this post was submitted on 17 Oct 2023
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You only need to pay interest if you don't make your monthly payments. I put gas and some groceries on my card and zero it out every month. By the time I graduated from university I had a credit score of about 775 which is pretty good for a kid who grew up in a <$20,000/yr household with no real financial education or help.
This is a terrible way to look at credit. You'll definitely be paying more interest with no credit score, if you can even get a loan (you won't). You're pretty much guaranteeing your failure like this.
Yeah lmao that 0.3% really pays out big, huh? Most credit cards offer anywhere between 1-10% cash back.
FYI my savings account earns 4.55% p.a.
Also, I know that the money I'm investing is being used ethically, which helps me sleep a bit better