this post was submitted on 15 Feb 2024
1717 points (98.5% liked)
Microblog Memes
6028 readers
2057 users here now
A place to share screenshots of Microblog posts, whether from Mastodon, tumblr, ~~Twitter~~ X, KBin, Threads or elsewhere.
Created as an evolution of White People Twitter and other tweet-capture subreddits.
Rules:
- Please put at least one word relevant to the post in the post title.
- Be nice.
- No advertising, brand promotion or guerilla marketing.
- Posters are encouraged to link to the toot or tweet etc in the description of posts.
Related communities:
founded 1 year ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
Having/using a credit card needn't cause you to pay a cent more than not using one.
If you just put on a credit card what you'd be buying in another way anyway, and then pay off your statement balance each month on your due date, not only do you not spend a single cent more (you'll never get charged interest this way), but you continuously build credit. The only difference will be that instead of paying for stuff the moment you buy it, you pay for all of your month's purchases all at once, at a later date.
I've never paid a cent of interest on any of my credit cards because I've done the above, and my credit score is over 800 as a result, today.
I get that and if automatic payments had been a thing when I was younger, I would have gotten a credit card back then. At this point, it's moot because I won't be working for the foreseeable future as I work with my daughter who is going through online school.