eu nu am absolut nici un credit.
folosesc credit cards doar pt ca am nevoie de credit score pentru viitor.
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts plus the other agreed charges.[1] The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.
Tu incerci sa explici ca daca nu ai card de credit ratezi ofertele cu discounturi consistente care sa motiveze oameni sa sparga bani de pe cardul de credit ceea ce in Romania nu este valabil ca aici toti o ducem mai bine si discounturile ne jignesc de s-a ajuns sa se cumpere la suprapret.