:gigachad-hd: Dirtbag leftist with 20 grand in debt not paying shit and still having their credit score go up: Another credit card offer? Thanks!
even better is when paying off your credit debt immediately makes your credit score go down
I once had a chud explain to me that I could in fact repay my 100k+ by working more as I only needed 2 hours a day (including weekends) to eat, shower, do household chores, commute and look after my children.
I'm not paying that shit back unless I win the lottery. Creditors can get fucked.
I once had a chud explain to me that I could in fact repay my 100k+ by working more as I only needed 2 hours a day (including weekends) to eat, shower, do household chores, commute and look after my children.
Jesus, fucking what.
They can't acknowledge that hopeless financial situations exists as that would imply that capitalism wasn't perfect. They need to make up a hypothetical Personal Responsibility™ scenario to maintain their worldview.
They often will acknowledge a currently hopeless situation, but then justify it as the culmination of a long string of personal failures and is thus deserved. I got a ton of "should have done this or that" type advice back when I was homeless, instead of any advice on how to escape homelessness.
Fuck, this was absolutely me back when I didn't know shit and just wanted to believe the shit my teachers told me (they were mostly really conservative or libertarian)
I got inspired to do this from the credit card talk other users where having a few days ago. Your credit score still goes up even if you're not paying on anything lmao, what a system. Money is fake.
Add in an economy that likes to implode every six months and we got a real healthy and stable system! :ancap-good:
I remember not being able to pay my minimum amount to my credit card, and the bank locking my account until i did. Can't pull that off anymore.
Weird I've never had that happen but then again I haven't had a bank account since like 2013.
Fair enough. I've got credit protection to stop the bank from assuming i'm just skipping out on paying. Even 80 bucks a month is good enough for them.
Credit scores are everywhere lol. Mine is probably shit for taking out a loan for medical debt
A credit score isn't how well you handle money it is how much money they think they can con out of you
Me, having a shit credit score for no reason. It just doesn't move.
Take on more debt? Fuck it. Actually don't do this unless you really wan to.
It's funny, cause mine really hasn't changed much even as more than I'd like has been on it for like 8 months. I'm not drowning in it, but I expected my credit score to go down lol. Instead they're like "hell yeah, she's killing it!" :ancap-good:
Dude, bro, it's all about poor people not having a rich mindset. You gotta read my man, the patron saint of the wannabe landlord class, Robert Kiyosaki. He explains that poor people are poor because they think like poor people, simple as that. You could spend your life poor while making meaningful contributions to society in a public service job like his sucker real dad, or you could be a successful as a cheap fuck parasite 'entrepreneur' stealing the labour value of others like his 'rich' dad, or leeching from the low income/poor and their need for housing like his dad.
You gotta have a Rich Dad ™ mindset in this game bro!
I actually changed someone's mind on those types of books the other day. They often advise putting a lot of money in real estate and investments, right? Everyone writing those get rich books have huge holdings in large real estate companies lmao
"The way to get rich is give me money to teach you how to get rich and then give money to my company"
The guy from the meme is Ibai, the best and biggest spanish streamer and somehow a legitimate good person. Encouraging his audience to actually study rather than drop out and try to imitate his career. (If you were curious about who he is).
This gif is from a video where he explains how to pass your exams:
https://www.youtube.com/watch?v=zm3sJzjuJPQ
Credit score don't matter none if your earning power is shit anyways. My score is pretty good but I still can't even buy a new whip because income is too low.
That makes a lot of sense. Obviously it helps to be able to be bailed out by the government and investors.
I’ve had my credit card for 3 years and have yet to pay any interest on it, i just throw cheap stuff I can pay off so I can get my credit score to 800
That's the "right" way to use them. Just hard to stick to it in this consumerist mind wash bullshit. And assuming you don't get ruined by not being in perfect health.
Having a low limit on it helps. I kinda use mine for budgeting because it has a $1000 limit, which is just about right for what I spend monthly (excluding rent and other fixed bills which get paid by bank transfer).
I often think about getting my credit perfect so I can get some high limit cards and just max them out and never pay them back. I just did that procedural gimmick and got some old credit card I had deleted. If my luck holds up with this I might be on my way to the plan.
Not great financial planning but it would make me happy
