budmanman said:

It takes brains to get possessions.

---

budmanman said:

You have to have a credit score, getting a credit score ever since 2008 requires brains.

---

Enlil said:

Your mother must be so proud of you.

---

Baby_Hitler said:

The bank talked me into getting a credit card for the first time several years ago.

I went 5 years without ever using it, so they cancelled it.

Guess I'm just too dumb to spend money I don't have.

---

PumpJackTeX said:

budmanman said:

You have to have a credit score, getting a credit score ever since 2008 requires brains.

---

Within 13 months I went from below 600 to getting approved by Toyota Financial for a 2024 hybrid with a 790 car credit score.

Previous to the 13 months I never had any credit and my score was always between 500-600

---

ballsalsa said:

Baby_Hitler said:

The bank talked me into getting a credit card for the first time several years ago.

I went 5 years without ever using it, so they cancelled it.

Guess I'm just too dumb to spend money I don't have.

---

It's good to have credit.  You don't have to carry a balance.  You can use it for something you normally pay for with cash like gas or some such and just take the cash and pay it off each month.  You'll avoid interest charges and as budman mentioned there may be benefits like reward points/cash back/ whatever that you can take advantage of. 

Naturally, the card companies are hoping you'll use it for something you can't afford and carry a balance for the next decade but nothing says that you have to do that.

---

Always pay the entire amount due never the statement balance

Enlil said:

Your mother must be so proud of you.

---

gopher said:

Enlil said:

Your mother must be so proud of you.

---

I saw a funny prank today

Get something someone would take when found, but doesn't cost so much that you don't mind throwing it away

and add a little tag to it that says "if found contact your mom, I'll pick it up tonight"

---