Who /credit card debt/ here Just spent another $900 I dont have

Don't try to lure people into debt. You have to repay that money, plus interest. You've been Jewed hard.

>>37497912
>get in a ton of credit card debt
>cut off contact with credit card company
That's my plan

>>37498027
Then you put yourself at risk of a bailif visit. Also you'll never be liable for a good credit score ever again. In this day and age, you can't "walk away" from debt. You would have to contest it in court and have it set aside due to circumstance.

>>37498100
>a good credit score
largely don't matter anymore. so many people have terrible credit and they still are goyim cattle to be milked

>>37498100
I don't give a fuck about the plastic card Jews and their schizophrenic imaginary numbers.

>>37497912
Literaly what i did a few yesrs ago
>debt of 12,000
>move to Canada as an inmigrant
>no debt lol
guess i jewed the jews

>>37498257
>he cucked the Jews at their own game
How are people like you still virgins?

>>37498011
I don't have to do shit anon.

Free money.
With this card I am richer than the wage cucks whilst still having all the free time of a NEET.
I am like Bill Gates. Probably gonna be as rich,
Might even by a nice big house.

Between credit cards and school loans to make payments on them, I began to have a taste of small taste of adult life.itta works out great for me so far, and because I keep getting new credit lines and offers, I'm just moving the debt around to pay the least interest on it possible.
Credit is a tool, use it wisely anons

Having a credit card is 100% safer than cash, if you lose it you just call and get another one, it takes up less space in your wallet, and you get free money/flyer miles/whatever every month.

So what's wrong with that?

>>37498164
most jobs background check credit score now

>>37498257
They're going to come after you lol

Maybe not now but in a few years. It's not like you went to the middle east or some shit

how do you get a credit card if you have no job? i've tried to get one and that's always stopped me from getting one

>>37498100
the cops wont get involved unless it is 10k+ in debt. Nobody cares that some NEET stiffed Visa and bought $500 worth of BLACKED memberships and fleshlights

>>37499056
Ree Rees who pay 30% interest instead of paying off the balance every month

>>37497912

I am $0 in debt.

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>>37499201
this is what I did.

Take mummy to the bank and get co signed for a tiny ass $100 limit credit card

Make payments of that for a year and then apply for a real card

>>37497912
I hope you at least spent it on something useful, like food or rent.

........right?

>>37498353
If you don't pay it back they won't give you another one and the limit is probably pretty low so it's only a few thousand dollars of free money one time. Not really worth it.

>>37499302
>Take mummy to the bank
my moms not a fan of debt so she wont do this for me and i have asked

>>37498027
>tfw plan on declaring bankruptcy

How bad is it to close a credit card account because I don't want it around anymore?

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>max out credit cards on neopoints and runescape gold
>also csgo skins and pornhub 24 hour subscriptions
>24k debt in 9 months
>file bankruptcy
>repeat

free money bois

>>37499377
if you care about your jew MMR and plan to buy a house or a car. R9k lel. closing one is bad.

Your credit score is partially determined by how long your lines of credit have been opened. DESU senpai I just sub to netflix on an old CC I dont really use and auto pay the bill every month

>>37499406
you have to wait 7 years before you can get new credit though

also
>paying for porn
kys

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>rack up credit card
>buy consumable goods like lobster, wow time, and prostitutes
feels good man, gonna laugh when these jews come to collect.

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>>37499477
>buying prostitutes with credit
how do you do this

>>37497912
You fucking moron, there's no escaping debt. If you die, your family will have to pay it. My stupid fucking father had $15,000 in credit card debt and I had to pay that. My mother right now has about $30,000 in debt and I'll probably have to pay that too so that the credit card companies don't come knocking on my door.

Go fuck yourself you irresponsible piece of shit.

>>37499104
where do you live? clearly not a western country

>>37499505
cash advance

>>37499525
Are you effing stupid?

In the US credit card debt doesn't survive death, unless there's an estate greater than the amount of the debt.

Did the credit card company trick you into paying when you didn't have to? What a dumbass.

