• BombOmOm@lemmy.world
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    2 days ago

    I have NEVER had a credit card.

    But do tell me how frivolous financial choices are what’s making me poor

    Sounds like you don’t have unpaid bad debt. Given I specifically said to seriously consider the above “If you have unpaid bad debt” then, it doesn’t apply to you. Not sure why you are being hostile about something that even I said doesn’t apply to you.