Hey guys I need advice I'm not interested in playing along with what I deem to be a morally defunct, literally satanic system where money is first and morals are last. I do believe our system is super messed up because of how banks handle currency and reward people by putting themselves in debt and getting themselves out. Couple in that the main banks are Left leaning communist megacorps, why on Earth do you people continue to invest in them. If you are on this site, They don't like you... And with incoming social credit scores, lol. You guys ought to be smart and avoid big banks... So that begs the question, is there anyway I can live a normal life without having to rely on banks by getting a credit card and put myself into debt and basically playing the game that is literally helping cause the downfall of our society? Thanks.
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There are some good banking alternatives. Christian credit unions for one are a good option. https://www.mycccu.com/contact/
Hard times are ahead for sure. Pulling out of society is not a solution for everyone. Getting control of the culture and standing by our better ideas is how it will change.
that is what i am in the process of doing, looking for smaller banks. As for CCU's... from my understanding a lot of churches are under government reg. and end up espousing liberal talking points, so am i really avoiding leftism by dealing with a CCU? Guess I'll have to find out.
Ya you have to talk to them. The one I use is run by the archdioceses and doesn't have any federal oversight that I could find.
If you pay the cards off every month you don't get in debt. You can game their system by playing travel cards for points, the sign up bonus. We have zero credit card debt but use airline cards for points.
that's good advice and all but airlines are left leaning too and when they try and enforce mandatory vax's for flying, well i guess i wont be flying anymore either. i haven't flown in forever anyway.
i live debt free, have for a while, i just bought a new truck, paid cash, took 4 years to save up though.
i also have a 750 credit score, and do so with a single visa credit card and a few thousand dollar limit.
i use the credit card for all my petrol purchases and pay it off each month 100 percent
you can do this with a secured visa too, no credit needed to get one
you will have everyone falling at your feet trying to sell you stuff, then you want to 'opt out' of soft credit hits
even if paying cash, you may still have issues buying a house with poor credit, so at least do the minimum
What kind of issues could one encounter by paying cash for a home while having bad credit?
from my understanding none, you just wave the cash in there face and say SUCK MY DICK and they go ok... all about money
Thats what happened with me. I was rather curious as to what problems could possibly exist outside of the worst kind of hall monitors in existence. . . HOA.
thanks for the advice. good job on buying your own truck in 4 years by saving. it's not easy.
just don't confuse debt free with credit stupid. there are a ton of ways to not feed the beast but still have huge positive outcomes for yourself.
its a fucked up system... i think it take a genuis to opt out and get a long. getting a long is the key.
does not take a genius, just takes a bit of time and practice
https://www.creditkarma.com/advice/i/hard-credit-inquiries-and-soft-credit-inquiries
I'm not trying to be mean and please I appreciate all comments and advice, but I'm still sitting here not wanting to play the game. It's just not right, supporting big banks.
So, how do you plan to pay cash for a house?
I used a private lender. Had no credit but a good job and 20 percent saved up to put down. Bought a fixer upper so house was appraised for more than sale price. So yea you can buy a house without using their system.
that's an alternative right there. thanks for the advice.
let's just say i work and am in the process of saving money. i just dont have credit cause i have no interest and WOW it's like people I know hate me for it. or think i'm crazy. I just see how the system is crazy and i don't want to be a part of it.. we will never change the system if we keep playing the lame game.
Also I see multiple routes, getting a credit card and using it responsibly, I am very capable of. Or a secured card where I put money down first and borrow from that. I'm just not interested in playing the game. I've also quit almost all big left tech/social media, and I feel like that is our best option in the long run.
Credit Unions have special loans to help you build credit.