum wage wagecuck job.

>>129903871
No need, we know who has the smalle dick here

Protip: it's the guy with the truck who has nothing to haul

>>129906848
>My bill barely goes over $200

Once you move out of mom's basement, groceries and gas can easily top that.

>>129906916
Yes but since I referred to "my country" in my first post I thought it would be helpful to display what country it actually is.

>>129898490
>Why are millennials not building credit?

Someone as persistent as you must be employed for money, or have an agenda, or both. Probably both.
Are you data mining opinions and looking for patterns ?

>>129906686
>Which of course is actually paid for by the retailers, thus making everything slightly more expensive for everyone. It's a sham.
Probably true, but that is an argument for society to stop using cash back cards. As an individual it is in my best interest to continue using them
>2k per person
A month or carried over? It doesnt really matter if you run up 2k and just pay it off.

>>129906879
That's true too.

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>>129906726
>Places that potentially let you handle money aren't going to take someone who's shit with managing money
Right, but isn't the government insolvent? and the police are "working" for an insolvent employer? and the police are actually protecting the debt money system - which is unlawful, right? Counterfeit and currency debasement are crimes right?

Aren't the police and government public sector "workers" just new age communists?

>>129907040
I don't use my card for that you fucking idiot. Unless it's an emergency, I never buy more than gas and the occasional bit of food with it. Grocery shopping I do with my own money and I still don't spend that much because I don't buy overpriced shit. Rice, black beans, chicken and fish that's on sale, frozen vegetables, milk, oatmeal, and I'm good. My only fucking indulgence is when I get Nature's Own wheat bread

>>129901249

Underrated post.

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>>129898490
ITS HAPPENING NOW

>>129906876


>>129906876


>>129906876

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>>129898490
Stop replying to worthless millennials threads.

>>129898718
It's actually not. It's a girl.

>>129906860
but apparently not smart enough to know you can build credit without getting into debt.

fuck off poorfag.

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>>129898490
why do you post the same garbage threads every two hours? you have been doing this for over a year now. get a new hobby.

Also why do mods never ban this asshole?

>>129901604
> Doesn't put himself in debt intentionally
> Retard that can't properly manage money
> Bank Logic

>>129898490

are they not? it's piss easy, I don't do anything and I've got a 790 score

>>129907295
Police departments work for the city or county, unless you're state police. And despite what you think, the US is more a collection of city states than a singular government. There are many cities that do well financially and there are some area's poor as shit because the local government is incompetent as fuck. Nine times out of ten it's democrat

Nowadays credit equals debt.

Debt equals slavery.

Only the 1% truly qualifies for debt while the rest are subjected to slavery.

Its all around us. You asking this question proves youre a rich fag.

Get it through your fucking skull you dumb shit. Credit = debt = slavery

>Buying things you don't have money for
>this is considered a smart thing to do
I've never borrowed anything.
I've never bought anything I couldn't afford.
I've never got into any financial arrangements that I couldn't handle.
I pay my bills and shit on time.
yet I had to pay triple deposit on my flat because of my non-existent (((credit rating)))
>being punished for not borrowing because you can actually budget

This is one thing my shitty generation is right about. Fuck supporting this nonsense.

>>129905982
Do you have automatic applications that pay off card debt from your bank account?

>>129907795
(male)

>>129907849
You won't be barred for not having credit most of the time, you'll just pay higher interest. Bad credit will however outright bar you from some things

Well, in Germany a credit card is only needed if you travel a lot. Most hotels and flight companies only allow credit cards. If you want to buy a house though your bank usually looks at your monthly income, your profession and your savings to decide if you qualify for a loan or not. My brother just bought a house and he has no credit card. The only people I know that do own credit cards are business men or people who travel a lot or buy a lot of shit online.

>>129908043
Stop with the platitudes. You can build credit without going into debt. Build your credit, get a mortgage that only costs 20% of your net income, and live your life.

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>>129898490
What kind of cake is dat. I'm not a cake man but it looks good.

>>129898490

Because theyre stupid.

>get $3000 0% APR for 18 months from CITI over a year ago
>do a balance transfer using one of their checks
>$3000 loan 0% interest for over a year
>invest in bitcoin and shit
>???
>profit

It was free money to fuck around with. My current credit score is 763

>>129908088
The owner knows fuck all about your financial history despite your claims. You can claim whatever you want but your credit score is the paper trail and physical proof that you backup what you claim.

>>129907961
Right but you all use dollars USD, right? which are federally distributed. I know the fed is private, but if you are all using dollars then you are all in debt, right.

