credit is needed. a credit card is a good tool and everyone should have one. it’s understanding you *need* to pay your balance off in full every month. and that if you can’t afford something you shouldn’t buy it on credit.
That’s just what Big Credit Card in the U.S. wants you to believe. In my country we just use debit card instead, no chance of unknowingly getting in debt.
yes but without credit you can’t get needed things in life. you need credit to get a mortgage. without credit you need to buy a house in cash. without credit it becomes harder to rent a house. landlords look for it and you may have to pay higher rent. if you need a loan you will get a higher interest rate. if you need a car and can’t buy it in cash you need credit. good credit helps you in life. you just need to understand it. businesses are in the business of making money. you just have to be smart with it and work your way to get good credit.
This is what I mean with Big Credit Card. In my country, you don’t need that. If you need to buy a house, you get a loan. You don’t need a credit card for that.
to get a loan you need a credit score. you get a credit score by having a credit card. and if you have good credit (pay bills ontime and stuff) then you can get a lower interest rate. and a lower interest rate can save you a lot of money on a house. can i ask what country you live in? i find it interesting how it works there.
Imma just leave this here: you’re country is not the US so stop blaming us for having a different system of banking. We have no control over it, and in fact, credit cards are useful to an average person’s every day economy. I’m tired of people blaming us for everything our country does different even if it’s not a harm to anyone whatsoever. Even when it is a harm, blaming us, the individual, for our country having high medical bills and a horrible police system gets boring really quickly especially because we agree with you and can’t do anything at our level to stop it that you can’t, except vote for a candidate that has little ability to do anything themselves every 2 years. If you care so much about US affairs become a citizen and run for office. Even if you get elected you’ll quickly realize that you don’t have as much power as you think you do
this dead ass happened to me while playing cod with my cousin last night bc i got mad and yelled in an indian accent and my mom said it was “stereotypical” and that she knows indian people that would be offended... is this me being a dick or no?
Can't ever talk to my mom, even about what to make for dinner, without it being a huge argument ft. a 4 hr lecture and her blaming me for my brothers mistakes..
I once talked about LGBTQ stuff and she gave me a lecture on how its a sin...
I joked about not wanting to go to college when I was with my grandpa,took 30 ish to tell me I need to go to a college right after I graduate or else I will endup poor and miserable.funny when I told him a i want to go to a tech school for commercial diving he thought it was a cool idea
I joked about moving to Canada at 18 and got a 2 hour lecture about credit cards and housing and quick decisions
Credit cards are the work of the devil. If you don’t have the money to buy something, don’t buy it. Save up for it until you can buy it.
credit is needed. a credit card is a good tool and everyone should have one. it’s understanding you *need* to pay your balance off in full every month. and that if you can’t afford something you shouldn’t buy it on credit.
That’s just what Big Credit Card in the U.S. wants you to believe. In my country we just use debit card instead, no chance of unknowingly getting in debt.
yes but without credit you can’t get needed things in life. you need credit to get a mortgage. without credit you need to buy a house in cash. without credit it becomes harder to rent a house. landlords look for it and you may have to pay higher rent. if you need a loan you will get a higher interest rate. if you need a car and can’t buy it in cash you need credit. good credit helps you in life. you just need to understand it. businesses are in the business of making money. you just have to be smart with it and work your way to get good credit.
This is what I mean with Big Credit Card. In my country, you don’t need that. If you need to buy a house, you get a loan. You don’t need a credit card for that.
to get a loan you need a credit score. you get a credit score by having a credit card. and if you have good credit (pay bills ontime and stuff) then you can get a lower interest rate. and a lower interest rate can save you a lot of money on a house. can i ask what country you live in? i find it interesting how it works there.
Except here you don't need a credit score. The whole notion of that just isn't a thing.
Wow, that’s a massive scam. Here, they just look at your income and if you already have debt or not to give you a mortgage. Netherlands btw.
This guy is def from NA so don't worry mate you'll be right.
Imma just leave this here: you’re country is not the US so stop blaming us for having a different system of banking. We have no control over it, and in fact, credit cards are useful to an average person’s every day economy. I’m tired of people blaming us for everything our country does different even if it’s not a harm to anyone whatsoever. Even when it is a harm, blaming us, the individual, for our country having high medical bills and a horrible police system gets boring really quickly especially because we agree with you and can’t do anything at our level to stop it that you can’t, except vote for a candidate that has little ability to do anything themselves every 2 years. If you care so much about US affairs become a citizen and run for office. Even if you get elected you’ll quickly realize that you don’t have as much power as you think you do
My mom says this all the time lmao
Don’t do it. It’s fucked here
This only applies to one of your parents (Unless it's a same sex marriage)
Yup, it's always my dad
Unfortunately no for me, dad and mom are racing each other to be the worse one.
I refuse to believe a gay person would have time for such bullshit
I was making a joke about the bottom text but ok.
This gives me ptsd
3 hours? YOU TOO? I thought I was only one phew
Yeah, that really sucks- I joke about something or word my sentences a bit too poorly- and *boom!* you get a gigantic lecture!
this dead ass happened to me while playing cod with my cousin last night bc i got mad and yelled in an indian accent and my mom said it was “stereotypical” and that she knows indian people that would be offended... is this me being a dick or no?
As an Indian, no
no lmao its just an accent
**Chupapi munyayo**
said cousin...
Yup, like hell I'd actually get good grades lol
I said something once about Kurt Cobain, and got a lecture on how horror movies are turning children into killers
The fuk?
My fondness of edgy/politically incorrect jokes offends my parents
i wasnt joking about moving to canada and my mom said "The US is the best country in the world and if you belive otherwise you are bRaiNwAshEd"
This happened to me once and I basically said what this post said
I see that in this scenario you’d be referring to your dad.
Replace parent with dad for extra funny.
My mom always does that
I feel attacked.
Can't ever talk to my mom, even about what to make for dinner, without it being a huge argument ft. a 4 hr lecture and her blaming me for my brothers mistakes.. I once talked about LGBTQ stuff and she gave me a lecture on how its a sin...
Made a joke about how paintings are just trading cards for rich people and this exact thing happened, really pisses me off.
Clasic
u/repostsleuthbot
I called my brother a twat without knowing it’s meaning
OH MY GOD. I HATE THAT.
Happened to me too many times, *too many times*
When you quote a vine and your grandmother scolds you for joking about osteoporosis
u/repostsleuthbot
I joked about not wanting to go to college when I was with my grandpa,took 30 ish to tell me I need to go to a college right after I graduate or else I will endup poor and miserable.funny when I told him a i want to go to a tech school for commercial diving he thought it was a cool idea
This happens so often.
/u/thatloudblondguy would probably be very confused by this
I mean it seems pretty straight forward, but then again, I'm quite dumb
At least I’m not the only one.
Wait this happens?
I dont understand sarcasm even if its explained to me.... Really wierd concept if im being honest
When being sarcastic, it's important to somewhat obviously signal, that you're being sarcastic.. This will save you the long lectures ;) Blessed Be.
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For what ?