LAST WARNING, FAT BITCH
amurricans are born suckers and everyone wants to join the sucker club
drive around in a giant escalade, eat at cheesecake factory, die of diabetic shock, all that
What is your FICO score?
- Thread starter Quence
- Start date
drive around in a giant escalade, eat at cheesecake factory, die of diabetic shock, all that
kinda related... my last few birthdays/xmas/etc I couldn't actually think of anything I *wanted* because I'm comfortable with what I already have, idk why that's such a hard concept to grasp for some people. And even when i do want something it's a QoL item like a new watch or a pair of headphones and that's it
this the convo to have. "don't buy a ton of shit you don't need"
i still buy an occasional plushie, and i still like shiny rocks, but such purchases are few n far between
honda's paid off, all student loans i had are paid off.
i have one card left to pay off n it's cuz i had to throw the last cv axel purchase on it
i still buy an occasional plushie, and i still like shiny rocks, but such purchases are few n far between
honda's paid off, all student loans i had are paid off.
i have one card left to pay off n it's cuz i had to throw the last cv axel purchase on it
Slots
Newfag
yeah, you buy the shit you want over time if its really that valuable to you. credit cards can be good for some things like emergencies (say, that cv axle, or you get a really fat bill you cant pay for at the moment) but as a general rule of thumb you really shouldnt put everything on your credit card. personally i just use a debit and suck it up when i dont have enough
Countzer0
Ediot
I literally just collect and buy things I really want, like with books and movies I make sure to absolutely love them before I buy something to add in my collection. Mostly because the books and blu rays I buy are fairly expensive shit like deluxe edition books (I always read books at the library before purchase), or only have movies I genuinely like rated at least a 4 star on Letterboxd before even considering purchasing it. That way, you get something curated and personal. I think a lot of people just buy things because you're told to which is just retarded. The "digital" not owning anything economy has also ruined everything, subscription services are fucking god awful cancers that has ruined society, idk I kinda derailed my argument here I guess but that's just my cents.
Bingo! Flea understands some of it.
The Luddites who think buying on credit is terrible are usually the same people who are forever-poors.
That’s the lower class common man’s viewpoint of not understanding how to benefit from using credit with a purpose.
Truly wealthy people generally don’t go out and constantly buy pointless crap. But they will buy important things on credit and pay them off before being assessed interest - they become no interest loans. Meanwhile, they have their own money invested during that time and that money is making money.
Are you confusing fico and credit score. I dont think they are the same thing
Slots
Newfag
thats true, you can also put your investments as security and get mega loans; interest is cheaper than tax for most wealthy
That is actually not what it means
Fico is how likely you are to pay off any debt once you get it
Quence is a brokie and has no idea what they are talking about when it comes to money
Quence is a brokie and has no idea what they are talking about when it comes to money
FATNITE
Newfag
780
fico is one of the companies that reports your credit score.
confidently retarded but I agree this Quence guy posts like a poorfag
You buy milk on credit
Fair Issac - it’s a type of credit score. Look it up.
Debt is the predominant metric that’s used.
Partially. It’s a credit worthiness score where debt is the dominant factor.
Who doesn’t?