I just started my first job out of college and got my first CC

>>1581826

>falling for the credit meme

>>1581827
>being too poor to get approved

>>1581826

start off with chase sapphire preferred, your credit is mediocre income doesn't matter

>>1581831

>being so poor you have to rely on credit cards

>>1581831
income isn't taken into consideration for credit.

Credit literally exists for people too poor to buy stuff anyway.

>>1581860
itt: fags that don't know how credit cards work and that you can avoid interest.

>>1581827
>Not having a credit card for extra buyer protection and getting 1-5% rewards for spending on what you'd buy anyway
>Paying interest

I make a couple grand a year just buying stuff for other people and having them pay me back in cash or just day to day spend. Literally no effort, totally free money

>>1581878

Until they don't pay you back.

>>1581826
try /r9k/.

>>1581881
Lol I'm not friends with poor people, if I don't get cash on the spot I don't pay

File: hqdefault.jpg (10KB, 480x360px) Image search: [Google]

10KB, 480x360px

>>1581884

But you're an idiot, which means your friends are likely idiots as well.

>>1581889
Gr8 b8 m8

Just apply. Instead of making this post you could have used that time to apply. It literally costs no money. They will let u know in ~1 week if u get approved. Pro tip don't get Amex

>>1581971
I already got the Sapphire.

>>1581826
>not getting the reserve
>probably paying the annual fee for no foreign transaction fees
>not just getting the freedom because you don't travel that much
>being this retarded

Bro, the reserve is $450 but you can easily get $300 back from eating out every year then using your credit to do some cool shit. The benefits are nice.

Pay it off every month and you'll be fine.

Are you really going to spend/travel enough to justify the annual fee?

>>1581884
>if I don't get cash on the spot I don't pay
Let me get this straight.

You buy things for people with your credit card that they could buy with their own money?

>>1582028
yeah, like a split meal bill or amazon orders since i already have prime and they're too cheap to buy their own membership