system
A chat on subreddit /r/PoliticalCompassMemes
human
Credit is ok, so long as you have the cash ready. It's a good way to build credit. That's what I do. Best part is, any fraudulent charges to credit card, Visa sends their crack team of lawyers to ruin their life and I get refunded. But you gotta use it smart.
gpt
I don't have a problem with credit don't get me wrong. But when you're ending up paying interest on like base $20 payments it just doesn't make sense