Word what i was saying what basically what you said. Dont pay it off in full. Pay the monthly minimums if your goal is to build credit. If you need the cards full potential available at all times then pay it off obv. But to build credit.. No

Oh ya.... Omw to slumberland. They got a 30% off sale going plus another 10% off items on sale. So 40% off. Gonna slide through factory direct as well and see whats crackin. Ashleys is the closest spot so ill holla at them omw back

but yo

credit is a design by the jew to keep yall down

don't buy into it

what do you need credit for? a house? rent one. a car? buy one.

just put money back and bury it in your yard

economics 101

no, geno is talking about keeping a continuous unpaid balance. not paying it off in full every month.

this is outright wrong.

BUT WHAT WOULD I KNOW ABOUT MONEY ANYWAY

If I didn’t have kids this is how I’d live fuck all of you

Gooooooone at just ride out monthly min payments


Use your credit card for all purchases every month, everything, to earn points (whatever specific card you may have). Let's use the example of $2000 per month, but then pay it off in full before due date when interest accrues

Rinse and repeat

Your actively using your credit, building your credit in the best way possible without paying tons of interest (which you will by paying only the minimum), all while earning tons of points

^ this

diode bet me on something

The couch, and matching ottoman obv..

https://imgur.com/a/PQBXOot

thats alright @Genocide ... shit looks kinda dirty but if ya in a small place the wrap around thing is dope.. I don't know at what point you are in ya life or where you live which would have to do with the space ya working with... looks kinda ratty though and I don't live in a nice place but a lil better than that


and @Diode quit playing me, not answering me and stuff from that movie can't remember what it is but its like "King on the hill king on the hill."

I grew up in a poor family, that had enough... but sometimes not enough I had the internet, thats how I talked to you lames.. dont take any offense none meant. Me and my syblings got bought new clothes every year.. nike shoes new every year for basketball season etc

we ate fine... and i'm guessing and projectecting on you I doubt we grew up in the same neighborhoods... but everything was fine we had everything we needed for the most part and better than most of everyone who was around us....

bought cars in cash, when we had a car...no credit involved so i'm realizing what credit is now... thats why I took all those cards out and I use each one of them and pay em off quick..... I just learned that I fucked up because taking a bunch out in a certain span of time lowers it

thats what my family always did and what i've always done too... minus the bury it in the backyard... my family (when I was younger)... got a car 2 grand for an old cutlass that'll last you 5 years from someone you know... no credit needed... but now we're in different times and i'm trying to set myself up for better.... 99% of these clowns with 30k cars arent driving them because they paid it in cash, they're paying 300$ a month... which is a lot to me, and they were able to do that because of good credit

thats why credit is important