>>129911300
because you're a fat virgin with nobody

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>>129911300
Because they don't have surplus to pay the interest on the credit scheme.
Also they know more than their parents as far as the banking system being a total scam and housing is unaffordable to them.
Why continue this dipshit subject?

but I am. Nobody told me to do it, or coached me, never went to a class on it. If you want to improve your station - buy a house, a car, get a business loan etc its just something you need to do and it aint hard either. Also Jews

>>129911300
Who is the girl? Does she fuck asian guys?

My credits great.

My remaining 40k of student debt isn't.

Credit cards are for landlubbers. A rea man spends what he earns or plunders! Yarharhar

Jews

>>129911300
>We want you to enslave yourself to us so you can benefit from our funny-money system which totally won't collapse in your lifetime goy!
Gee, who fucking knows

Simple.

If you can't afford it, don't buy it.

>>129912409
is it just you posting this shit in every thread or is this being multi-poster meme forced?

>>129912776
I've posted in like four threads but I'm having lots of fun talking like a pirate. :)

>>129911300
>partaking in the usury jew
If jesus was here he would whip you

>>129911300
>2017
>still falling for the consumerism meme
Its like you want to suffer from depression.

>>129912581
>take out hundreds of thousands in loans
>buy tangible property
>system collapses
>lol what debt

>>129913029
switch to a nazi flag, its more fun

>>129911300
The millenniaials aren't falling for (((credit))). It's another Shoah.

>>129911300
>Why are millennials not building credit?
Why aren't producing the chains that will serve to enslave them? go figure.

>>129913031
Usury was only unacceptable to sandniggers. The Greeks, Romans, Egyptians and Persians all practised usury legally and widely.

>>129913517
No u

>>129911300
No one will offer me an unsecured credit card because I have no credit history, and I'm not about to hand over cash to some Jews in exchange for a card that simply allows me to use the cash I gave them. I don't need credit anyway, don't need any loans, always keep cash on hand, have bullion and crypto as backup -- they can keep their (((credit))).

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If you are 18-30 and plan on having your own business sometime in the future not having an established personal credit trail or daddies expendable millions to spend, GL ever getting off the ground.

You need very good credit to start a business. If you don't think so, go back to school ASAP and not to some leftie brainwashing liberal arts scam.

>>129911300
I am 20 and have had a credit card which i pay on time since 18.

>>129914297
I've started a couple businesses with no credit, it's not that hard unless you're fucking stupid.

>>129914180
Get added as an authorized user on your parent's cards. Their history for those cards will go on your credit score.

>>129914297
Please disregard this anon he sucks cock. My brother and I started a company with $15000. Started real small. And know we semi made it. Do t listen to this Jew fuck. You can make it lads.

>>129914530
Some businesses are capital intensive. If you've really started a "couple of businesses" then you would understand how credit could be useful.

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>>129911300

>>129911300
Because money is the root of all evil, and working so hard to build a fictional thing that just goes away after you die, is no better than just being a cog in a machine that need to be replaced when it breaks.
There are better things in life than worrying about money. Get out of the basement.

>>129914530

From 18-25 I established around $20k in credit from cards and getting a car. By 30 I was able to take out a business loan, and now I am 34 and own 9 properties and have 14 million in the bank and 2 million in investments.

I would have never been able to get that initial business loan if I never established personal credit.

>>129914570
Yeah, I've heard of that. I don't want my mother to do me any favors though, I'm fine without credit. If I really needed a loan I know at least a half dozen people who would love to give me one.

>>129912237
Thats your mistake

$75k business loan by the way, and a few smaller ones here and there in between. All paid off.

Also to this day 100% on time payments, 850 FICO.

>>129915117
Eventually, you'll want to buy a home. Hell, the cashback I get from my cards is roughly a hundred a month.

>>129914937
>>129915226

fucked up the reply

>>129911934
>doesn't realize there's no interest to pay if you pay the full amount every month.

I have excellent credit and have received hundreds in Amazon credit just for paying with a credit card. I still have cash, as I oppose a cashless society, but using my CC has been good for me

>>129915260
>Eventually, you'll want to buy a home.
that's what guaranteed VA loand with 0 down payment are for :^)

>>129914747
If you want to start a capital intensive business you should do it with OPM at no personal risk to yourself. If you can't find investors, then you were probably going to fail anyway.

>>129911300
I am though. Why do you care globalist shill?

>>129915410
You still need credit for a VA loan, anon...

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>>129915457
>investors aren't going to pull your credit score before investing in you

>>129915628
What a fucking moronic man that is

>>129915260
I already have a home. I'd like to buy a bunch of land in the middle of nowhere though, but I'll just save up and spend cash on it. Maybe sell a certain percentage of the timber upfront to pay a portion, lease mineral rights, etc. There's more than one way to skin a cat, so they say.

>>129914747

There is much opportunity today for `decentralized` enterprises that are not capital intensive, though they are mainly on software development (which is what me and my wife do).

As someone who lives in one of the most tax-heavy countries out there, I concede that it is nigh impossible to start a straight up office/factory/store/restaurant kind of enterprise without credit building beforehand. But if you have a good gaming rig and motivation to learn 3D modelling/programming/etc. you can not only build credit on accumulating small services, you can also kickstart your own business in a home office fashion. Those of us who are not tech oriented though, are completely out of luck.

>>129915968
If you have a mortgage, you should be able to get a credit card.

I applied for one with my local credit union and was declined. I have $10k in savings and only wanted a low limit card for gas/online purchases, but I didn't get it due to "insufficient income". I only work part time while going to college but my spending habits should reflect that I'm not a risk.

>>129915628
>what is a credit lock

>>129915296
>>129915226
>>129914937
samefag

>>129916104
Bought and owned free-and-clear.

>>129916433
I'm not sure what that is. Are you talking about a credit freeze? In all this talk, I think it's lost on you that hard money lenders are always more expensive than banks. I've never met a hard money lender who doesn't run a credit and background check on the person they're lending money to for the first time.

>>129916416
Do you have school loans? That's why I can't get a credit card

>>129916416
Get a secured credit card if you're in the states. You let them hold $500, they give you a credit card with a limit of $500. Use it for 6 months, then apply for a card like Capital One.

Every time you ask why millennials don't do (x) with their money, you answer your own question. They're millennials, they don't fucking have any.

>>129915527
my credit is fine but i don't babysit it

>>129914180
>I'm not about to hand over cash to some Jews in exchange for a card that simply allows me to use the cash I gave them.
Sounds just like a checking account with a debit card.

>>129916444

it was supposed to be?

>>129911300
Cuz I need avocado r u stupid?

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>>129911300
>Not building credit
Can't build credit if you have no job

>>129911300
Because they can't.

>>129917319
>>129915296
>>129915226
>>129914937
same fag

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>>129914937
what's your biz faggot?
I'm flirting with opening a fast food restaurant, I already have an online app biz

>borrow money
>why
>to borrow more money
maybe millennials aren't as dumb as everyone says?

>>129914437
This I always make sure I have mine yin the bank when I use credit. People are retarted and use it without any way of paying it back

>>129917585

I got in early with airbnb, but the initial business loan started off with importing and selling carpets with my wife. She still does the carpet business, I don't anymore.

Buy as many legit properties as you can as soon as you start making your first mill.

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>>129918155
you're a landlord?