this post was submitted on 01 Jun 2025
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[Migrated, see pinned post] Casual Conversation
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A lot of people avoid credit cards, but if you get one that has good "cash back" rewards and only use it for stuff you're already buying anyway then you basically get a discount on everything.
I have a PayPal card that is like 1.5%-3% back on everything so I just do all my normal purchases on there, even insurance payments and stuff, then pay it all off as soon as I'm "allowed" to. I basically get a few hundred dollars a year back from stuff I'd be buying no matter what.
Just be careful of your cards maximum... I literally just learned this the hard way this week... I did all my normal shopping/payments like I always do, but I also rebuilt my computer so I ended up using 50% of my available credit and lost 20 fucking points off my credit score for it!!! Such a scam system lol
Cue all the whining.
Credit cards are an amazing tool, and one of the best things that people don't realize is almost every single credit card gives you 90 days loss damage theft protection, and an extra year warranty on top of whatever the manufacturer gives you.
This has literally saved me tens of thousands of dollars over the last three decades.
I got two brand new laptops because they both died around the 2 to 3 year point, and the extra year of CC warranty carried the coverage over. With no replacement parts available, they were required to give brand new laptops with new warranty. That's just one example of many. My brother smashed a TV when we were setting it up... Invoked the 90 dat damage protection and got a "free" TV.
A lot of cards have other fringe perks like insurance on rental cars, for example. Absolutely worth flipping through your benefits package sometime.
YES! I had forgotten about that one! My current policy has basically "permanent rental insurance". Woah, thanks for the reminder to literally browse my benefits package again.