this post was submitted on 25 Oct 2023
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[–] fury@lemmy.world 34 points 1 year ago* (last edited 1 year ago) (17 children)

These fees are how they're paying for your airline miles and cash back bonuses.

Personally, I'm perfectly fine without a credit card. I don't care if I'm "giving up free money" because I know this is where it's coming from.

[–] ubermeisters@lemmy.world 43 points 1 year ago* (last edited 1 year ago) (4 children)

That's what I thought...

Until I wanted to be an actual adult, and realize you can't be an adult without a good credit score anymore. Can't even get housing without it now.

I fucking hate it. Being a captive customer for LIFE just to prove when you need to, you can pay back some charges. It's insanity.

So I have a meager credit line now, and I pay for thing on it, and pay them off, like a good boy. Maybe someday I'll be able to prove to a company that I'm not a shitbag, and they will let me purchase a home. Assuming I can ever afford that ( not at current trands...).

[–] rchive@lemm.ee 2 points 1 year ago (2 children)

If you have enough savings, sometimes they don't even look at your credit score and history.

[–] mojo@lemm.ee 1 points 1 year ago

If you have enough savings, you're smart enough to know to use a credit card

[–] June@lemm.ee 1 points 1 year ago

Which is a more privileged position than having the ability to be ‘smart’ with credit card usage…

The primary reason not to have a credit card is if you will use it as an actual line of credit in any situation other than an emergency.

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