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Incel trait: You dont use credit card

ovER for poorcels
 
I do, you get rewards and it’s a great way to improve working capital.
 
Yes,having a cc is a fakecel trait,trucels only have dc
 
Yup, only have some cash
 
I've never had a credit card and have no intention of ever having one.
 
I live in the Netherlands (Moggerlands) only a minority of people here use credit cards. Unlike basically every other country in the world credit cards haven't become the rule here, even millionaires often don't own a credit card here.
 
No one in their right mind would give me credit.
 
I used to not but learned to, to make use of the 0% apr plus points boost. U can use 0% Apr to invest money in bonds and other shit. then pay back the credit Jews before get interest raped plus have your investment repaid via bonds with some extra $.
 
I do, you get rewards and it’s a great way to improve working capital.
Amazon straight up gives 5% back, which is very good especially if you are like me who spends $500-1000 monthly on Amazon consistently. 12000 * 0.05 = $600 in rewards!
 

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