Message from @themiddleman🐸
Discord ID: 637794226242977802
> not having credit
i have credit card with huge limit but it never even occurs to my brain to spend money with credit,... its just instant life destruction
<:oof:399031884312739841>
Yes
you only use credit card for reward points
you have to play the game now
no way around it
I don't even want a credit card
thats brainlet
<: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 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
high credit score, I mean
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