>tfw no money

>going into debt for a fucking toy
you're going to regret that

How the hell did you manage to get a bumper for a nexus 4? eBay scalpers bought all the stock because Google was too stupid to limit the number you could buy and it was obvious from the start that they weren't producing much of anything.

#swag #yolo

>>32137523
no
2 toy

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>>32137494 (OP)
You're at the lowest of the society

>>32137523
>signing up for a 2 year 4G contract

Smart people know that debt isn't always a bad thing. Stupid people look at the sticker price of a product and ignore everything else.

>>32137532
Uh I got this
http://www.amazon.co.uk/Poetic-Borderline-Bumper-Google-Warranty/dp/B00AG0D52O/

>>32137588

Oh lol, I bought one of those too. It started falling apart in 1 week.

>buying obsolete technology

Do you have enough money to pay for them now or in the very near future (as in, a week or so)?

If yes, then good for you.

If no, then cancel/return the order as fast as possible before you screw yourself over for a very long time.

>>32137603
Just like the n4 itself xD

At least we got google warranty apparently

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>>32137567
>It's now ok to be in debt

>>32137603
>started falling apart in 1 week.

Should be a good match for the Nexus 4 then.

>>32137567
>Smart people know that debt isn't always a bad thing.
Please explain how being in dept (especially if you can't pay it back) isn't a bad thing.
Besides, you often end up paying far more if you spread the payments out than if you pay for it all straight up.

Are Americans really this dumb?

Had a credit card for years, seldom use it.

>>32137616
>android 4.2.2 is obsolete
Yeah a bit worried about tegra 4 but I can overclock it

>>32137663
He means that most dumb people prefer to pay $1000 over 2 years than $600 in 1 payment

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>>32137640

I've dropped my N4 a couple of times already, no problems yet.

>>32137631

Yes, yes it is. How do you think businesses grow?

Learn some self control, credit cards are only dangerous if you're a complete retard.

>>32137667
depends, my father uses his for pretty much everything but he has the money to pay it off once the end of the month hits. a friend of mine is being retarded and buying up a ton of trash like games and saying "hurr I'll just pay if off in 18 months, no problem."

>>32137724
You just went full goyin.

>>32137724
>Learn some self control, credit cards are only dangerous if you're a complete retard.

>Fuck I can't control myself

OP is a winner.

>bought me a credit card
>bought
u wot m8

>Buying an android phone
>AND tablet
The only proper android phone is a find 5
You're going to regret it so much

>>32137724
>>32137494 (OP)
>>32137567

This is why credit cards should be banned in USA.

http://en.wikipedia.org/wiki/Financial_crisis_of_2007-2008

>>32137754
but >>32137724 is not me (OP)

And I technically can't go in debt because I can always get a couple thousand from family members if I'm really in trouble (But I still have more than €2000 in money that I can spend no problem)

>>32137667

If you have good credit and pay it off every month, then credit cards are a fantastic deal for buying most everything with. A good credit card will give you purchase protection, warranty extension, let you arbitrate purchases, and give you cash back. Also, you get a nice list of the money you're spending that you can import right into your app of choice.

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>>32137663
>implying getting into debt that you can't pay back is how to use a credit card

Yeah, in your case I might recommend sticking to debit cards.

>>32137805
chinese shit
lol
who the fuck is oppa

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>>32137828
>I can always get a couple thousand from family members

Wow that's a very childish way of thinking. How non-independent. Do you really consider yourself a man when you're still sucking on the teet of your mothers breast?

>>32137830

B-b-but I might "accidentally" buy a bunch of shitty toys that I can't afford! I'd be ruined!

>apply for credit cards as a student with all of school being paid for by scholarships
>declined every time
>can't build credit

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Truely an Amercian thread.

>>32137494 (OP)
>>Mom finally bought me a credit card
........WHAT?

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Good goyims buying a credit card to furthermore buy useless shit

>>32137882
oh god I'm so retarded hurr
>>32137875
it is, I'd be saving that shit if I were him. well, after I bought a few things. I need some cars parts and a new office chair would be nie.

>in college
>get checks from relatives
>rip them up
>live on ramen noodles

They haven't noticed yet, or at least haven't said anything.

>>32137930
>>32137893 here,
banks don't even want to give me a credit card. Do I have to turn in my American citizenship?

>>32137893

Get a secured credit card and pay it off every month.

>>32137971
I get denied for even the cards you have to pay an upfront collateral on. No one wants to give me a credit card.

>>32137899
>racism
literal shitskin detected

>2013
>being non white
YGSIU

>>32137930

The plural of goy is goyim, go back to sun tanning alongside drowned gypsies, yuropoor scum.

