can’t be using it on the internet. don’t trust that atall
I’d never want a credit card.
If I needed something badly I’d perfer to get a small loan and pay it for it that way, or else go without and at the moment I’m going without.
You’d almost think a lot of people in this country are still feeling the effects of a time when credit was rampant in the country.
Given the shenanigans of the last boom, I’d say there’s an entire generation who have a healthy fear of using it.
Tbf I think too many people view credit cards as an additional emergency cash reserve and not an instant access loan with a *very* high interest rate
It’s not irrational in the slightest. The rates are crazy on those things. Never had one never will.
How about “The rational fear Irish people have of using the credit card”
We don’t have the same lucrative rewards like cash back and airmiles for credit card usage like some countries do. There’s also no building of credit scores or credit history like you need in the USA.
Add in the fact that the government charges tax to have a credit card, and most peole don’t see a need for it.
Love the CC
Use it for near 100% purchases, then pay it off before the month is up
Cash is a King.
Is credit score big in Ireland when looking to get a mortgage? And besides owning a credit card how else would you get a good credit score?
Id just use a credit card like a debit card to get my credit score up miss me with that debt
Credit card holder here…
I’ve a 5K limit. I curse the feckin thing. I’m like Bono, can’t live with or without it. It’s gotten me out of some scrapes but it’s also a semi-permanent debt cycle. I owe about 2,600 at present. When I get it below 2 I’m going to reduce the limit to 3,000.
I thought only Americans used credit cards
Cash or debit card.
If you don’t have the funds? You can’t get it. That’s it.
Sorry but that’s the truth.
Do you guys not use credit cards for the travel/driver insurance on holidays, air line points (Aer Lingus), or cash back? I see BOI and Avant have some rewards
Have you seen the interest rate? Nothing irrational about this fear.
I use my BOI credit card instead of my debit card. Pay the full statement off every month. Get between 500-750 Avios points to spend on Aer Lingus or BA, get travel insurance and 2 return European flights a year with Aer Lingus.
I think it’s great and suits me spending like that
Irish and italian people are Brothers and sisters in this _._
So happy got rid. No need for it
Are your memes always this dumb?
It’s not irrational, its a system that can easily be skewed in company’s favour. Why use it at all??? Its encourages people to view short term rather than long term picture
23 comments
can’t be using it on the internet. don’t trust that atall
I’d never want a credit card.
If I needed something badly I’d perfer to get a small loan and pay it for it that way, or else go without and at the moment I’m going without.
You’d almost think a lot of people in this country are still feeling the effects of a time when credit was rampant in the country.
Given the shenanigans of the last boom, I’d say there’s an entire generation who have a healthy fear of using it.
Tbf I think too many people view credit cards as an additional emergency cash reserve and not an instant access loan with a *very* high interest rate
It’s not irrational in the slightest. The rates are crazy on those things. Never had one never will.
How about “The rational fear Irish people have of using the credit card”
We don’t have the same lucrative rewards like cash back and airmiles for credit card usage like some countries do. There’s also no building of credit scores or credit history like you need in the USA.
Add in the fact that the government charges tax to have a credit card, and most peole don’t see a need for it.
Love the CC
Use it for near 100% purchases, then pay it off before the month is up
Cash is a King.
Is credit score big in Ireland when looking to get a mortgage? And besides owning a credit card how else would you get a good credit score?
Id just use a credit card like a debit card to get my credit score up miss me with that debt
Credit card holder here…
I’ve a 5K limit. I curse the feckin thing. I’m like Bono, can’t live with or without it. It’s gotten me out of some scrapes but it’s also a semi-permanent debt cycle. I owe about 2,600 at present. When I get it below 2 I’m going to reduce the limit to 3,000.
I thought only Americans used credit cards
Cash or debit card.
If you don’t have the funds? You can’t get it. That’s it.
Sorry but that’s the truth.
Do you guys not use credit cards for the travel/driver insurance on holidays, air line points (Aer Lingus), or cash back? I see BOI and Avant have some rewards
Have you seen the interest rate? Nothing irrational about this fear.
I use my BOI credit card instead of my debit card. Pay the full statement off every month. Get between 500-750 Avios points to spend on Aer Lingus or BA, get travel insurance and 2 return European flights a year with Aer Lingus.
I think it’s great and suits me spending like that
Irish and italian people are Brothers and sisters in this _._
So happy got rid. No need for it
Are your memes always this dumb?
It’s not irrational, its a system that can easily be skewed in company’s favour. Why use it at all??? Its encourages people to view short term rather than long term picture