Where does the

Where does the
>Euro's are scared of credit cards
come from?
I have 5 credit cards.
Bet that's more than most Americans have.

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why would you need more than 1 ?

Why do Euros say that the U.S doesn't matter yet they constantly compare themselves to us.

I unironically love America.

No. Don't take the muttpill

I bet he's consumed by consumerism.

euros are scared of this credit card

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Haha of course I don't have any folders with mutt girls.

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Doesn't most use debit cards though? Credit cards are quite rare here at least.

Worse than scat porn

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They probably have different bonuses. If that's the case he probably selected them for what benefits him and pays it off at the end of the month.

Not needing a credit card isn't the same as being scared of credit cards.

I only have debit. Credit is for business not consumption.

Bonuses on cards are rare in the EU.
EU payments have a maximum capped fee so there's not a lot of wiggle room.
Some cards offer points which can be used on things like hotels and flights for like 10 euro off a 500 euro flight.

>Good goy, make all your purchases using this payment method I can monitor and create a behavioral profile and optimize my marketing instead of cash so I can give you some nice BONUSES for it! Imagine borrowing money and getting BONUSES for it! Aren't I making life so easy and convenient for you?!

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Bonuses, also helps with your good goy score.
I'll give you my example
>Amazon Chase Credit Card - 5% cash back on purchases
>Costco Citi Card - 4% back on fuel, 3% on Costco purchases
> BA Card - 3% back on online purchases (literally anything transacted online); 2% for everything
>BA card issued from when I first opened an account with them - unused
Helps to have one or two unused cards because they increase your total credit ceiling. Your good goy points is calculated by expenditure (and payment) vs. total available credit. I use about 15-25% of my total available credit which helps me with my GGP.
Literally nothing wrong with this unless you're ashamed of your behavior

This is retarded

Imagine standing in a store with a wallet chokfull of credit cards trying to remember which is the most appropriate to use at the very moment

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having a good credit score is important if you are playing the long game and are looking to get a loan for a house. Renting is literally throwing money away.
Why pay cash when you can pay by plastic and get something back
>b-but it's just giving money to the JOOS

>chockfull of credit cards
In my above example, the card is the general purpose card. The second most used is the costco card for gas and groceries. The other two are left at home, with one backup stored in the recesses of my wallet.

This.

credit score is calculated quite differently around the world. your score is obviously made up by the same bankers who benefit from you living your everyday life on their borrowed money.
when i applied for loan to get my apartment i was told by the bank to pay down and end all creditcards. not that its illegal or anything, but i was young, medium income and no security. having creditcards on the side gave me a red light.

>we have more than 1 card so we can eran points and therefore buy even more stuff
america is trully cancerous

>>Euro's are scared of credit cards
Nobody said that?

>your score is obviously made up by the same bankers who benefit from you living your everyday life on their borrowed money.
How is this bad aside from some nebulous concept of "bankers bad"?
Credit cards offer protection, proof of purchase, and perks designed to lure you to use the money of Chosenite A instead of Chosenite B.
It's literally retarded to purchase with cash if you have the option not to unless you're buying illicit goods or services.

i never use cash i only use debit card. it has the same protection and gives the same proof of purchase. lets imagine you are buying something from me, would you make the money transfer from your pocket to mine right there and then, or do you really prefeer a greedy jew capabable of fucking you over to hand me the money and you being in debt to him? what if you for some unplanned reason cant make you payment in time?? Living in debt is always a bad thing despite your banks giving you "score" for it.