Message from @robbie
Discord ID: 335412596847149056
oh wait, I think I know now
i mean i don't fully understand how transferring money onto a card and then paying with the money you've already transferred is any different than just having... a bank account and a debit card
but okay
is it one of them "secured" credit cards?
where it's basically a prepaid card
@Adam W it's for people with no or low credit score I think
yes its visa
pretty much @transience I have the account since I am 18/19
does having a shit credit score prevent you from opening a basic bank account?
no, but you get terrible conditions
sometimes, and depends on the account
worst case, you can still get a basic account
i use it for international money withdrawals and ali. I have no other needs for a credit card. everything else goes by debit/ec
yes, 100€ limit
so they put a limit on it despite you having to put your own money into it before you can use it??
I think they dont "trust" me with more. I never had much money in the account. I can go up until -100€ max, but the "fine" is quite large (a couple %). So i just put money on there whenever I need it
oh yeah, it is a free account, that is probably a huge factor too
i greatly helped to curb the chink shit addiction, since it means I have to transfer the money before I can use it to buy and hence have to think twice about it
Weird
They gave me a 3k credit limit as soon as I signed up
they raise your credit for buying their cheap shit
made for people with low credit
Murrica is ruled by debt shekel money
So is yurape
- buy a car
- pay the car off every month for 3 years
- millions of credit score is yours
worked for me
I'm an 18yo semi-NEET-student and capital one still gave me £200 with no history
Yeh see I have great credit
I just buy shit with it and pay it off
i have a dank cc with £3,500 limit 0% for 20 months, and then i can transfer to another 0% after that for 3 years
having a credit score is fucking great tbh lads
Yeah
i personally dont like credit
Same
would only use it to purchase homes
^
i dont like the idea of being swamped in debt like my parents
It makes sure your not a incompetent nigger who don't pay his bills
kek
>debt culture
you're not really swamped in debt if you can comfortably pay it off and have money to spare. its just useful for like, if i have an unexpected high cost like car breaking down or something, i know i can pay for it with that and only a set amount will leave my current account each month to actually pay for it