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

try using fingerhut or something

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

i'd rather i have £100 less a month for a few months than £500 leave all at once

good goyims, as intended