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Do these people not know how credit cards work? How is this concept hard for them?

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Check out Dave if you want to see some real povertymoments. These r-slurs will literally offer the app a tip after it loans them money :marseyemojirofl:

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:marseywtf2: why would anyone tip when getting a payday loan??

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Holy shit that last one. "5% monthly fee aint that bad". Thats 300 a year over a 500 dollar loan :marseymerchantsoy:

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I really dont understand how anyone gets stuck in a payday loan cycle for like 500 bucks. You can go open a credit card with a 500 dollar limit no matter how bad your credit is.

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Because they're fricking r-slurred.

I knew someone doing this shit for the measly sum of $300 and I just gave him the $300 so he could get out of that shit because I couldn't imagine him not fricking up his life with a credit card and he used the $300 I gave him specifically to get out of his pay day loan cycle to buy a fricking Switch.

:#marseyraging:

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Cant really help someone like that tbh

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if you've totally nuked your credit you'll only be approved for secured credit cards, where the limit is equal to the amount you paid to open the card. So you'd need to have $500 to get that $500 limit card.

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They don't want to understand. All they hear is "buy now, pay later" but only the first part.

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Something something black people and time something something.

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