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  • KissingerFanBoyNoCarp : Jew doesn't understand why people are against usury
  • BirdTurkler : linking this for posterity: https://rdrama.net/post/158340/pizzashill-made-a-post-a-few

Got into a fight with redditors over credit card interest rates

They were literally complaining about CC interest rates.

I asked why you would ever pay interest on a credit card.

This seemed to infuriate one redditor that declared some people don't have the money to pay their balance off.

Then why did you spend it, autist?

216
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i had a clerk ask me what the APR on my credit card was and i was dumbfounded. i genuinely had no idea. do people really just pay 20% extra to buy stuff they cant afford? i cant imagine

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Apparently they do lmao.

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People don't. Redditors do though

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https://youtube.com/@CalebHammer/videos

This guy's gone to 250k subscribers in less than a year just by putting them on camera and asking them questions :marseyxd:

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Why do these redditors go out of their way to get roasted by this king?

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They probably get a small sum of cash (which they are desperate for) as well as their minute of internet fame


https://i.rdrama.net/images/17105354613258007.webp :#marseyhomofascist: https://i.rdrama.net/images/17105354613258007.webp

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I unironically emailed him to see if he wanted to interview me as a homeless trans(port) person.

Apparantly being a debt free trucker with 100k in the bank isnt what he was looking for. He only interviews losers in massive debt

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darn $100k cash, that rules.


Follower of Christ :marseyandjesus: Tech lover, IT Admin, heckin pupper lover and occasionally troll. I hold back feelings or opinions, right or wrong because I dislike conflict.

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Its not cash tho just 401k and a stock account

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still :marseyking:


Follower of Christ :marseyandjesus: Tech lover, IT Admin, heckin pupper lover and occasionally troll. I hold back feelings or opinions, right or wrong because I dislike conflict.

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He bought subs. The fatty was floundering under 50k for so long and suddenly his sub count jumped while his view count stayed steady.

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:marseypirate: : Argh, matey! What does it matter how many subs the fat man has? His views are the important thing, and it's plain as day that he's been floundering for a while now. He probably bought those subs to try and make himself look more popular than he actually is. Just ignore him and he'll go away.

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A while back a coworker told me he was saving up for a vacation. Turns out that by "saving up" he meant that instead of paying the minimum due on his maxed-out credit card, he was paying it down enough to be able to charge the hotel and airfare while staying under the limit.

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Why do people live like this? I was talking to a friend/acquaintance and he was telling me how he just paid off all his maxed out credit cards, so now he could start spending again. Literally the first thing he did was go and buy an 80" tv. He lives in an apartment, i have no idea why hed even want a tv that big.


From my heart in ink still bleeding: have this comment. Thanks for reading.

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Some people see credit cards as basically free money for a subscription. Pay $230 a month (minimum payment) and get access to $10k or something. Use it all up? Fill out another application for another $10k ez. Just another few hundred bucks out of the paycheck.

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Its wild, this guy isnt someone id necessarily describe as dumb either. I guess its just poor impulse control.


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this guy isnt someone id necessarily describe as dumb either

Duh. Which one of you has a house full of cool stuff?

It's funny watching wagies cope about "financial responsibility". All you need to do is convince your CC provider you can make minimum payments and they'll let you leverage your finances massively to live well. If you decide to stop paying you can just declare bankruptcy, because they can't take money you don't have and debtors prison doesn't exist any more. Meanwhile the "responsible" people are having their savings decimated by inflation caused by creditmaxxing chads :marseylaughpoundfist:

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My tv isnt 80" but i have several cool knickknacks and a yoyo


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Sorry :marseymanlet: but if your TV isn't 6' or better I'm not interested :ma!rseyindignant:

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Thats fine ho ill take me and my yoyo elsewhere

https://media.giphy.com/media/l4KhWS8ctALy0v9GE/giphy.webp


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This is why I.m about to drop 5k on a pc I. dont need. Someone in my family is about t.o get a free 2 year old gaming rig

Trans lives matter (trans lives dont matter)

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Darn, I still playing on 2014 32inches tv 1080p tv my mom bought me for 400 euro. See zero reason to even upgrade yet I have friend who buy new 50+ inches tv every 2 years.

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Idk about prices in eu but those cheap tvs frick up really often it seems like. I had the same HD tv my parents got me for my high school grad for like 10 years, i bought a 4k OLED a couple years ago for like 2k, im hoping itll last me 8 more years at least. I dont know why people get shit just because its new.


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Ps5 can’t even handle 4k and they selling now 8k tvs :marseyxd: the only good thing on my living room 4k tv is that it has ok processor and can make some kind of dlss so playing a ps3 game it can improve fps and resolution.