>>32137971

This

>>32138017

What's your credit score?

>>32137952
>literally throwing money away
based retardbro

>>32138047
N/A. I've never used credit.

>>32138017
I got one 3 years ago in the 6 month period that I worked at some shitty factory, they gave me a possible 1000€ credit which is now at 5000€ and I'm a poor student

>>32137875
did you read the rest of my post?

>>32137952
>not properly investing that money and then giving it back to them after maturity (of both the money and yourself).

>>32138083
I've got a big fat $0 income though. All of my school shit is paid for by academic scholarships.

>>32138063
Do you have a relative with good credit who would co-sign with you?

Did you ever ask why you were declined, or did you just do the 'well, fuck a duck' thing and actually look into it?

>>32138110
I asked, and they all said (that weren't online applications) that it was the lack of a credit history.
All of my relatives have shit credit scores.

>>32137631
Well, a little bit of debt IS a good thing. It builds your credit rating and makes you look good if you ever want a mortgage or car loan or something.

>>32137494 (OP)
>bought a credit card
>bought
>credit card
u wot m8

>>32138063

What was the name of the product you applied for that denied you? You sure it was a secured card and not something else?

Also myFICO forums have a lot of good info on building up credit. The whole thing is a scam designed to sell their credit reports, but until Saint Elizabeth single handedly reforms the consumer finance system, playing along is the best way to get favorable terms on any future loans.

>>32138104
no income? PERFECT lets get you onto the 12month no interest plan, after that it goes up to 407.67986348% but don't worry about that goy you'll be fine.

>>32138017

The only way you can get denied for a secured card is if they think you have outstanding liens. Get your credit report, and call the companies who've reported you to either settle up or challenge them. This can include things like unpaid utliity bills, taxes and rent, not just bank loans.

>>32137567
It's okay to be in debt for a house.

Not for a fucking phone.

>>32137567

Credit card debt is always bad.

>>32138162
Never paid utilities, never paid taxes (turned 18 last October), never paid rent on anything, never had a loan, nothing. It's as clean as late as possible.
>>32138144
Usually big banks.

>>32138189

No. Not having or regularly using a credit card lowers your credit score. Go back to personal finance 101.

Why the fuck do you need two?

reminder

http://xkcd.com/947/

top fucking lel

>>32138213
That's a system designed to keep you in debt and should not be the norm.

>>32138197

"Usually big banks" is not the name of a product. I second the other guy's recommendation to get your actual credit report (not the shitty free one), and look into a secured card. The whole point of a secured card is they can't lose money even if you flee the country. There shouldn't be any reason to deny you one short of circumstances you'd already be aware of (beyond basic negligence/ignorance, which seems to be your issue).

>>32138213

Using a credit card is good, leaving a balance on it is not. Maxing the card out to buy toys you can't afford to pay back is worst of all.

>>32138248

Go cry about it to the CFPB, in the meantime I suggest you come to grips with reality and accept that by being "edgy" you'll probably be a renter for life, unless you have wealthy parents.

>>32138255
Yeah, I've never used a credit card in my life. It's hardly necessary, but I just feel like I should try building up credit.

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>>32138269
>implying I live in a shit country where this is the norm

>>32138265

Again, the possibility of irresponsible usage is not a valid reason for not having a credit card. Learn some self control.

>>32138292

I never said you shouldn't have a credit card fucktard. I said that having credit card debt is bad. Possession of a card does not imply debt.

>tfw Citi Forward card
>tfw no interest for first 12 months
>tfw bought books for school and already earned enough points for $100 Amazon gift card
>tfw paid no interest
>tfw free money

What person doesn't enjoy free things at the expense of idiots who don't pay their balance at the end of the month?

>>32138316

Correct, but usage of a card does imply debt. Fucktard.

>Be european
I have no clue what you muricans are talking about, a bank lent me €110000 for payments over a short amount of 40 years and I only had a credit card for ~3 years

>>32138213
>credit score

why do you need this? Oh yeah, because you're a fucking retarded dipshit nigger WHO WANTS TO INTO DEBT

>MUH HOMES
>MUH OVERPRICED UNNEEDED CARS
>MUH MASSIVE CRIPPLING DEBT
>MUH MURRIFAT DREAM

>>32138269
It's not being edgy, it's being a sane intelligent human beings.

>>32138328
>Correct, but usage of a card does imply debt

I.N.C.O.R.R.E.C.T.

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>>32138328

Really? Strange, I use my card frequently and I don't have any debt (actually I don't have any debt at all right now).

>>32137835
Look at OP, and a lot of other people. That's exactly what they use their credit card for.
I don't really spend that much money though, so I always have a lot in the bank.

