What cards do you have? What perks do you use? Likes/Dislikes?
I have a few cards: Chase Freedom - 5% Categories and 0% APR (for a few more months), usually only use this for teh 5% categories up to the max cashback, as well as paying wife's school since 0% for a few months
Costco Anywhere Visa - 4% on Gas, 3% Restaurants and Travel, All Costco purchases are 4% off with my Executive membership
My own Credit Union's card - really only if I ever need to carry a month-to-month balance (hasn't happened yet), like 7% APR permanent, first CC
Von Maur Store CC - 0% Interest, I buy most of my clothes from here so it works well for me
Bong here, our Credit Cards suck ass. I got an American Express Cashback, they gave me 5% for the first three months up to £100 worth. So I maxed that out as I needed to get insurance for the first time, all paid off before interest of course. It's 0.5% on any other purchases, and 1% after you spend £5000 in a year. If anything it will just help my credit rating.
Leo Hernandez
Credit cards are the ultimate key to be forever a jew slave.
If you had freedom you would need a visa >MUH FREEDOM OF MOVEMENT
Robert Torres
I get this is a meme, but do people actually believe this? Normal, non-tinfoil hat wearing crazies I mean. Credit cards, as long as you pay them off every month as I do, have from what I can discern zero drawbacks. Not even counting the cashback/other rewards, the extra layer between your bank and the vendor seems like it would be nothing but beneficial
Liam Peterson
But nowhere accepts American Express here, fellow bong
Carson Morales
Most supermarkets and restaurants do, online stores too obviously. You'd be surprised fren Or maybe because I'm in Essex, more Poz
Ethan Roberts
Been using debit/cash for 3 years now. Still a student with a part time job. Is "line of credit" better than credit card? I just want it for emergency expenses.
Jordan Diaz
I would recommend a (secured) credit card in your position. A line of credit is usually harder to obtain and often requires collateral. Usually these are used for large purchases.
I wish I had gotten a credit card sooner. Building credit is very helpful for almost anything you want to do after graduation. Needed for apartment rental, house purchase, car loans, etc.
Logan Thomas
Currently in my wallet: Chase Ink - 80,000UR Points after $5000 spend Amex Gold - 50000 Amex Point After $3000 spend
Next on my list is: United Explorer Card - 65000 bonus miles after $10,000 spend Capital One Venture - $500 credit after $3000 spend
