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this post was submitted on 15 Sep 2023
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Cars. You seem to buy cars like smartphones( actualy probably even worse since buying phone on credit dosent seem to be as common nowadays ) . If you can afford the credit payment for the card dosent mean you can afford the car. In fact why everyone buys stuff on credit cards in the US . It seems insane to me to go to debt for a stupid cofee.
I (european) pay everything with a credit card (where possible, which is every store except some small independent ones). Then, I pay everything back by the due date. Why? In addition to a free loan while my assets are invested, I get 1-2% cashback. Yay, free money.
What we have of credit scores doesn't depend on our credit history as in the US though. Unless you currently have unpaid debt there should be nothing negative in your credit report. As it should be.
At least in Poland credit cards dont seem to have the cashback option,which makes them even more pointless compared to debit cards.