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>>32137494 (OP)
>Fuck I can't control myself
Ask your mother to suspend your card, Lindsay.

>>32138269
>renter for life
>being a literal fucking poorfag untermensch
>not making 6 figures by the time you're 24

YGSIU

>>32137567
>its okay goyim, its okay to be in debt
>here buy this 4g plan
>its okay

G-g-guys
Debit card

>>32137494 (OP)
I wonder how you're going to pay that credit you sad piece of shit.

>>32137494 (OP)
Are you American by any chance?
Because only in America people are stupid enough to get credit cards for their kids.

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>>32138362

When you use a credit card, you are temporarily borrowing from (i.e. going into debt to) the credit card issuer. I suggest you re-read that sentence next to the signature line of your receipts, you know, the one where you agree to pay according to the card holder agreement that you also didn't read?

>>32138363

Good job.

>>32138380
I fucking wish, can't find a decent debit-card in my country

>>32137534

Don't you mean #holo?

>>32138398
why are you calling me sad
i'm pretty happy with my new devices

>>32138352
And what should someone do instead of buying a house? Renting? That's pissing away money for something you will never own.
And apartments in the US are overpriced shitholes these days.

>>32138440
> That's pissing away money

CONFIRMED

FUCKING


RETARD

>WHAT ARE TAXES
>WHAT IS UPKEEP COSTS
>WHAT IS THE INTEREST ON THE DEBT YOU TO HAVE PAY

B-B-B-BUT THAT'S NOT THROWING AWAY MONEY EX FUCKIGN DDDDDDDDDDDDDDD

>>32138429
>borrowing from (i.e. going into debt)
A
AASHWHAHAHAHAHAHAH


WRONG

IT'S NOT DEBT IF YOU HAVE THE RESOURCES TO PAY IT OFF AT THAT TIME YOU DOUBLE NIGGER

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>buying a bumper

Why would you pay so much for a 10 cent piece of rubber?

Surely it isn't for all that extra protection you think you'll get.

>>32138471

What are you paying off? I thought you said you don't owe them anything.

>>32138269
Correct me if I am wrong, but isn't you the one trying to be edgy with the whole "being in dept is cool now"?

Maybe I am just crazy, but I don't want to be in debt if I don't have to. That's why I think it's stupid to be in debt for things like a mobile phone or a tablet.
If it's for a house or a car then I think it's justified, because in a worst case scenario you will have to sell it. With a phone, it will drop to half the value in a year.

>>32138485
Lets say i have 50,000$ in the bank

i have a credit card

i put 1000$ per month on it

i pay it off

i have NEVER AT ANY POINT IN TIME DURING THESE 1000$ GONE INTO ANY DEBT.

>>32138506
>>32138485
>>32138471
daily reminder debt is defined as the equation (your total net assets - your total net amount owed) being a NEGATIVE NUMBER.d

>>32138455
>Pays hundreds of dollars per month renting
>Pays hundreds of dollars per month after getting a loan for purchase
Years later...
>Still paying rent, and if the renter wants to move they get none of their money back
>House paid off, if the owner wants to move, they get a sizeable chunk of their investment back

What do they teach you in grade school?

>>32137899
Australia surpassed the U.S. in percentage of fat people.

>>32137567
>Smart people know that debt isn't always a bad thing.
Oh jesus.

Some one didn't pass Sophomore Financial Literacy.

>>32138519
it's an inequation

tAssets - oAssets < 0

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>>32138368
B-b-but... I-I can't... One part of me wants to stop, but the other part just wants me to keep spending and I can't overpower it... I don't know what to do...

>>32138531
now calculate all the taxes you have to pay and maintenance costs, as well as utilities (most apartments include these) :^)

>>32137675
>android 4.2.2 is obsolete
Are you one of those people that think that just because there is a new version of some software, that means that the previous software is obsolete?

>>32138570
the answer is clear, buy a surface pro

>>32138499
I think using a credit card for a phone or tablet or anything really, is fine-- providing that you're able to pay it off in two or three payments. But too many people are retarded and max out their credit cards buying whatever they want, leaving them thousands of dollars in debt that never goes away because of interest. I don't think credit cards should be given to the common man, too many of them are too stupid to use them logically.

>2013
>buying a massively overpriced home because you're told to
>b--b-but it's muh murrican dream

>>32138571
Renting will always be worse off than having a mortgage, unless you move around a lot.

Even with taxes and maintenance costs included.

>>32138506
actually yes you have. being in debt is owing money to someone else, just because you have the resources to pay that debt in a timely manner does not make the debt not exist. also that's not exactly a wise usage of your money.

