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Old 06-15-2018, 10:14 PM   #51 (permalink)
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All I’m saying is that lenders shouldn’t bend people over just because they can. If you got an issue with that knock yourself out.
I take issue with your lackluster justification of tradition because that's a cheap conservative move that's not usually a part of your style on top of being fallacious.
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Old 06-15-2018, 10:17 PM   #52 (permalink)
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debt is not something most people prefer, but it's something almost no one gets through life without, so much so that attempting to will make you look like some kind of untouchable to anyone who pulls up your score

Americans rack up 13 trillion or so a year combined, it's to be expected when the cost of living is rising but wages are stagnant

there's certainly people who have a problem, but your bartender knows when to say "I think you've had enough", a CC company will encourage debt until the economy crashes
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Old 06-15-2018, 10:57 PM   #53 (permalink)
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Find it yourself. Look up history of usury and ethics of lending and banking practices.

On being educated, some things seem so simple you think it’s street smarts but in fact you were taught certain things. An uneducated person might not understand what interest is, how a percentage is calculated, or even what a percent is. The way you argue is tedious and not worthwhile once you start trying to pick apart an unassailable thesis. It’s universally agreed upon that people well versed in banking ethics and practices should not exploit laypersons beyond traditional rates which run from around 3 to 10%.

As for comparing our banks to every other industry: no thank you. Every comparison is tedious false equivalency although elph is right that unethical business practices should be scrutinized across the board.
The only thing tedious here is you making claims youre not willing to provide evidence for. I've already admitted I'm relatively naive to the subject. I'm also totally willing to read the evidence for your claims and further educate myself.

I'm not arguing that they shouldn't exploit people and I never argued they are equivalent, but it's still a fair analogy.

I agree with the bolded.

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indeed I have one right now that I didn't apply for
You probably signed up for it somewhere without realizing or someone opened it using your name. I can't find any evidence that CC companies can just force you into a line of credit you didnt sign up for.

Also, I know people who have been denied credit cards because of their bad credit, so isnt that comparable to the bartender analogy?
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I'd vote for Trump

Last edited by DwnWthVwls; 06-15-2018 at 11:07 PM.
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Old 06-15-2018, 11:19 PM   #54 (permalink)
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they can pre-approve you (ofc they still send you an application in this case), my bank issued me the one I have have automatically after a certain time

when someone gets denied you have to wonder if the institution is like "Drats! someone got to him first!"

logically the worse your credit the more predatory a card you will be issued if you aren't denied
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Old 06-16-2018, 04:14 AM   #55 (permalink)
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Never been in debt, never bought anything with money I didn't have.
If I didn't have it, I didn't buy. Simple.
Suckers.
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Old 06-16-2018, 10:13 AM   #56 (permalink)
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Never been in debt, never bought anything with money I didn't have.
If I didn't have it, I didn't buy. Simple.
Suckers.
#GrindysLifeLessons
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Old 06-16-2018, 10:43 AM   #57 (permalink)
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Never been in debt, never bought anything with money I didn't have.
If I didn't have it, I didn't buy. Simple.
Suckers.
Even cars?
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Old 06-16-2018, 10:49 AM   #58 (permalink)
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Even cars.
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Old 06-16-2018, 10:55 AM   #59 (permalink)
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Even cars.


This song might cheer you up if you’re in debt and have wrecked your credit
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Old 06-16-2018, 10:57 AM   #60 (permalink)
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Even cars.
It's a shame that most folks can't take a ride on the same boat as you.

I'd wager that less than 2% of people are able to purchase cars outright with cash.

The other 98% have to lean on lending. Suckers.
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