>>37499525
That's bullshit.
>>37499550
America? My mom got denied for a job a few years ago because of her poor credit

>>37499580
In what scenario would the debt be greater than the value of the estate? Of course the estate was worth more you imbecile. I inherited the house, but my probate attorney told me I had to pay the debt, there was no way around it.

how bad is it if im $900 in debt

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you just don't get it OP

start a company, lure investors, fuck them over and houdini yourself with the money

>>37499126
nah there's no way i don't even have a house i live with a romanian family who are also inmigrants. probably will move out soon to some other place

>>37499525
Lol you either don't live in America or you got jewed hard. In America, debt does not pass to a person's family on death. The debt dies with the debtor. You're a moron.

>>37497912
been there done that
at least currently I'm only paying off student loans, I remember a time when I figured I was gonna kill myself in a few months anyway so what's 2500eur to spend on booze

>Use money that doesn't belong to you that you have no intention of paying back.
>Somehow they're the Jews and not you.

Really makes you think.

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>>37498506
can you pay off credit card debt with other credit cards?
>tfw pay off credit debt with other credit card creating infinite wealth

>>37499550
Not that guy you replied to, but some real jobs do credit checks on employees. Something about how having good credit shows good character.

Of course, if you're just applying to be a cashier at McDonalds, you probably won't have a problem.

>>37499671
also, start a mobile app whatever company, get some folk with PhDs on board, have all the work done for cheap in India or China, funnel the money elsewhere and have someone else be held responsible for ensuing shitstorm

Currently 247$ in debt.
Credit score went from normal to shit in just a few months because i cant pay it.

i wish i never eben got this shit

>>37499800
Sadly not, though I do wonder if you could use a credit card to buy a prepaid debit card to pay off a credit card. Probably not, but that'd be interesting if so.

>>37499056
it's such an american thing to even have to say this out loud. literally everything is card money now in the civilized world. ice cream stand, farmer selling potatoes at the marketplace? everyone takes visa. your business would die otherwise. there's literally no reason to ever carry cash unless you live in the developing world.

>>37499721
Well mostly true, but creditors get first shot at the estate after death before relatives or anyone else named in the will.

>>37499636
so your parents paid the debt through their estate that you inherited dumbass

>>37499636
#whitepeopleproblems origg

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Wow, Anon how'd you secure such a large fortune?

>well you see
>be me
>NEET
>max out 17 credit cards by buying runescape gold
>file bankruptcy
>transfer runescape gold to bitcoin
>watch my investment go from 300$ to 2,500$

And from there, I spend my days tormenting wagies by ordering food from McDonalds and leaving them fake reviews so their bosses verbally assault them.

>sips wine

>>37499828
you can buy prepaid debit cards with credit cards, couldnt you even purchase moneygrams and just send the money to yourself?
Then of course just keep racking up more debt and charging it to other cards every month until you have amazing credit

>>37499890
>max out 17 credit cards
>300$
what did he mean by this?

>>37498027
I did this several times in multiple countries. 10/10 will seek residency and do again.

>>37499636
aahah fucked by boomers yet again

>>37499912
I assume he meant bitcoins price
it's 2500 now and it used to be around 300

>>37499636
In just about every scenario where the OP dies.

You said "your family will have to pay it." OP has no assets. If he dies with negative net worth, nobody has to pay shit.

The credit card company has no one to pursue because there's no estate in probate.

>>37499056
Know what's better? It's called a debit card. Like credit cards, but no debt.

>>37500270
>debit card meme
>having no safety net if your card gets skimmed or if the merchant gets compromised
Nah, true master race is using a credit card and paying it off in full at the end of the month.
>extra protection
>cash back
>easy to dispute charges

>>37500270
>Know what's better?
Not really. If you have a cash-back credit card and only buy shit you would have otherwise bought with it, you literally get free money if you pay it off in full each month.

>>37500332
>Nah, true master race is using a credit card and paying it off in full at the end of the month.
This is completely accurate, but it just saddens me immensely how it's such an out-of-reach goal to attain for myself and most robots.

It's like saying "Nah, true master race is having a cute thick girlfriend you can lovingly snuggle each night." It's completely true but so goddamn soul-anguishing to think about. It's like a homeless person thinking about what it's like to eat each day at an expensive restaurant.

>>37500419
Just have self control and only buy what you need/can pay back with ease. Pretend it's a debit card.

>>37500534
You're exactly right again, but it's still depressing. It's like saying "just lift weights, dress better, develop social skills, and ask out women." It's undoubtedly the correct advice but it feels so unobtainable. Maybe I'm being too much of a sadcunt though.

>>37499525
This. My great grandfather owed like a million fucking dollars and it got passed on to me.