>>32138499

You're confusing the controlled use of debt with the colloquial "getting into debt" which makes it sound like all forms of debt involve getting evicted from your home because you spent all your money on toys. This is the same thinking that holds credit cards as being dangerous because some people get into trouble with them. By that logic, we should just ban alcohol too.

Buying a $400 mobile phone on a $30 no contract monthly plan (which is what most N4 users are doing) is a much smarter choice than getting a "cheaper" phone that comes with a mandatory $90/month data plan. Even with interest payments, which I don't normally condone, op made a better choice than getting a contract phone.

>>32137830
All to perpetuate the debt circle. Have fun spending money that you don't have.

>>32138578
Yes, like OP seems to be.

>>32138506
>I put $1000 on a credit card
>I was never in debt

Are people really this financially illiterate?

I always knew that if I ever got a credit card, which I plan on getting two - one for business and the other for home-use - I would make sure that anything I would buy I would already be able to pay for the next month. Why you ask? Because credit cards aren't about invisible money, or loans at all for that matter. They are solely for building credit, that which you can use to buy lifelong things with, such as a house.

>>32138593
lets see your numbers

>>32138643
>i literally don't know what semantic drift is

based retardbro

debt in the modern day means "owning more money than you can pay back"

otherwise literally everyone is in debt you fucking retard

>muh semantics
>muh autism

>>32138594
I am just going to help you a bit by posting the definition of debt taken from different dictionaries.

>debt [det] noun
>Something that is owed or that one is bound to pay to or perform for another
>An amount of money borrowed by one party from another.
>An amount owed to a person or organization for funds borrowed.
>Something owed, such as money, goods, or services.

Just because you can pay back does not mean you aren't in debt. If I load 5 bucks from someone, then I have a debt of 5 dollars to that person, no matter if I have thousands of dollars in the bank.

>>32138662
http://www.nytimes.com/interactive/business/buy-rent-calculator.html?_r=0

Simple. If you move a lot, rent. If you tend to stay in one place, mortgage and buy to get a house for collateral.

>>32138685
>someone helps me with something at work
>"thanks bro, I'm in debt to you"

Semantic drift can be a real bitch when asking a coworker about something means they own your eternal soul.

>>32138685
>otherwise literally everyone is in debt you fucking retard

does not know what literally means

>>32138705
Think about the phrase "I am indebted to you"
You can pay it back, but you acknowledge nonetheless that you own that person, that you are in their debt.

>>32138721
>1.32% property taxes
HAAHASHAHAHAHAHAHHAHAHAHAHAHAH

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>>32137616
>mfw I'm still using a Galaxy S2
>mfw Jelly Bean runs great
Holy shit, what a great phone. LTE would be nice, though.

>>32138747
>literlaly is this much of an autist that he can't accept what literally means

time to literally eat your words shitlord

https://en.wiktionary.org/wiki/literally

>>32138721
>DOESN'T TAKE INTO ACCOUNT MAINTENCE COSTS

literally ignoring the biggest hidden cost of "imma buy a home xDD"

>>32138599
Yes I think alcohol should be banned, so that's a bad example.

I am not saying that credit cards are horrible and nobody should use it, but OP seems to be one of those people who shouldn't have one.
Also, like I said before I don't want to be in debt if I don't have to. So if I have to pick between getting a phone today and then be in debt for 1 year, or wait a few weeks/months and then get it without going in debt, then I pick the latter. Why? Because something might happen which will either reduce the amount of money I get, or increase my expenditures. If I then have debt, then I might not have enough money to pay that, and the debt will increase.
That's how a lot of people end up with huge debts. I often watch this program called "Lyxfällan" which is a Swedish show about two experts going around and helping people with huge debts. Almost every single one of them have, and happily uses a ton of credit cards. It's really interesting to watch how and why people end up in debt. It's often their own faults, but sometimes it is because of things which could happen anybody.
You should be very careful about how much debt you get.

>>32138721
oh i found out why it's bullshit

>1100$ / month rent

top fucking lel. easily between 50, max, 75% of that number.

>>32137616
>>32138781
>tfw I's using a galaxy S I9000
>tfw Jelly Bean runs great
fucking people wasting money man, a battery that would last 2 days would be nice, though

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>>32138804
>I think alcohol should be banned

Stopped reading right there. Have fun with your delusional ideas about reality

>>32138685
>debt in the modern day means "owning more money than you can pay back"
No it doesn't... I have already posted several definitions of what debt is if you're interested.

>>32138817
Where the hell do you live? I live in a 1600 sqf house with a detached 6 car garage/shop and attached two car. Mortgage was $150k

Rental space like this would be out the damn roof in terms of pricing.

