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Joined 1 year ago
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Cake day: August 11th, 2023

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  • If you can be a good boy/girl, get a credit card. Start with something that returns actual value, like a grocery store card or gas card. Something you can use for ABSOLUTELY EVERYTHING and then use the points or cash-back or whatever on necessities. Pay your bills with it, buy your groceries, use it everywhere you can.

    Now, here’s the important part: pay the statement balance IN FULL on or before the due date. If you pay the statement balance every month, you’re basically getting a short term, 0% interest loan, and building your credit score at the same time.

    Oh, and never get a credit card with any kind of annual fee or membership requirements. And when I said useful, I didn’t mean the Belle Tire card that gives you discounts on tires. WTF Belle Tire, how many tires do you think I’m going to buy?

    In case you missed the part where I told you to pay off the statement every month, here it is again. Pay off the statement every month. No excuses. If you can’t pay for something in cash, don’t buy it with the card. Once you miss a payment, they start charging that ridiculous interest rate on everything you buy on the day you buy it. Once you miss a payment, you must STOP USING THE CARD until the balance is zero.

    But if I find out you’re carrying a balance, I’ll find you and kick your ass myself.