1:20:04I only use like one credit card for everything
1:20:05:cat-orange-whistling::cat-orange-whistling::cat-orange-whistling:
1:20:09I think credit scores are American only iirc?
1:20:09oooh the point system i understand well. I have it too the point system but im below the certain said level:_emberStare:
1:20:10it is... i dont have that many and i use them for almost nothing
1:20:14I need to rebuild my Robin deck now that she's actually good again
1:20:14I need to actually practice. I’m just being dumb
1:20:15didn't they all charge you for 1.5~5% fee per purchase
1:20:23Europeans don’t credit card maxx like that
1:20:25financial systems work differently in other countries
1:20:26@jinkourai it's points per dollar, and I earn something close to a free hotel night every 3-6 months. I've had multiple trips this last year where I used it to get my over night somewhere free
1:20:38We do have points in my country for stuff but they're not worth it.
1:20:39CCs give near zero rewards here and cost fairly high fees, usually
1:20:43credit card farmer ember amane
1:20:43how often do you ever close those cards tho
1:20:46:_emberMonch::_emberMonch::_emberMonch:
1:20:56If you're ontop of it then you save so much (but they bank on people messing it up)
1:20:56the point reward systems are most commonplace here compared to most of the world
1:20:57so most people don't even own a credit card here
1:21:04is the capitol one venture x worth it?
1:21:08Does the Olive Garden never ending pasta pass count as a credit card...
1:21:10Ember, how many credit cards do you have...?
1:21:10If whats You saying is how i am imagining. I can Confirm south africa also has points system too. albeit its dependent on Bankers services
1:21:12No? Like transfer fee or other things fee?
1:21:13Responsible credit card use is key
1:21:17what kind of credit card does he have??
1:21:20Credit Cards charges per perchance? Sounds like a dogshit bank
1:21:20I make sure to pay off my card the second I have enough funds