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You might have to cop it for the greater good I'm afraid mate.Bad news for arbitrage betting. I use my credit card all the time on betfair to offset betting promotions on other betting sites. If that happened in Australia I would have to fund lay bets on betfair from my bank account which sometimes run into the thousands. Good doing it on CC because I am guaranteed a win.
HahahahahahahaDoes anyone here suffer from white privilege? Does anyone know how to cure it?
That's a dumb move, I use my credit card all the time to manage cash flow. Would make more sense to introduce a percentage limit of funds that can be tied up on gambling.
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Sadly, I think you are one of the few that do so.That's a dumb move, I use my credit card all the time to manage cash flow. Would make more sense to introduce a percentage limit of funds that can be tied up on gambling.
Same here. Always try to avoid debt where possible.In the minority here but I don't have a credit card.
I am of the view if you can't afford it, don't buy it - cars and property aside.
Our only debt is our home loan.
That's not the sole point of a credit card.In the minority here but I don't have a credit card.
I am of the view if you can't afford it, don't buy it - cars and property aside.
Our only debt is our home loan.
In the minority here but I don't have a credit card.
I am of the view if you can't afford it, don't buy it - cars and property aside.
Our only debt is our home loan.
Good approach to have. Credit cards can be used for convenience during a month and then paid off at the end to avoid interest etc (like SM suggested).
Where one can start to get into trouble is just paying off the 'minimum amount' and from there, the debt and costs can compound. On a similar note, I'm also not really a huge fan of afterpay or similar methods. Really taps into the consumerism culture and makes it very attractive/appealing for people (who probably don't need it/can't afford it anyway) to keep buying the latest shiny and glitzy things.
I know, but I still don't feel the need for one.That's not the sole point of a credit card.
If you're not repaying your full balance each month you're doing it wrong.
I know, but I still don't feel the need for one.
This as well. Managing cash flow is hugely undervalued it seems.‘they’re also good with your home loan if you have an offset account as you can minimise interest charges by paying your maximum amount available in against your home loan, and only worry about paying off the card at the end of the month
I've used Afterpay twice as a broke uni student. Once for shoes and once for a Switch. But in each case I knew that I would be able to afford it over the 8 weeks and wouldn't do more than one at a time.Afterpay is ridiculous.
Preys on people who don't earn enough and just love to buy s**t and can't afford to repay it IE uni students.
You don't think having a smooth cash flow instead of a lumpy one is beneficial?I know, but I still don't feel the need for one.
‘they’re also good with your home loan if you have an offset account as you can minimise interest charges by paying your maximum amount available in against your home loan, and only worry about paying off the card at the end of the month
Yeah, but many will be irresponsible and reckless and have no idea how to manage their debt. You're obviously an exception to the rule which is good.I've used Afterpay twice as a broke uni student. Once for shoes and once for a Switch. But in each case I knew that I would be able to afford it over the 8 weeks and wouldn't do more than one at a time.
I don't think it's uni students that are being targeted. I think it's lower income earners who won't put proper limits in place.
I don't know, I haven't really thought about it.You don't think having a smooth cash flow instead of a lumpy one is beneficial?
Do you hang out for pay day because it means you can to buy a new shirt or book or whatever?