Im British btw, and its the same problem here. National debt and all

>>129899037
good for you. Taught my kids to do the same

ARRRGGHHHHHH!!!!!!

>>129908356
Lol!

Right. Suppose you loose your job. Or you have broken some made up rule and you goto jail. Or you have a medical emergency.

What does debt (your mortgage, your credit card for buying dragon dildos, your shitty daewoo car loan) look like to you then?

>>129908102
Yeah, you set it up online so that the card is paid off every month in full. You have several options, you can pay the minimum amount due, pay a custom amount, or pay it off in full every month.

>>129908088
I'd also suggest keeping receipts and invoices from bills saying they're paid in full. That helps SOMETIMES in cases like yours. I used to be like you at one point, refusing to have credit but once I actually learned how to do it, my life was better for it

>>129898490
Why are millennials buying "wasteful" shit I push on them while they claim they are poor. Why are millennials not prostituting themselves to me? You can't have it both ways but the fuck ups keep blabbing about the young like Aristotle did, over everything. Because they're fuck ups. No fiat money no buy it. You fucks did that and lied about it so you fuck ups couldn't catch on. But then you invented the internet. And here we are

>>129900597
>get an auto loan on run down vehicle
>pay between an extra 20 to 60 percent more
>make payments on time
>credit companies call you a good goy
>feel proud because you gave the credit jew what he asked for

Consumerist retard.

>>129898490
>one post by this asshole coward noballs redditor

>>129908690
This is why you have an emergency fund of 6 months of living expenses. Credit can be used responsibly. You have to live somewhere, you might as well be building equity in a home that you own. If push comes to shove, you can always move somewhere cheaper and rent your home out.

>>129898490
>Not having your own company
>Relying on life long debt to survive
wew lad

>>129908981
>60% of all people live pay to pay

>>129898586
R
A
R
E

F
L
A
G

>>129908782
>doesn't understand economics.
>blames people anyways

>>129900227
Preach

>>129909113
>doesn't say how I failed to understand anything
Fuck off nobody wants your free interest payment shekels

>>129908839
Why would you pay more? The best deals on cars are on cars that are 2-3 years old and have depreciated by 20-30%, yet are still as reliable as new cars. Most banks charge a half percent interest more than a new car loan, but the interest rate is still 3.5-4%.

>>129909077
Cool

>>129902811
You're responsible for climate change

>>129909071
That's a problem completely independent of credit. Credit, like money in general, is an excellent slave and a terrible master.

>>129908446
he (or rather they, as it was an agent) knows I have no outstanding debts, coupled with the 2 previous references I have and a work reference that proves I have stable income.

Yet because I've never borrowed (because why pay interest for the fucking sake of it?) I am untrustworthy? triple deposit? come on burger how can you try to justify this?

To be fair it's the only time my (((credit))) has ever caused me inconvenience, which is why I'm not too bothered about it enough to indulge it.

>>129909219
>Fuck off nobody wants your free interest payment shekels
more like
>the new iphone is out? HAVE to have that
>new $1400 macbook is out? HAVE to have that too
>gotta look cool at starbucks
>oh shit. my interest is raising and I keep missing payments because I'm a stupid liberal fuck
>oh well #BabyBoomersFault
you're an idiot. everything you stand for is idiotic.

>>129908839
My interest is 1.2% faggot but go ahead and believe what you want. Surely one day you'll actually have enough money to actually buy a car and know what the fuck you're talking about

And the car was a steal by the way, not even 5 years old and had less than a 70k miles on it. Fucking beautiful

>>129900818
are you poor? you can pay a house, a car, anything with cash.

>>129909363
So is air

Why is no one talking about the cake?
It actually looks great !

>>129909524
Careful with that edge.

>>129909467
Read my very first post you fucking pussyhat. You just walk around with a fuck me sign. Sell you shit and give to poor

>>129909614
Air has edges

>>129900582
Good goy, buy a house so you keep showing up for work no matter how poorly (((we))) treat you. ;^D

>>129908981
Youre a rich fag. Please take a pic of your face with timestamp. Also include your residence address, please.

Can you do all what you said on a minimum wage job?

If you were awake and not dribbling some shit you sucked from your dads cock, youd see your american neighbors having a hard time.

Also please put your personal details here.

Also read this:
http://www.marketwatch.com/story/most-americans-have-less-than-1000-in-savings-2015-10-06

>>129898586
>paying bills is difficult
nigger detected

>>129898490
I don't have a salary job and that gets in the way of getting a credit card

why don't the mods ever ban this spamming faggot?