>>32138804
>Yes I think alcohol should be banned, so that's a bad example.
Seriously? Are a fascist or something? Do you want to take away our guns next?

>>32138845
Well OK I don't think it should be banned since it's already legal, and banning it would just create a black market and be unpractical.
I think the better word would be "I think it would have been best if it had been banned several hundreds of years ago, and people had accepted that". The same goes for cigarets, and all harmful drugs.

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>>32138570
Sorry, not rich enough to know that feel.

>>32138893
>Do you want to take away our guns next?
I live in Sweden where barely anyone owns a gun, except people who use them for hunting.
In the US, it's the same deal as with alcohol though. I would be very happy if it had been banned a long time ago and people had accepted it.
Outright banning it now is not a good move though.

>>32138894
We tried banning alcohol once and we all saw how that went down.

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>babbys first troll thread

>>32138894
I'm for making everything legal and just taxing the shit out of anything with lots of negative externalities

>>32138980
>I'm for making everything legal
Sounds good.
>and just taxing the shit out of anything with lots of negative externalities
But taxation is extortion. I'll just refuse to pay my taxes, since that's legal now.

>>32138941
I'm on the opposite side of the spectrum, where I believe that if you legalize everything, use will peak, then eventually it will slowly go down all around. And people will practice in a safer way too.

>>32138781
Well hello there, Sebastian.

>>32139058
>I'll just refuse to pay my taxes, since that's legal now.

Yeaahhhhh. Good luck with that.

I just got a bank credit card with a $500 line and a amazon store card with a $400 line.. which is pointless because the 600$ and having a year to pay it off is what I wanted ;_;

>bought a credit card
what the fuck am I reading?

>>32139126
A man can dream ;_;

>>32139181

Or move to Somalia.

>2013
>Credit cards
I thought the recession had taught you something.

>>32137631
VINTAGE BASED DUANE.

>>32137811
Um no that would be the opposite of freedom, silly European.

Just because dumb people don't know how to use it doesn't mean it should go away, you like gnu/linux yes?


I for one enjoy my credit card, building credit on things I would normally just pay cash with. I get my product or service AND I get credit for it.

>>32139181
when you fail to pay your taxes, we all lose

>>32139181
sounds like someone has been reading civil disobedience

>>32139358

I don't recall that particular Ayn Rand masterpiece.

>>32139205
It taught us that using a credit card is a great way to get free money and perks if you're not a complete fucking retard.

>>32139451
>free money if you are not a retard
>everyone has future predicting capabilities

>>32139520
>Buy $5000 worth of bills from the US mint
>Free shipping via USPS
>2%-5% cash back using credit card
>Get $5000 worth of cash
Only had to pay $4900

>>32139598

Before the banks caught on, people were doing that with those 'convenience' checks the CC companies sent out:
>Write check for most of credit limit to self
>Deposit in bank
>Pay off CC bill for check immediately
>Pocket cash back.
>Repeat until they stop sending them to you

>>32139423
thoreau actually

>>32137616
>tfw using a HD2
>tfw 4.2.2

>>32139746
The difference is this method still works and won't likely be abused much since you need to buy massive amounts of cash to get any sort of decent return.

>>32139860
I know this feel. It's a bretty damn nice feel.

>>32139869

Nah. Those checks generally now have a 2% or so 'convenience fee' tacked on to them specifically to prevent this technique.

>>32139961
Who the fuck said anything about cheques you dumb American.

>>32139205
people who are responsible with their credit cards are doing pretty good right now.... My parents have had a credit card for a very long time and they make it a point to completely pay it off every month..
my dad tells me their credit rating is so good, they could buy a house with their credit card

The n4 is amazing I've had it for a while now

>>32140012
um no one is talking to you

>tfw my credit report goes back 10 years before my birth

>>32137930
Okay, I never asked before, but what the fuck is up with the pingles/bear face?

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>>32140241
GOOD GOYIM
ASK ABOUT SURPDO AND BE CUTLIRALLY ENRICHED

>>32140241
gooby pls meme xD

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>>32140241
It's spurdo :DDDDDDDDDDDDDDDDDDDDDD

>>32139598
>buying bills
>us mint

i think you meant $1 coins

>>32140380
nigger
niggerniggerniggerigger

>>32140309
What do you people think that cartoon bear sounds like?

>>32137494 (OP)
>nexshit 7
idiot

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>>32140529
Have you ever played DOTA 2? There is a character on it that is exactly what I think he would sound like:
http://www.dota2wiki.com/images/c/c0/Tusk_battlebegins_01.mp3

>>32140380
In Canada, we call that a "loonie".