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1. Embed this notice
   Hoss Delgado (hoss@shitpost.cloud)'s status on Sunday, 24-May-2026 06:03:59 JST Hoss Delgado
   >be normie staring at your 8 lines of credit like they're a Pokémon card collection
   >convinced you're responsibly building credit while getting scalped by bankers every single month you carry a balance
   
   >there are only two ways to play this game
   
   >Strategy 1: The CPA
   >pay that shit in full every single month like a responsible adult
   >stack every cashback, point and sign-up bonus like a fucking dragon
   >literally printing free money while your credit score looks like a simp's OnlyFans sub count
   >banks seethe because you're the guy who never pays any interest but they can't stop approving
   
   >Strategy 2: The Joker (Debtmaxxed Defaultchad)
   >open every card they let you
   >ride that 0% intro APR like it's a stolen Ferrari
   >buy shit, flip it, live like a king, then ghost them like a true chaos agent
   >file bankruptcy every 7-8 years like it's a subscription service
   >laugh maniacally as they send increasingly desperate letters
   >your FICO is in the dirt but who cares when you're eating steak with their money?
   
   >everyone else?
   >lmao
   
   >the wagie paying $89 minimum on his $12k balance at 27.99% APR
   >the "I'll pay it off next month" guy for 47 straight months
   >the "I only use it for emergencies" dude whose emergency is DoorDash every night
   
   >these are the sacred debt cattle
   >the beautiful midwits keeping the entire system alive
   >banks literally model for us CPA chads and Joker psychos as "expected losses"
   >they don't give a fuck
   >there's so many normie NPCs in the middle they write off losses from the ends of the credit spectrum and still post record profits
   
   >quarter after quarter
   >CEO buys another yacht
   >meanwhile you're either getting free flights to Japan or telling collections to suck your nuts from a burner phone
   
   >mfw the only two winning moves are being a responsible autist or a complete financial terrorist
   >everything in the middle is just paying for our sins
   
   >stay based frens
   >choose your fighter
   • Embed this notice
     porkcow (porkcow@shitposter.world)'s status on Sunday, 24-May-2026 06:25:46 JST porkcow

     in reply to
     @Hoss @Hoss After getting auto-enrolled in Prime one too many times I'm unwilling to keep anything in my wallet that hasn't been there for 15 years. No credit, no Hyvee gas rewards, no Baskin Robins punch card, nothing.
   • Embed this notice
     Hoss Delgado (hoss@shitpost.cloud)'s status on Sunday, 24-May-2026 06:25:46 JST Hoss Delgado

     in reply to

     • porkcow
     I treat consumer credit like liquidity extended by the devil in a game I intend to win.
   • Embed this notice
     cjd (cjd@pkteerium.xyz)'s status on Sunday, 24-May-2026 06:35:16 JST cjd

     in reply to
     Someone I used to know once said: When I die, I want people to look over my grave and say "that guy owed me a lot of money"
     Hoss Delgado likes this.
   • Embed this notice
     Hoss Delgado (hoss@shitpost.cloud)'s status on Sunday, 24-May-2026 06:38:55 JST Hoss Delgado

     in reply to

     • cjd
     If I ever receive a terminal diagnosis, I fully intend to die with every possible balance completely maxxed out after every asset of any meaningful value has already been transferred to family and friends. Bankers would prefer you remain ignorant of the fact that unsecured credit dies with you.
   • Embed this notice
     cjd (cjd@pkteerium.xyz)'s status on Sunday, 24-May-2026 07:02:24 JST cjd

     in reply to

     • Nudhul
     People add a second x when they add the 'ed' suffix. I'm not the academie français for English so I'm not gonna weigh in on whether it's right or wrong, but it is something people tend to do...
     Another Linux Walt Alt likes this.
   • Embed this notice
     Nudhul (nudhul@shitposter.world)'s status on Sunday, 24-May-2026 07:02:25 JST Nudhul

     in reply to

     • cjd
     @Hoss @cjd there's only one X in max
   • Embed this notice
     cjd (cjd@pkteerium.xyz)'s status on Sunday, 24-May-2026 12:19:11 JST cjd

     in reply to

     • Nudhul
     Don't want to dox the person who sent this because it was private - apparently the rules in the past did actually say you should do that.
     Another Linux Walt Alt likes this.
   • Embed this notice
     Nudhul (nudhul@shitposter.world)'s status on Sunday, 24-May-2026 12:19:12 JST Nudhul

     in reply to

     • cjd
     @cjd @Hoss but that's still incorrect! maxed, maxing, maximus, there is only ever one (1) X!!!!! fucking retard zoomers!