>$13,000 in the bank
>13,200 in CC debt.
>Seasonal job ended
>moving in with parents
What would you do Jow Forums, pay off the debt or do something with the money?
>inb4 some crypto meme
Debt to savings perfect ratio
Andrew Roberts
Parker Morales
Michael Gonzalez
Credit card debt is not usually "good debt". In fact anything in the 6%+ range should be paid off
Sebastian Moore
is that a David Choe?
Parker Collins
I'd say 3% or whatever you can get for "safe" investments
Jace Ramirez
what a shitty drawing and a shitty waste of time
Eli Cox
Think of it this way. You have $13k. You can either pay off your debt with it and it'll be like you never had it OR you can actually spend it and put it to good use.
Isaac Baker
How do you rack up that much credit card debt? I have a credit card, but I pay it off at the end of every month
>banks aren’t going to jew me with high interest
>tfw 800 credit score
Ethan Jones
yes
Thats what i was thinking but with like what user?
dont think i can bear to do the crypto meme again.
im a minority i cant help it. Financial responsibility is for white people.
Caleb Martinez
why carry the CC debt with a ridiculous APR (assuming you have a ridiculous APR) and just take out a personal loan and pay that shit off in full and then pay fixed monthly payments for lower interest?
you need to learn how to use a credit card properly too
Parker Rivera
You don't actually have $13,200 in CC debt.
You actually have $15,840 if you don't pay it this year, $19,008 if you don't pay it next year, $22,8010 if you don't pay it the year after, etc.
Sebastian Jackson
Yes, reverse image search confirmed.
Love that guy
Owen Williams
oh wait... nvm.
nigger.
'splains it all.
stay hood rich.
Noah Murphy
>Debt to savings perfect ratio
>Debt to savings perfect ratio
>Debt to savings perfect ratio
>Debt to savings perfect ratio
>Debt to savings perfect ratio
>Debt to savings perfect ratio
Daniel Myers
It was some offer where it was like a 3% fee for a cash advance with 0% APR for a year. Its expiring now tho, so the interest is gonna be expensive. Most likely i'll pay off like 8k and transfer the other 5k to another CC to avoid ridiculous interest
hes pretty swell
I'm Colombian. Fucked up a little but i was risking that type of money for something that would have been worth it had it gone right. I dont mind spending money and I dont mind working hard to pay it off.
Everyone has CC debt tho, so who gives a fuck. Live a little user.
Christopher Clark
spanish nigger*
well it looks like you answered your own question there bud.
sure we may all carry a little bit of credit card debt, but not 13k. out of $45k worth of credit I have, my balance is $400.
Lucas Bell
so you're -400 and im -200. Does that mean i win user?
So anyway, what can i do with the money besides paying it off?
Was thinking about blackjack, but not sure if risking more debt is a good idea.
Hudson Roberts
how the fuck does someone get $13k in CC debt?
Isaiah Hernandez
How do you even end up with that much? I don't think the monthly interest will be worth it
Adam Davis
>Was thinking about blackjack, but not sure if risking more debt is a good idea.
Your an idiot
Levi Collins
pay it. Don't be in personal debt. Have you heard of interest payments? They will follow you till you kill yourself.
>T. debt free boomer