Credit Ratings, Credit Cards, and Debt

[BigDParticipant 3024]

Okay, just for a start, I’ve just recently in the past three years gotten a credit card. I have never taken out a loan, nor borrowed money for any reason. I had gotten the card for the “just in case” moments.

Three years later my credit score is pretty darn good, and I have two credit cards with a good bit of a credit line. I wouldn’t say I could go out and buy a yacht with one, but I don’t have to worry about things for day to day affairs. I could buy a first class ticket anywhere in the world with absolutely no issues.

I did this by just paying the balance off every month. I use them for everything, but I still only purchase well within my means. I just pay the sucker off, collect my cash back rewards and the interest on my checking account. I still save up for costlier items I wish to purchase so I can just pay off the credit balance every month.

I use a credit card as tool to make money. A thirty day interest free loan that pays me to use it as long as I pay it back within those thirty days.

Anyway, the process I use takes discipline, planning, and fore thought. I just discovered why most “successful” men are drowning in credit card debt. Here it goes.

Women. Women do not look at a credit line and say, “I have to pay this back.” They literally look at it as purchasing power they can use now that will magically get paid some how later. The higher the limit, the more magic money they can spend.

Think about it. How many single women do you know that have good credit? Heck, how many single women do you know can even keep up with one credit card with only a $500 credit line? They max that f~~~er out the first week and make minimum payments for life. That’s even if they make the payments.

Then look at career minded single dudes. Credit card is used, but paid off. Good to excellent credit. Credit lines worth a fourth of their yearly salary.

Then what do these idiots do? They marry Ms. Bad Credit. He inherits all her past due bills and she gets to use his credit line like it’s going out of style. While he is slaving away to make ends meet, she’s pulling those ends further and further apart.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[RoyDalParticipant]

@bigd,
You are doing what I do. Good plan!
Becoming a debt slave? Bad bad plan!!

Society asks MGTOWs: Why are you not making more tax-slaves?

[Blue SkiesParticipant 15665]

great post.
finances are a major reason why i’m never getting married.
women are just good at spending spending spending…..

MGTOW is not a movement, it is a way of life.

[BigDParticipant 3024]

Women and finances do not mix.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[MattNYCParticipant 2329]

BigD wrote:

I did this by just paying the balance off every month

Absolutely key & well done BigD! So many people out there get stuck in the credit card trap. And a really interesting perspective – if you’re paying it off every month, plus getting rewards – those benefits are being subsidized by people who only make the minimum payments.

BigD wrote:

Women and finances do not mix.

Want to take a guess who most commonly makes ***only*** the minimum credit card payments?

[shadowParticipant 156]

Good minds think alike! I am the exact same as you, have been building credit for years now and have a good standing with bank and I am planning this year to expand my patriarchy and buying my first piece of investment property to rent out.

[RusskyParticipant 13503]

credit is only good if you have brains

proud carrier of the 'why?' chromosome

[BeerParticipant 11832]

Great job man, its awesome watching your money grow for you because you were smart enough to avoid the debt trap. I’d also suggest checking around your local banks and credit unions for specials they might be offering to open accounts with them…I made 400 dollars off my credit union this year doing the same exact thing I did at my last bank the year before, only they paid me about 75 cents in interest. Never be afraid to jump ship on a bank or credit card if a better offer comes along.

[HitmanParticipant]

Self-discipline.…it’s not a ” magical money card ” …ladies? self-discipline …what ? what’s THAT ? ..

[BigDParticipant 3024]

MattNYC wrote:

BigD wrote:

I did this by just paying the balance off every month

Absolutely key & well done BigD! So many people out there get stuck in the credit card trap. And a really interesting perspective – if you’re paying it off every month, plus getting rewards – those benefits are being subsidized by people who only make the minimum payments.

BigD wrote:

Women and finances do not mix.

Want to take a guess who most commonly makes ***only*** the minimum credit card payments?

Didn’t even think of it like that. I’m getting some of my money back from all the taxes I have to pay supporting all these single do nothing mothers. I shall redouble my efforts.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[Mr. SpockParticipant 10968]

Great post. I apply the same strategy as you. I only use the credit card for big purchases. I immediately pay off the balance when the next bill comes due. If I don’t have the cash to buy it then I don’t need it.
Hitman is right. These dumb bitches think that the card is a bottomless money card. Women also think that about checkbooks too. My ex-wife wrote checks for EVERYTHING, even birthday cards. She had no problem thinking the checks were like money but that she could just fill in whatever denomination she wanted. She never even considered replenishing whatever she took out either.