>>129909696
Yeah it kind of is. Who has fulltime now. Hey johnnie. Go get a new job same day across street and get a root beer float with your poodle skank

>>129909615
>Sell you shit and give to poor
>Free shit solves the problem
You're an idiot.

>>129900597

Not that easy.

>build credit for 2 and a half years
>achieve a 720 score
>go to get a lease on a nice truck
>well buddy you seem to have really great credit
>but your history only goes back almost 3 years
>looks like the bank won't give you the loan because you never had a big loan before
>can't get a big loan without have a big loan first

>>129909865
>he hasn't said free shit in 19 forms so imma just say free shit and pretend i have a border wall

>>129898718
>tell me that's not a dude...
Stop being homophobic...
the correct question is
"Does Xe swallow?"

>>129909865
Youre an idiot for not providing an answer. Youre trolling.

Fuck you

>>129909453
References can come form people whom are either close or sympathetic to you

No outstanding debts doesn't mean you never had trouble with paying them at one point

And placing a triple deposit means nothing. People want something they can read and grasp, not someone's word, that's not good enough anymore

>>129899917
he's gay

>>129909665
I grew up poor, but I'm well off now. Renting out homes is one of my biggest sources of income. Look up house hacking. You can get a mortgage with 3.5% down (actually . 5% down if you're a first time home owner and apply for a MCC), rent out a bedroom to cover the cost of the mortgage and live rent free. After a year or so of saving up the rent money you would have spent, you go and buy another home whole renting out the first. Rinse and repeat. You can do this up to 10 times with conventional FHA loans.

>>129909494
I bought a used Rover for £1200 with <30k miles on it without paying a single cent on credit, you fucking loser.

>>129900229
YEEEEEE

>>129909936
>>129909994
>Commies are wigging out because they can't explain how anything they've said is a good idea or would even work in the real world

>>129910167
How

ITT: Europoors demonstrating again why we call them Europoors

>>129909910
Banks don't look at credit reports for car loans, they pull your FICO score and base the loan off of that. Nobody with a FICO of 720 is getting denied for a car loan. Also, don't fucking lease a car, it's retarded. But a car that's 2-3 years old if you want to save money.

>>129910075
You grew up poor with a silver spoon. Boo hoo.

Answer my question and post your information! NOW!

>>129910221
>How
>failed basic english
That's not a retort. Try harder.
You faggots wanted an argument, lets have one.

>>129910330
Fuck you're pathetic. You would even mope in the corner if going bowling. Useless waste of time

>>129910289
I grew up in with a single mom and helped her at her second job at night. In high school I worked full time to help pay the bills. Stop making excuses. I just gave you a plan that can make you more money than you'll ever make working for someone else.

>>129910250

This. Shit, they're giving away cars right now. I used to work with a guy that got approved for a new fucking Kia (lol) with a 590 AND only making $10/hr. I doubt he even has that motherfucker anymore.

Knew another guy, he had NO credit history. No cards, no utility bills in his name, nothing. Had a job making $14/hr. Still managed to get an autoloan for $20k for the impressive interest rate of 24.74%.

>>129910419
>You would even mope in the corner if going bowling. Useless waste of time
what the fuck is this? where were you raised?
I hope the muslim hordes destroy european infrastructure so we don't have to deal with this level of stupid anymore

>>129910480

>24% interest rate

Jesus fucking Christ you young millennials are retarded

I'm 30, and just bought a new truck for 26k 0% finance

>>129910289
Jesus, idiots like you piss me off. You'd rather win some fucking Internet argument than listen to me and learn how you could be living rent free in two months. REEEEEEEEEEEEEEEEEE

>>129898490
I'm 19 with a 765 credit score suck my dick

File: b60[1].png (875KB, 950x608px) Image search: [Google]

875KB, 950x608px

>>129910579

>>129907824

Wow she is SUPER good at staring contests

>>129910087
You bought a range rover with less than 30 miles for $1200? Holy shit this is either a terrible lie or that car was fucking totaled at one point or the owner was an idiot

>>129910887
That's not a real score. You have a placeholder score, and it doesn't mean anything.
You can't have a real score above 750 until you're 25 years old with payments starting at the time of 18, with the exception of taking on massive amounts of debt, having the Income:Debt ratio that keeps those debts below 50% and make perfect payments.

File: barkingatnig.jpg (31KB, 457x469px) Image search: [Google]

31KB, 457x469px

>>129901995
WOW, zero clue on how economies work. Gr8 post... u must be a nigger.

On a more serious note, look up "The Broken Window Fallacy" it could help you understand why your thinking is fucked.

New thread.

>>129911300