But people tell me I'm an idiot for having credit cards

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>>3154054
>high interest
>3%

you're fooling yousef

>>3154054
I'm a student and my Credit card is my safety net.

If my PC breaks down, and i need to buy a new component, I cant just stop everything and tell lecturers to fuck off until next payday.

>>3154067
Well it's not exactly high. But it's still something, literally free money for nothing

>>3154054
>high interest account (3% here in Australia)
>high interest
>3%
Fuck, I make that much a day on crypto by daytrading.

>>3154054
>lose job
>can't pay off card
>you're fucked
That's how it happens.

>>3154067
>>3154092

Yous are beside the point. Fine, fucking invest it in crypto then, whatever.
The point is, am I an idiot for having a credit card?

Pay bills and everyday expenses with credit card and you'll have more money to invest in your faggot coins

>>3154110
>lost job?
>redundancy payout

>>3154054
A lot of boomers were financially irresponsible and accrued large amounts of debt. Now they tell everyone that credit cards are the devil. Now you get lots of millennials parroting them.

>>3154114
Once the interest free period runs out, make sure you pay off your credit card in full every month. If you pay interest, then you really are an idiot.

Some people will tell you, you need to leave a balance to build your credit score. Don't listen to those people.

>>3154054
Don't forget the reward/airline points

>>3154179
Yeah I've had credit cards before, never paid a cent of interest or annual fee. It's easy as fuck to set it up automatically so it pays it in full

in germany mostly all creditcards has fees or something. so only a few german ppl using credit card here.

>>3154080

>Well it's not exactly high. But it's still something, literally free money for nothing

the number in your account might go up, but the value of your account will always go down

>>3154324
Ok so then what do you do with your savings genius? Just let it sit there or spend it?

>>3154334
look kiddo, this is how it works

do you ever want to not worry about money?

if yes, take your monopoly money out of the bankers hooker'n'blow fund and get it into crypto/lending/stocks

if no stay poor. its your choice.

>>3154276
Then check the terms and conditions small print

Many banks do not cover debit cards in fraud cases

>>3154439
Yeah that would be nice. Ok sir, teach me then. What's your email?
What do you do for a living? If you don't have to worry about money, I'm guessing you don't work? How much are you making?

>>3154439
Lol and he's gone.

Just as a I though, another faggot hiding behind a keyboard who thinks he knows it all. Probably made his first 1,000 on crypto and now thinks it's his income but really flips burgers at McDonalds

>>3154054
That's called stoozing I do it with my UK student loans

>>3154054
this. Get a credit card with cashback too. 3% + 1.5% off all spending. PLUS protection from fraud via cancellation