Unpopular Opinion
Welcome to the Unpopular Opinion community!
How voting works:
Vote the opposite of the norm.
If you agree that the opinion is unpopular give it an arrow up. If it's something that's widely accepted, give it an arrow down.
Guidelines:
Tag your post, if possible (not required)
- If your post is a "General" unpopular opinion, start the subject with [GENERAL].
- If it is a Lemmy-specific unpopular opinion, start it with [LEMMY].
Rules:
1. NO POLITICS
Politics is everywhere. Let's make this about [general] and [lemmy] - specific topics, and keep politics out of it.
2. Be civil.
Disagreements happen, but that doesn’t provide the right to personally attack others. No racism/sexism/bigotry. Please also refrain from gatekeeping others' opinions.
3. No bots, spam or self-promotion.
Only approved bots, which follow the guidelines for bots set by the instance, are allowed.
4. Shitposts and memes are allowed but...
Only until they prove to be a problem. They can and will be removed at moderator discretion.
5. No trolling.
This shouldn't need an explanation. If your post or comment is made just to get a rise with no real value, it will be removed. You do this too often, you will get a vacation to touch grass, away from this community for 1 or more days. Repeat offenses will result in a perma-ban.
Instance-wide rules always apply. https://legal.lemmy.world/tos/
view the rest of the comments
I think the knee jerk reaction to just not use credit cards is an over reaction. If you are in a state where you can safely maintain a few hundred dollars in a bank account month to month, then it's perfectly reasonable to have a credit card that is used responsibly as long as you don't carry a balance. I would just roll it into good budgeting and it helps you build a credit history which, though a shitty system, is still a useful thing to have.
It's not for everyone based on that criteria, but a good amount of people do fit that condition, especially if they have a moderately well paying job in a lower cost of living area, or do things like live with their parents.
There’s nothing wrong with appropriate use of credit cards ... Ideally. I think most people avoid them because they fear making poor choices. They know they’re fallible. They know there are huge industries based on extracting money from the unwary. Paying cash balances that out with a very simple control.
It’s similar to eating a reasonable amount for many people. On the surface it’s calories in vs calories consumed, but in reality it’s all about human nature. I buy soda in cans, despite the cost and environmental impact, because it’s easier to tell myself to only have one per day than it is to stop at 12 Oz. This is the whole reason for “100 calorie packs”, to help people limit themselves to “one serving”