/biz/ - Business & Finance

>>21199229
nah, i'm almost twice your age and never had 1 either.
175k-250k major general

Not having any credit history could possibly hurt you in the future if you want a loan for any reason, but honestly if you're doing shit right and actually have money stacked away you probably won't need a loan.

>>21199229
actually, now that i think about it.
everyone i know with credit cards is in debt and poor. so fuck em.

>unsecured credit
where we're going, credit cards won't exist and jewscores won't matter

>>21199229
Get one to use on your everyday purchases. It's good to have a high credit score in the case you're looking to get a loan.

>get a cashback credit card
>use it for everything
>pay the balance off in full once a week, no matter what
Congrats, you now have a good credit score and a 1-3% discount on everything you buy.

>>21199229
I never signed up for one either and I’m 24. My dad signed me up for one years and years ago without me knowing and paid it off every month so now I have a 784 credit score.

If you weren't born with a silver spoon like me, it'll fuck you up if you have dreams of doing anything big. The business loan would've never gotten approved and my net worth would've barely been better than my parents if it wasn't for credit

>>21199229
if you're rich it doesnt matter. if you're poor youre going to get fucked the second you need to take out a line of credit

>>21199229

OP, I didn't get my first credit card until I was 32. Just never felt the need and I prefer paying with cash. When I finally decided to apply I was turned down despite having a solid work record and no financial issues. Turns out that the kikes think having no credit is bad because they can't Jew you out of interest.

Get a pre-paid credit card. Put however much you think you might need for purchases on it. Use it to buy everything but pay it off as soon as you get home. Do this for a few months and apply for a Visa, MasterCard etc...

I did and was instantly approved.

>>21199399
>Get one to use on your everyday purchases. It's good to have a high credit score in the case you're looking to get a loan.

100% correct.

I didn't have one until I needed one for an apartment lease. So I went and got a very basic cash back credit card that day worked out fine

If you ever want a business loan you’ll be fucked
You will get kiked with the worst interest rates possible on your house mortgage.
Just get one and use it for groceries and pay it off every month. It’s super easy to get 800+ IQ score if you aren’t a sub 75 iq nigger untermensch

If I get one for groceries, how long will it take for the kikes to smile at my score?

Ive been thinking if its worth to get a credit card just for daily expenditures. That way I can just keep dumping money into investments and pay off the bill before end of each month. Dont need to hold fiat in my accounts.
I used to work with some Exclusive Brethren and they did the same thing. Thought it was strange they used credit so much when one would think their beliefs would be all cash no plastic. But they are pretty much white jews and make everything work to their advantage.

>>21199828
I had a 780 score after one year of paying it off each month.

Imagine being dumb enough to turn away free money.

>>21199707
>I didn't have one until I needed one for an apartment lease. So I went and got a very basic cash back credit card that day worked out fine

This is the same reason why I got one.

>>21199229
less of a problem then the fact youre so stupid youre asking this question

>>21199316
because they're retards.

>>21199935
I have thought about the fact that most Americans live with thousands of dollars of credit card debt. Couldn't this be harnessed?

>>21199229
>>21199229
got my first credit account in 2013
I now have a 795 credit score and 3% rate on a mortgage with only 3% down. I was ready to put 10% or more down but my banker said I didnt need to. I renovated the house and was at 20% equity 4 months after purchasing so I could drop the mortgage insurance

There are infinite tools at your disposal to build wealth if you have a good credit score