She's not looking for love. She's looking for someone to finance the lifestyle that SHE thinks SHE deserves.

[BigDParticipant 3024]

I look at how much I plan and save to do what I am doing with these cards. I see you guys doing it too. And it just p~~~es me off that some vagina can sweep in and f~~~ it up so hard so quickly. This is why I am MGTOW.

My heart goes out to every man who had their s~~~ straight just to see it f~~~ed up because they “did the right thing”. This world works so hard to manipulate good men into ruining their lives by taking on the burden of someone else. I always said, “If I want a child, I will have one, I will not date one.” All women are children.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[AntaresParticipant 208]

You have to look at the give and take in the situation though. The only reason they give cash back rewards, comes down to how many use it with no self control. Essentially rewards are subsidized by rampant overspending by the majority. They know if they bait with incentives, most people dig themselves into a hole and they’ve caught another cash cow.

Price is what you pay, value is what you get. -- Ben Graham

[Anonymous 1]

I don’t understand why it is so difficult for some people not to spend what they don’t have. It is common sense. If you are in debt because of medical bills or something that is completely out of your control I do not blame you. It all comes down to self control and that is it. There is nothing else to it. I always pay my credit card off and the only reason I have it is to build credit.

[BigDParticipant 3024]

Check this out fellas. I have a story to tell. However, let me give you some back story.

I work overseas as a contractor in warzones. My job itself isn’t dangerous or exciting, just the environment. So, there is a chance, if ever slim, I can pass. So, on one of my credit accounts I have my mother, father, and my brother just in case something happens to me they can get my body. So far so good.

Until this morning. Well f~~~ing Happy Year to me. 64 credit charges ranging from 1 dollar to 120 dollars are on my statement adding up to over $1200 bucks. At this point I think someone’s card number has been stolen. I try to get a hold of my brother, but everything being opposite due to the Earth being round, he isn’t picking up the phone. I call my Bank’s Emergency Fraud line and go over everything with the Rep, who was really good by the way. Kudos to USAA. I email and text both my brother and mother that my brother’s card may have been stolen and he might want to check his personal accounts just in case they got those card numbers too.

I finally get a hold of someone on my brother’s phone a few hours later. Who would it be? The thief herself. His wife. She asked me how I knew my brother’s information was stolen. I told her there were charges for Claire’s, Amazon.com, Groupon, and some candle company. All women’s items. My brother would only use the card for our business or my body. She then admitted she did it.

She had gone into my brother’s wallet behind his back and found the card. Decided it was shopping time.

Wait, it gets better. Apparently she has an “issue” about buying stuff online and lying about it. So my brother cut off all her cards. So, when she found this card she thought she was going to get him back by blowing a bunch of money.

Anyway, I’m not really sure what’s going to happen now. I am not a lawyer, but here is how I see it;
1. She is not an authorized user on the account
2. She admitted to stealing the wallet and using a card that was not in her name
3. It’s over $1000
4. Since I am not home in the States it is now possibly Federal
5. Since 2009 it is now up to the Bank to pursue fraud, not the consumer, I don’t think I really have any say now that it has already been reported if I wanted to stop any further pursuit of the criminal involved

So, if there is anyone here who has any advise, I would really love to hear it. Even my mother is telling me to “let her hang”. My brother, at this point, I don’t think he really cares either way, but has asked to see if I can stop any pursuit of charges.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[shadowParticipant 156]

BigD wrote:

<p abp=”739″>Check this out fellas. I have a story to tell. However, let me give you some back story.

<p abp=”740″>I work overseas as a contractor in warzones. My job itself isn’t dangerous or exciting, just the environment. So, there is a chance, if ever slim, I can pass. So, on one of my credit accounts I have my mother, father, and my brother just in case something happens to me they can get my body. So far so good.

<p abp=”741″>Until this morning. Well f~~~ing Happy Year to me. 64 credit charges ranging from 1 dollar to 120 dollars are on my statement adding up to over $1200 bucks. At this point I think someone’s card number has been stolen. I try to get a hold of my brother, but everything being opposite due to the Earth being round, he isn’t picking up the phone. I call my Bank’s Emergency Fraud line and go over everything with the Rep, who was really good by the way. Kudos to USAA. I email and text both my brother and mother that my brother’s card may have been stolen and he might want to check his personal accounts just in case they got those card numbers too.

