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Just looking for input...

I have a few cards that I was using for things like Amazon or whatever so I didn't use my debit card online, and long story short, I made bad decisions and they're now payments that I would rather not have. I am not specifically trying to nigger my way out of consequences of my actions, but I am more tired of being a debt slave to usury.

I own a house (mortgage is active), two cars that are 100% owned, and a dozen cards with only two of them being the subject of this post.

What would the potential fall out be, if I cut them up and walked away? I get the bad credit score - that game fucking sucks anyways and I am tired of playing it.. So then what? I have to pay for things in cash from now on? Any emergency money that I potentially would need at an immediate time that would be a loan that would what, be a higher APR or need collateral or something?

So I can scrape for 5 years and pay them off, Dave Ramsey style, or walk away and not have great credit for 7-10 years? Also, if some world war starts, who needs credit cards anyways?

Just looking for input... I have a few cards that I was using for things like Amazon or whatever so I didn't use my debit card online, and long story short, I made bad decisions and they're now payments that I would rather not have. I am not specifically trying to nigger my way out of consequences of my actions, but I am more tired of being a debt slave to usury. I own a house (mortgage is active), two cars that are 100% owned, and a dozen cards with only two of them being the subject of this post. What would the potential fall out be, if I cut them up and walked away? I get the bad credit score - that game fucking sucks anyways and I am tired of playing it.. So then what? I have to pay for things in cash from now on? Any emergency money that I potentially would need at an immediate time that would be a loan that would what, be a higher APR or need collateral or something? So I can scrape for 5 years and pay them off, Dave Ramsey style, or walk away and not have great credit for 7-10 years? Also, if some world war starts, who needs credit cards anyways?

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[–] • 1 pt

I got cards years ago to get a credit score and reap the rewards from them. I've never paid any interest because I pay them off every month. I've earned thousands in rewards.

[–] • 1 pt

This is the part some people seem to struggle with. You just use the card for the benefits, you never ever carry a balance on a credit card month to month.

You maintain an interest-free grace period on all your purchases so long as you always pay the full amount by the due date. I even queue up the payment in advance for 1 day before it's due.

If you're going to live in clown world you might as well use your credit instruments correctly so you don't get kiked.

[–] • 0 pt

The real clown world approach is to put a lot of debt on cards then walk away, or get low-interest loans and pay them back years later once inflation has hit and you're basically paying back less than the loan amount. But I'm not jew-y enough to do that as it's just playing games with numbers not producing real things of value.