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Something i noticed, is that a lot of luxury cards cater to military members, by waiving the fees. Beyond the fact i hate credit, and dont care much for credit scores, doesnt that defeat the point of a luxury item, if some E3 with a credit score of 700 can get a card that costs 500$/yr making 30,000/yr. Not saying they shouldn't but its kinda funny how luxury cards by themselves means nothing, its a useless ploy to spend more money, especially looking at the (((offers))) they give you to get made up points.

Something i noticed, is that a lot of luxury cards cater to military members, by waiving the fees. Beyond the fact i hate credit, and dont care much for credit scores, doesnt that defeat the point of a luxury item, if some E3 with a credit score of 700 can get a card that costs 500$/yr making 30,000/yr. Not saying they shouldn't but its kinda funny how luxury cards by themselves means nothing, its a useless ploy to spend more money, especially looking at the (((offers))) they give you to get made up points.

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Who the fuck even uses credit cards anymore?

If you have no money and use a credit card, then you're nigger-level retarded.
If you have money and use a credit card, then you're nigger-level retarded.

Use cash - or worst case scenario, debit cards (the free ones, attached to a free bank account).

...and no, using a credit card and paying it off in full just to rack up points and freebies isn't worth the 3.5% merchants pay in fees. ALL the products you now buy are 3.5% more expensive because that fee is just added on top of the price of the product.

Buy local, buy from small convenience stores, pay with cash.

If you buy online, pay with cash on delivery - it's safer anyway.