{ "media_type": "text", "post_content": "Colleague, condescendingly: \"uh, I don't have any credit cards. I live within my means.\" Uh, I live within my means too, buddy. I just get some points/cash back in doing so 🙄💰💰💰", "post_id": "576bddb14ff20a0e00ea061e", "reply_count": 22, "vote_count": 125, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Colleague, condescendingly: "uh, I don't have any credit cards. I live within my means." Uh, I live within my means too, buddy. I just get some points/cash back in doing so 🙄💰💰💰

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Has he ever heard of building up a credit score?..

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That's surprisingly a pretty common misconception among our peers and older generations. They do have a point though in terms of overspending because of the credit cards, I noticed I spend 25-50% more now that I mainly credit cards.

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Homeboy will never be able to buy a house/car/anything of importance with no credit 👋🏻

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Probably a Prius driver.

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How do they rent a car, stay at a hotel..

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@d4 lol

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More like "I don't understand how credit cards work" or "I don't have any self control"

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He is probably around mid 30s

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I literally have more money in my account than my credit limit

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He lives within his means. Tents don't have leases

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I just use cash for everything like 💵💵💵💵💰

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Credit cards enable overspending. Not worth the points. Open card for credit if you feel that's necessary but don't use.

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Probably a Dave Ramsey follower

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What a muppet.

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Yeah I still used my debit card my first ~3 years out of undergrad (I was not a traveling consultant at that time so did not understand points = everything). It was dumb of me but I still would not have been condescending about it.

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Regardless of points, it's wise to keep your money available and spend on credit (within your limits of course) and then pay back when it's due (no carrying forward or paying interest to the card company).

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I enjoy over spending, so credit cards are great

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Me too @d5

Nahh, SC1, I just like to make it rain.

I like that one PwC2

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