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Joined 1 year ago
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Cake day: August 2nd, 2023

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  • SeabassDan@lemmy.worldtoMemes@lemmy.mlBankruptcy is lifesaving
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    1 year ago

    My concern is the impact on my credit from not paying back in full, even if there’s zero interest for an extended period of time. Like paying an appliance in 3 months with no interest versus the full balance before the next billing cycle. I just assume there’s a downside to having that convenience aside from them hoping I’ll fall behind.



  • Ah, okay, I always figured the only way to really be responsible with credit was to use credit cards like debit, but if a big purchase came along that I definitely couldn’t pay off within the month, I figured it wouldn’t hurt to have zero interest but wasn’t sure of the impact on my credit.