Halo 4 Amex card holders credited $25 for completing game

 msfan1289 You may be surprised to know that the average age of the gaming population is in the mid to late 20's now. Gamers do age. Gaming as a recreational activity is not just for bored teens.

 msfan1289 Absolute fail.  Amex has cards that don't charge annual fees nor require payment in full each month.

 Jedilink109 good luck getting a low interest loan for a house or any other endeavor. u need a good credit score for that, and to build credit score you need a credit card. if ur not a dipshit and dont buy things you cant afford, and make your payments on time,you wont go into credit card debt

 ERRB73 My credit is fine dude.  I've gotten different things with credit before.  I even paid off my car about 2 years ahead of time.

I just don't see the point in paying for something twice (at the store, and then later with my bills when I "actually" pay for it).  It's pointless and monotonous and that crap gets on my nerves.  If there's something I really want that I can't afford, I typically just save up the money and buy it when I have it.  Perhaps more people should do that and we wouldn't have such crushing debt across this entire country, *ahem* excuse me, WORLD.

 Jedilink109  ERRB73

 He's right though.  Many lenders will completely avoid lending to someone without a credit card.  Bad credit is better than no credit, sadly.

 Jedilink109  ERRB73 yeah bro like people have over $18,000 plus to buy a new car in cash, yeah bro people can totally save that money up in months after paying bills, rent ( home loan) and unwanted expenses, yeah bro sounds liek mommy and daddy paid for your stuff bro. good job bro

 Jedilink109  ERRB73

 Actually in order to build credit history you need to have revolving credit such as from a credit card, otherwise you will not have enough history and no one will ever lend you anything without a massive interest rate.

Credit Cards can actually be very helpful, especially those that give you rewards and don't have an annual fee, plus if you pay it back in full by your due date you will never get charged interest.

The people that say credit cards are trouble are the people that cannot handle it and spend money they don't have, just be responsible.

@Jedilink109 Credit cards aren't the problem, not paying the bill is the problem. My father got me my first card when I was 14 and made sure I paid it myself and on time. To date, I've never had to pay more than what I would have paid in cash (less actually, if you count the small % back I recieve every month.). Credit cards are great if you pay on time, it's when you don't pay on time that they backfire, but that's more of an issue with the holder, not the card. Do hate the 30+ "pre approved" offers every month though...

 ---Cipher---  Jedilink109 i get a ton from capital one. what i hate is offers from American Express and Discover card, the only 2 cards that most places ( if not a big box store) wont take at all because of the stupid transaction fees they get out of every charge.

 TacticaIYou are only put in debt if you are irresponsible and do not pay off the balance by the due date.  Credit cards are not evil, people are just stupid.

 Lordcrabfood Any amount of a debt, is debt. If you charge .69 cents to buy chewing gum, hey guess what, you're .69 cents in debt. That is all they are selling you, debt. To insinuate anybody with a lot of credit card debt is stupid, is a little insensitive to say the least, the list of reasons why any given person could suddenly end up in a large amount of debt is pretty damn long. It isn't always THAT simple. 

 TacticaI  Lordcrabfood Consider credit cards something like a microloan to tide you over until the next paycheck. That is unless you spend beyond your means then you deserve what you get. 

@Kjranu @Lordcrabfood That is a sound strategy, but I was consideeing people who use credit in emergencies and find later on they have a huge bill to pay, not to mention the other ways to end up with terrible credit, but I guess that isn't exactly relevant here lol.

 TacticaI

 Actually it usually is that simple, stupid people blaming banks cause they accepted extra credit and then can not pay it off.  If people stopped living above their means, then there would be no problems at all.  I am aware that there are some exceptions, however these situations are in the minority.  I have a credit card, always pay my balance on time, never have to pay extra apart from a small anual fee which is fine with me.  I am sick of people blaming others for their problems, take responsibility for your own actions.

@Lordcrabfood Good for you, and I would agree it would be stupid to blame the bank for credit card debt, especially if you didn't borrow the money from the bank. Though I don't know where you're getting this idea from that people do this on some sort of regular basis and living above their means by simply swiping their life away.

 Lordcrabfood  TacticaI 

I agree. Wielding a credit card demands discipline, something the majority seems to lack. However for the disciplined Joe it can be resourceful in certain situations. Preferable more important stuff than a new Gucci purse or something...

 Diamondsoulz But I just beat freaking Halo 4 on Legen-- wait for it-- dary!

 SythisTaru Pirating and not pirating games are not mutually exclusive, some people have less money and want to put it towards specific companies and games.

@danielwd @SythisTaru If you cannot afford a game then you can go without instead of saying you will pirate just because you can't afford to buy it. Pirating a game isn't the same thing as if somebody steals food so they can eat.

 ad1x2  danielwd  SythisTaru

"Pirating a game isn't the same thing as if somebody steals food so they can eat"

well actually it is since instead of buying a $60 game that money is going towards food so they can eat things arent always that clear cut

 danielwd  SythisTaru I can't afford a 70" TV, but that doesn't mean I should go out and steal one.

 Landsharkk  danielwd  SythisTaru 

Although I do not support piracy. This argument isn't really that revelant here.

Stealing a 70inch tv is... stealing property. Someone lost something of value that will have to be replaced or re-imbursed by the owner.

Pirating a game is... duplicating intelectual property illegaly. Had you have no intention of buying the game, no one looses anything. While society sees it as criminal, it really is as criminal as renting a game or watching a tv show on youtube, the creators get nothing, instead of... nothing. Because 1 game pirated isn't really "1 sold game lost", far far FAR from it.

Now there are people that pirate just because they can, without considering their budget and if they would have bought it had they not been able to pirate it. That's different (imo).

Both sides of piracy shouldn't exist, but I wouldn't be so hard on the first one.

 Slash_out  danielwd  SythisTaru Ok, how about this.

If I can't afford something, it doesn't mean I should break the law to get it.

 Landsharkk   All my arguments above still stand, and I am still not saying it is alright, just that, and I quote " I wouldn't be so hard on the first one".

Or you could just see the world in black and white and all jaywalkers should appear in court and pay the maximum fine, and all ressellers would get 6 month in jail and a fine if they sold yellow margarine in Missouri.

Sometimes there are shades of greys for illegal acts.

 Slash_out  Landsharkk  danielwd  SythisTaru So if I saw a poster at a Walmart and really didn't want it, does that mean I can just take it? It's not the original print, it's just a copy. And technically if I take one, they can just make another copy to replace it, so it's really no loss on their end. Developers need to sell every copy that they can because making games isn't free. It's not like every copy they sell is all profit. They need that money to pay the rent on their building, pay the electric bill so they can use their computers and lights. They need to pay the salaries of their workers, for marketing, for distribution. They need to borrow that money to accomplish all of these things. Could you imagine if a programmer had to wait until after the game was completed and sold before he could get paid? We'd have a lot of starving, homeless programmers. For every copy that they sale is a small piece of that $75 million that gets paid back. If that money doesn't get paid back, then they get shut down. If I create something with the sole intention of selling it and you own a copy that was never purchased by any form what-so-ever, than that copy is stolen, even if it is a duplicate. I'm glad you don't support piracy. And you're right, people do pirate just because they can. In reference to the previous person, food is a necessity that you need to survive. A game is not a necessity. If you don't have it, you're not going to die, even though some people think so.

 richten71  Yup completly missed my points.

A poster is still not the same. I won' trepost the same arguments again. My previous posts stands on their own and I don't want to get in a long argument leading nowhere.