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A comment on Identity Theft, Credit Reports, and You. Parent comment

Re:Identity Theft, Credit Reports, and You by skinnymuch on Saturday September 09, 2017 @10:15AM (#15207176)
You can spend completely normally and still make money from CCs if you pay them off. Everyone needs basics like food (supplies), transportation costs, and household/hygiene items. Maybe you're better than us, but most people also have utilities like internet and cell phone bills.

You likely paid for however you typed that comment. Putting that on a credit card with rewards and paying it off asap wouldn't hurt you one bit. Only can help you if you have the discipline not to over spend, which seemed like a given in OPs post.

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Re:Identity Theft, Credit Reports, and You by tertius on Saturday September 09, 2017 @10:56AM (#15207355)
> discipline not to over spend

Like the discipline to never use Facebook? Extremely rare. And psychologically expensive.

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Re:Identity Theft, Credit Reports, and You by pwg on Saturday September 09, 2017 @03:19PM (#15208700)
No facebook account here. Never had one, never will have one.

Also pay off CC in full every month, so no interest payments on what are effectively short term loans.

Neither is at all psychologically expensive. However paying off CC in full every month does require sufficient income (and/or restraint in spending for those without the sufficient income) to be able to do so.

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Re:Identity Theft, Credit Reports, and You by tertius on Saturday September 09, 2017 @03:28PM (#15208760)
Spending cash is a lot harder psychologically than spending money with a CC. Dopamine is in effect.

Much easier to keep scrolling and consuming on FB than stopping.

That's the comparison.

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Re:Identity Theft, Credit Reports, and You by bittercynic on Saturday September 09, 2017 @01:10PM (#15207954)
For some, it only takes discipline while you're establishing the habit, then it is very easy to keep it rolling.
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Re:Identity Theft, Credit Reports, and You by skinnymuch on Saturday September 09, 2017 @02:18PM (#15208380)
I'd say FB is way different than the discipline to not over spend on CCs in a community like this. Not over spending on CCs being far easier.
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Re:Identity Theft, Credit Reports, and You by tertius on Saturday September 09, 2017 @03:29PM (#15208763)
It depends on what your choose to define as overspending.
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Re:Identity Theft, Credit Reports, and You by jacquesm on Saturday September 09, 2017 @04:42PM (#15209066)
Easiest thing in the world and it is psychologically a gain, not a cost.
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Re:Identity Theft, Credit Reports, and You by tertius on Saturday September 09, 2017 @07:00PM (#15209579)
What exactly?
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Re:Identity Theft, Credit Reports, and You by jacquesm on Saturday September 09, 2017 @10:02PM (#15210134)
Not using facebook.
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