52:15business is all about making connections and providing services to those connections
52:19then you did that in gta and it was black 7 times in a row
52:21A "life hack" that I was very fortunate to realize by myself: pay the Statement Balance in full before it's due = free credit card
52:21you need a credit card to have a credit score
52:29You need credit score
52:31That right 10 year olds
52:32u need to build a credit score, like it or not
52:36If you pay credit card on time, you build credit scores, and get points
52:38real, the game is rigged if you dont have credit
52:38i only recently increased my credit limit, and i always make sure to pay my balance off on time
52:39I feel like it’s not possible to not use a credit card…like so many things depend on having good credit..
52:39Yeah, having credit is kinda REALLY important
52:40owing a little bit of credit is good for credit score
52:44But you have to, to build it. It's a trap
52:44you can always have social credit on china
52:50Going to the elementary schools and asking them to teach me finance
52:50yeah you gotta start building that credit score when you are young
52:53gotta build credit to have good credit :p
52:54credit cards are WAY safer than debit cards though.
52:57I'll pay it back I PROMISE ;3
53:06Unless you have the money always to buy things outright you are SCREWED with no credit
53:08i have 5 payments on my lo mein noodles
53:08debit stolen = your money gone, bank doesn't care. credit card = their money gone, now they care.
53:13then they shoot you in the foot
53:16but pay it down the same month
53:23the whole credit system is so wierd in america
他
53:26Yeah cause it's technically the bank's money
53:31nah my usaa debit card was no fuss when it got cloned
53:34Yeah suddenly the bank cares about helping you because it’s THEIR money not yours lmao
53:40It's such an annoying gotcha of a system
他