Message from @Smoke
Discord ID: 637794433516961795
<:black_pill:565703068478341151>
I only make transactions with cash
my credit card is 2% cash back thats free money if you have self control
heh
I understand there are some benefits to having one yeah but I am concerned with my self control
i don't have to worry about that shit cause im young
I dont use a credit card
even shitty jobs check your credit score now
Ah jeez, I don't know... 3 dollars
yeah i am too conservative i never have that worry
I have a card
i never am tempted to spend money i dont have
<:oof:399031884312739841> image you can get a job at wendys because you have no credit
<:steflol:561214382181318656>
can't*
amerimutt moment id say
you should get comfortable with credit card, the rewards are too good to pass up
On a few occasions in my life I have been thriftless and extravagant and I don't want to put myself in that position
that's pretty shitty tbh, but it probably is a good reflection of maturity
yeah mine is like 840
credit score
Do you have no credit if you've never had a credit card?
yes
Mine is 720ish, been repairing since my early 20s
basically yes
you dont have one
buuut the problem is if you have a credit card you have to use it at least once a while
Having no credit hurts your credit score
no history I mean
I thought it was just something the government kept track of based on your electronic financial transactions in general tbh
so it's probably shit
if you never taken credit
or else they cancel it automatically and hurts your credit score
your credit score is based on 3 things primarily. 1. ontime payments. 2. debt/credit ratio. 3. age of accounts
do those 3 things you're golden
so actually if you want a higher credit score, always ask for credit limit increase
I have one account with $5,000 and I've never taken anything out of it
so then youre $200 balance on $20,000 in credit is nothing