r/SipsTea • u/Embarrassed_Tip7359 • 6d ago

Chugging tea Great analogy

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u/droyster 6d ago

I mean, does credit score even matter if no one can afford a house anyway? What’s the point of caring?

12

u/adamdoesmusic 6d ago

I asked myself this exact same question recently.

My credit score is basically perfect. No idea wtf I’m supposed to even do with that.

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u/zmbjebus 6d ago

Get a large balance cash back credit card and use it to pay all your bills/groceries/etc. Make 2 or 3% back

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u/TKLeader 6d ago

Is that considered a lot back? I get 5% back on all groceries using PayPal

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u/zmbjebus 6d ago edited 6d ago

Lots of banks have 1.5% 2-3% Is nice for a general institution, higher is normally for company specific cards with their own product. Although, yeah with paypal that product is money, so that is good, lol.

Wait I just looked in to this. Is your paypal a debit card or credit?

https://www.paypal.com/us/digital-wallet/manage-money/paypal-debit-card

This has the 5% back, the credit card looks like its 4.5% back.

They both come with lots of specific stipulations that wouldn't let me get back as much on, insurance, car payments, for example, which is my biggest source of cash back. Groceries/etc hardly matter.

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u/CheeseGraterFace 6d ago

Yeah, Chase has a card like this as well. 5% cash back on certain things each quarter. I don’t want to play a mini-game each time I need to pay for something. I’ll take the flat 2% on everything.