

Eh, I mean they’re designed to be as predatory as possible but if you do math and treat it as a debit you literally just get free money back.
Also you need a credit history here as no credit is treated as the same (if not worst) than bad credit and the only other options for establishing one is taking out loans.
If you’re okay never being able to finance a vehicle or house though, then no credit history is fine as long as you can provide full cash for those purchases up front.




Getting mad at forum mods is a tale as old as time.