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credit card bills

Naraku4656

By Naraku4656
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quebecelegy Star

quebecelegy

Posted
Posted

i went to the bank yesterday and was given an appointment cause i qualified for a credit card.

i just lolnoped because i dont even have enough for the deposit you have to make for them.

Naraku4656 Monster Mutant

Naraku4656

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  • Author
Posted

i went to the bank yesterday and was given an appointment cause i qualified for a credit card.

i just lolnoped because i dont even have enough for the deposit you have to make for them.

i've never had to make a deposit for a credit card. was it a secured line?

PhilosipherStoned Monster Mutant

PhilosipherStoned

Posted
Posted

credit cards are useless unless you are trying to build your credit.. There is a lot of good credit lines these days,

 

but there are also still plenty of credit cards out there designed for failure (on your part anyway) Unless you are

 

the kind of person that can max out a credit card because you know you are about to have a large sum of money

 

coming in soon there are plenty of better ways to build your credit. I actually have been able to make large

 

credit card purchases the last few years knowing I'd get a large check or something before the bill is due,

 

I'm still not a fan of credit cards.. I have one from Chase for Amazon Rewards, and one from Sears,

 

both made items I bought cheaper as incentive to get them so.. That's why I have them.

Naraku4656 Monster Mutant

Naraku4656

Posted
  • Author
Posted

credit cards are useless unless you are trying to build your credit.. There is a lot of good credit lines these days,

 

but there are also still plenty of credit cards out there designed for failure (on your part anyway) Unless you are

 

the kind of person that can max out a credit card because you know you are about to have a large sum of money

 

coming in soon there are plenty of better ways to build your credit. I actually have been able to make large

 

credit card purchases the last few years knowing I'd get a large check or something before the bill is due,

 

I'm still not a fan of credit cards.. I have one from Chase for Amazon Rewards, and one from Sears,

 

both made items I bought cheaper as incentive to get them so.. That's why I have them.

 

eh i don't know how much i agree with that. it's a lot easier tracking your purchases with credit than with cash. i can literally think of less than 10 times i've actually needed to use cash in the last 5 years. i do agree that the high APR ones are designed to screw people who can't manage a checkbook. i have one for cashback, one for cashback on other things the first doesn't do so well, and the third really only for emergencies

Naraku4656 Monster Mutant

Naraku4656

Posted
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Why do you need 3 :|

i have one for cashback which is my main card, one for cashback on other things the first doesn't do so well, and the third really only for emergencies that i rarely ever touch. also one of them is really old and i can't close it because it's my oldest.

PhilosipherStoned Monster Mutant

PhilosipherStoned

Posted
Posted

Trust me my credit score is still 707 even though I;ve been told that due to my mortgage loan, and the loan I had

to take out to let this company reinforce my house with their highgrade garbage has made it harder for me to get

anything  really pricy to be financed... eh I'm satisfied with the work they did, but Ihad to finance another loan on top

of my mortgage for it and that dropped my credit score alot..even though I pay all my bills on time and sometimes

pay 3 times the amount I owe to stay ahead. I can keep track of all my purchases with a friggin debit card.. I love my

bank though. credit CARDS are uneccesary is all I'm saying. I have a hard time believing you NEED 3, but if it works

for you, and you arent paying ANY apr then more power to you.. If your using credit cards JUST to keep better track

of your spendings and you are ok with a little apr on basic everyday purchases then I gotta say you should rethink that.  :|

molarbear Hero

molarbear

Posted
Posted

Trust me my credit score is still 707 even though I;ve been told that due to my mortgage loan, and the loan I had

to take out to let this company reinforce my house with their highgrade garbage has made it harder for me to get

anything  really pricy to be financed... eh I'm satisfied with the work they did, but Ihad to finance another loan on top

of my mortgage for it and that dropped my credit score alot..even though I pay all my bills on time and sometimes

pay 3 times the amount I owe to stay ahead. I can keep track of all my purchases with a friggin debit card.. I love my

bank though. credit CARDS are uneccesary is all I'm saying. I have a hard time believing you NEED 3, but if it works

for you, and you arent paying ANY apr then more power to you.. If your using credit cards JUST to keep better track

of your spendings and you are ok with a little apr on basic everyday purchases then I gotta say you should rethink that.  :|

 

Keep in mind you're arguing with an accountant that is constantly in fear he'll lose his job and also apparently broke none stop. 

 

I don't hate the kid but Accounting may not be his forte

 

 

 

Gyaos Centurion

Gyaos

Posted
Posted

I typically use my credit cards to buy things between $10-$25. I never go beyond that.

 

The biggest debt I have ever had to pay back was for my EMT classes (around $1,000 in loans, not including fees that I paid with money I saved up). I don't like going beyond that. Unless I can get a good deal to pay something off with my good credit, I only use the cards to pad my credit score with low-cost purchases.

 

I know people who've used their cards to pay off $200 in bills. FUCK that.

Naraku4656 Monster Mutant

Naraku4656

Posted
  • Author
Posted

Keep in mind you're arguing with an accountant that is constantly in fear he'll lose his job and also apparently broke none stop. 

 

I don't hate the kid but Accounting may not be his forte

i'm not an accountant

Naraku4656 Monster Mutant

Naraku4656

Posted
  • Author
Posted

Trust me my credit score is still 707 even though I;ve been told that due to my mortgage loan, and the loan I had

to take out to let this company reinforce my house with their highgrade garbage has made it harder for me to get

anything  really pricy to be financed... eh I'm satisfied with the work they did, but Ihad to finance another loan on top

of my mortgage for it and that dropped my credit score alot..even though I pay all my bills on time and sometimes

pay 3 times the amount I owe to stay ahead. I can keep track of all my purchases with a friggin debit card.. I love my

bank though. credit CARDS are uneccesary is all I'm saying. I have a hard time believing you NEED 3, but if it works

for you, and you arent paying ANY apr then more power to you.. If your using credit cards JUST to keep better track

of your spendings and you are ok with a little apr on basic everyday purchases then I gotta say you should rethink that.  :|

i've never paid anything in credit card APR

Ginguy Freakin Mutant

Ginguy

Posted
Posted

Credit cards aren't bad as long as you have the money to pay em off. It is when you are a college kid and you get one and have no real income but run it up and then have to make high interest payments that they become a trap.

 

Naraku4656 Monster Mutant

Naraku4656

Posted
  • Author
Posted

Credit cards aren't bad as long as you have the money to pay em off. It is when you are a college kid and you get one and have no real income but run it up and then have to make high interest payments that they become a trap.

and i do but it still sucks

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