Americans paid $130 billion in credit card interest and fees in 2022, according to a new report. Here are three strategies to help limit those charges.
It’s not difficult to use credit cards responsibly and come out ahead. Moat people just lack basic financial literacy and/or the willpower to not use them irresponsibly.
Never said credit cards created that problem. Spending more than you make will never work for very long. But in a month where for example your vehicle and your water heater break and you’re not rich, you gotta do something.
You could only spend $5 a month using a credit card and still build up a good credit score/history by paying it off each month. Whether credit cards exist or not, your financial situation is still going to be the same, so you might as well use them to your advantage.
If you don’t want to be called a shill for banks, try and avoid sounding exactly like a shill for a bank.
With even a second of reflection it should have been clear that not everybody has the same luxury as you do. Forget to look both ways before crossing the street and you might find that a 200 IQ isn’t the protection you thought it was.
Nah, that doesn’t sound like you. You’d find an article about people being maimed by faulty Ryobi drills and comment “Honestly it’s not that hard to use a drill if you’re as smart and well hung as I am. I’ve used my Fesstool cordless drill three times now and was fine every time” like a smug fuck.
It’s not difficult to use credit cards responsibly and come out ahead. Moat people just lack basic financial literacy and/or the willpower to not use them irresponsibly.
It’s easy until your bank accounts won’t cover important purchases and credit cards are the fastest and easiest way.
That’s called not being financially responsible. You are spending more money than you make. Credit cards didn’t create this problem.
Having an emergency is being financially irresponsible?
Seems to me you’re being a tad reductive.
Never said credit cards created that problem. Spending more than you make will never work for very long. But in a month where for example your vehicle and your water heater break and you’re not rich, you gotta do something.
ftfy
You could only spend $5 a month using a credit card and still build up a good credit score/history by paying it off each month. Whether credit cards exist or not, your financial situation is still going to be the same, so you might as well use them to your advantage.
Thank you, bank spokesperson.
Now go piss up a rope.
Grow up.
If you don’t want to be called a shill for banks, try and avoid sounding exactly like a shill for a bank.
With even a second of reflection it should have been clear that not everybody has the same luxury as you do. Forget to look both ways before crossing the street and you might find that a 200 IQ isn’t the protection you thought it was.
If I tell you that cordless drills are useful, are you gonna call me a Ryobi shill?
Nah, that doesn’t sound like you. You’d find an article about people being maimed by faulty Ryobi drills and comment “Honestly it’s not that hard to use a drill if you’re as smart and well hung as I am. I’ve used my Fesstool cordless drill three times now and was fine every time” like a smug fuck.
How’d you know about my gigantic cock?
I’d tell you to go blow yourself but it’s clear your mouth is already filled with corpocock.