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I love this thread...
I want some of you to tell me how to justify borrowing money is better than saving up and buying with cash....
I want some more of you to tell me how that credit card you value so much is changing your life for the good.....
I don't have any debt ZERO NADA NONE everything is paid for, every last penny of my paycheck goes into the bank.
Credit is to let broke people buy shit they can't afford to impress other people...
My credit score is 0 and I can get a loan if I wanted it with a 0 credit score far easier than others can with a 700...
Why?
Debt to income ratio + Bank account
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