<p abp=”742″>I finally get a hold of someone on my brother’s phone a few hours later. Who would it be? The thief herself. His wife. She asked me how I knew my brother’s information was stolen. I told her there were charges for Claire’s, Amazon.com, Groupon, and some candle company. All women’s items. My brother would only use the card for our business or my body. She then admitted she did it.

<p abp=”743″>She had gone into my brother’s wallet behind his back and found the card. Decided it was shopping time.

<p abp=”744″>Wait, it gets better. Apparently she has an “issue” about buying stuff online and lying about it. So my brother cut off all her cards. So, when she found this card she thought she was going to get him back by blowing a bunch of money.

<p abp=”745″>Anyway, I’m not really sure what’s going to happen now. I am not a lawyer, but here is how I see it;<br abp=”746″>
1. She is not an authorized user on the account<br abp=”747″>
2. She admitted to stealing the wallet and using a card that was not in her name<br abp=”748″>
3. It’s over $1000<br abp=”749″>
4. Since I am not home in the States it is now possibly Federal<br abp=”750″>
5. Since 2009 it is now up to the Bank to pursue fraud, not the consumer, I don’t think I really have any say now that it has already been reported if I wanted to stop any further pursuit of the criminal involved

<p abp=”751″>So, if there is anyone here who has any advise, I would really love to hear it. Even my mother is telling me to “let her hang”. My brother, at this point, I don’t think he really cares either way, but has asked to see if I can stop any pursuit of charges.

Without a second thought I wouldn’t at least make this thing cover all the expenses as this is fraud and theft. You have all the cards in your hand, proof everything. You definitely not cant let something like this slip. Criminal activity at its finest.

[BigDParticipant 3024]

@shadow

I am agreeing with you. I have already emailed my bank stating that she took the card without my brother’s permission, or his knowledge, and ran up the debt. She is not an authorized user. Thus credit card fraud.

The bitch even told my brother she did it out of spite towards him due to him taking away all her cards. She thought he was “hiding” a working credit card from her.

Most of the single guys out here have given their brothers and parents “death cards”. This way if we die they can use the “death card” to help get our bodies home without having to ruin their own finances getting us shipped DHL in a body bag. Believe it or not, it’s an issue. There’s been contractor bodies out here for years with no one able to bring them back home for burial.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[MgtowWaveParticipant 4352]

@bigd let that woman hang!!!

She goes to jail and don’t let your family post bail.

Your brother and your family will be better off without her.

Thieving lying abusive manipulative c~~~.That woman is a mountain of trouble for a lifetime if you don’t get rid of her.

frankly my dear i don't give a damn

[BigDParticipant 3024]

shadow wrote:

Good minds think alike! I am the exact same as you, have been building credit for years now and have a good standing with bank and I am planning this year to expand my patriarchy and buying my first piece of investment property to rent out.

You should start a thread about your investment property so we can see how it goes. I’m quite intrigued by the prospect.

Beer wrote:

Great job man, its awesome watching your money grow for you because you were smart enough to avoid the debt trap. I’d also suggest checking around your local banks and credit unions for specials they might be offering to open accounts with them…I made 400 dollars off my credit union this year doing the same exact thing I did at my last bank the year before, only they paid me about 75 cents in interest. Never be afraid to jump ship on a bank or credit card if a better offer comes along.

Been thinking about doing this. However, not being physically in the States has some drawbacks, such as the ability to do exactly what you are doing.

MgtowWave wrote:

@bigd let that woman hang!!!

She goes to jail and don’t let your family post bail.

Your brother and your family will be better off without her.

Thieving lying abusive manipulative c~~~.That woman is a mountain of trouble for a lifetime if you don’t get rid of her.

Well, my brother was able to contact the merchants and explain what was going on. So, he is going to ship everything back. USAA isn’t going to pursue it because my brother was able to cancel a lot of the orders before they were shipped.

The way I see it this bitch got real lucky and my brother and his kids are going to suffer for it in the long run. I can’t say anything, I’m not married to her. However, my brother is now that much closer to finally ending it with her. I hope he wises up and ends it before things can get worse.

Don't stick your dick into anyone you aren't willing to put up with for eighteen years and nine months.

[Big BossParticipant 4496]

Yeah you have to look at credit cards as loan sharks and thieves ready to rake you over the coals like a women but very competent.

Use, it if you need, but be ready to pay it off within a month. I have great credit because I don’t use credit cards. The rare time I do, its going to be paid off within the span of 6 months.

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