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Joined 20 days ago
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Cake day: March 8th, 2025

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  • kkj@lemmy.dbzer0.comtoAsk Lemmy@lemmy.worldHow bad did I fuck up?
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    1 day ago

    If you’re buying on credit it by defintion means you can’t afford it and thus shouldn’t buy it.

    Buying it on credit doesn’t mean that that’s the only way you could buy it. I buy everything on credit, and I’ve paid about $50 total in interest in 10 years of doing so, a number far outweighed by the hundreds of dollars of rewards I’ve redeemed.

    Now, obviously the bank wouldn’t let me do this if not for the fact that people as a whole pay more in interest than they redeem in rewards, but that doesn’t mean that any given individual does.