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 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

https://www.youtube.com/watch?v=ZtzNEE2Esbc

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

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