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I got an xbox this gen, it seems like it does 4k pretty well. Does ps5 lag or something? I honestly dont know shit about the tech lmao, i just know ori and the will of the wisps looks stunning on my the 4k OLED. The 4k bluray player fricking sucks though, i had to buy a seperate one.


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Console doesn’t do real 4k in almost every case, and there are often hilarious moments like octopath traveler 2, that game looks like it was made for snec and ps4 version of that game runs better on ps5 than the ps5 version because ps5 version tries to run the game in real 4k but ps5 ain’t powerful enough. Most “4k” games is just upscaling or creating fake pixels. https://www.psu.com/news/guide-ps5-enhanced-games-list-every-ps4-ps5-game-with-enhanced-graphics-modes/ A list of games that have some enchantments for ps5 and as you can see there is barely any game with native 4k (if it’s not written native 4k than it’s mean the game is not real 4k) in Xbox series it’s the same case. Consoles cpu and gpu are to weak for real 4k and even newest pc GPU’s struggle with 4k 60fps ray tracing so we are 10+ years away from 8k resolution in 60fps new games

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Lmao darn this shit is so confusing to me every time i learn more about it. Same shit has happened with my 4k blu rays. I tried to find a list of xbox games that run native 4k and didnt see anything after a quick search, i think 4k even is a bit of a meme personally, let alone 8k. I just wanted an OLED.


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More comments

Seriously frick all those Ks, just give me a buttload of HDMI ports and a fast enough processor to run the onboard YouTube/hulu without stuttering

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Other bs is ssd and especially Sony like in 2019-2022 everyone was telling how fast sony ssd it is and how game changing it is and worst part was that even engineers were hyping it. And Sony made bs move by saying if your ssd ain’t 5500mbs you can’t instal it while you could buy a 2tb 3500 ssd for 70 buks while for 5500mbs you need to spend 250 buks (now in 2020 that was 400+). But reality is there is barely any difference between 5500mbs and 3500mbs because speed decreases exponentially like it ssd was a car it would need a lot less hours power to go from 0 to 10mph than from 400mph to 401mph. So ps5 could easily play games on 3500mbs there would be virtually no difference on top of it a ddr4 ram from ps4 has speed of 25gbs and every games loads to ram first because it’s much faster than a ssd ever could be and much more versatile. And online games everything will depend on gaymer with slowest internet. So whole ssd promotion was created because ms and Sony had contracts with ssd makers to promote it. MS has a direct contract with one company that is the only one who can make ssd for xbox’s.

TLDR: companies will always find way to sell you bs and will never sell you a perfect product you really want

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Darn, you're really mad over this, but thanks for the effort you put into typing that all out! Sadly I won't read it all.

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My mom wanted a tv strong enough to no need a laptop or small desktop so she bought a 2000 euro tv and that shit cant even open a website without needing 30 seconds to load it so she ended up buying 300 euro laptop to connect to that tv.

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Your comment made me realize I have no idea what mine is. Just always treated it like a debit card. I cannot imagine living any other way.

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They got the right idea 😁

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I have r-slurred friends that don’t know what APR is and get shocked by their credit card bills when they forget to pay it every month until the bill comes

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I pay mine every three days. Zero interest payments for me.

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You really should just pay your previous months spending at the end of every month. You'll pay 0 interest and have extra cash on hand. And an even better credit score.

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Some people do for credit utilization on their credit score but CU resets every month so there's no point in worrying about it unless you're buying a house or car in the next month

Even then though it shouldn't even matter if you already have a high credit score as long as you're not maxing your shit out

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Yeah i just have mine set to autopay the statement balance every month. I hope thats right? its usually less that my total balance but it all gets paid still, the billing dates are weird


From my heart in ink still bleeding: have this comment. Thanks for reading.

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Billing dates are just a business calendar. They differ from the regular calender because they are usually regularized, like the end of month is always the same day of the week etc.

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>having debt

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Yes. I have a friend who has carried 5k on a card for like six years now

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20% APR is like 1.5% a month or so thats how they trick poors

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Why do you think credit cards are profitable

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It takes a really long time t.o build up 20% of the purchase price in interest, even at 30% apr

Only people who think trans lives matter pay anywhere near the APR

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People can be incredibly r-slurred about financial stuff. My fiancée is a working scientist with a STEM PhD and I had to explain to her why she had to pay off her credit card before she bought a designer bag 🙄

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I tune the frick out whenever numbers come up. And acronyms. I will never know what an APR is

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Thank the r-slurs for subsidizing credit card rewards.

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The most r-slurred thing about it is that for the most part CCs are not an amex style card (charge card?) that demand you pay back the full amount at the end of the month. So not only is it shit they cant afford, but they cant afford to pay a literal fraction, sometimes as low as 1/18th of the purchase price per month.

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