So i'm gonna get a credit card?

alpinecowboy84

alpinecowboy84

Active member
i need to start building my credit, so i'm getting a credit card. the thing is, i don't know much about it...any suggestions on which one i should get. i'd like one with airline miles, and low apr...

jackson sucks. tell your friends.

15 years old... you cant even take the girl anywhere... you have to get laid in the back of your... bicycle? or bring your parents along... or get a ride... hey mommy, i need a ride over to my bitch's house so
 
good luck, skip the card and just get a co- sign on something like a laptop or something, i guess you get a card if you do it at best buy but just cut it up and pay off your computer or yeah get the point.

Just dip your dong in paint and smack your helmet with it.
 
yeah but i want a card. and i its the miles i really want, even if it takes 8 years for a flight across the street.

jackson sucks. tell your friends.

15 years old... you cant even take the girl anywhere... you have to get laid in the back of your... bicycle? or bring your parents along... or get a ride... hey mommy, i need a ride over to my bitch's house so
 
Ahhhhh try and avoid them. It feels like free money but its not.

And then the interest bites you in the ass.

Unless of course your gonna buy some skis with them.

 
credit cards are great, it allows me to get all the ski gear I want throughout the winter and I just gotta work my ass off in the summer to pay them off. Your first creditcard expect a real shitty A.p.r. But even a 10% apr isnt the end of the world. Annual percentage rate means you're only paying 1/12th the percentage of your apr of your balance each month. so if you owe 1000$ have a 10% apr you'll pay less than 10$ a month in credit charges. Granted you'll never pay off your principal making minumum payments but who cares that's what summers for.

I have a few cards at the moment, some cards have introductory balance transfer offers (kicks ass) for instance I have say 2000 racked up on one card and my new card has a good introductory balance transfer say of 1.9%. I can transfer the 2000$ in debt to my other card and be only paying 1.9% in finance charges as long as I dont swipe anymore on my new card until that principal is paid. BUT if I'm making minimum payments on it I'm only paying 3.16$ per month!!! That means I can pay a little throughout the school year and really attack the debt in the summer time.

There are plenty of ways to work the system when it comes to credit cards, my only advice to you is NEVER ever NEVER ever make a payment late, once you do they have you by the balls. all the introductory offers and rates get flushed down the toilet and you're gonna pay out the ass and destory your credit simotaneously

We pay our debt sometimes.
 
I did the credit card thing when I turned 18 and fucked myself fast with biking stuff. Just be carefull and like others said, NEVER miss a payment. They will jack your interest rate huge. My favorite card is my Bank of America card. Really nice APR and great online setup for paying your bills. I also use Discover card for fixing my car and then paying off right away because I get a Cash back bonus. Citibank is pretty dece too, but if you change your banking info they make you wait 6 days for it to process which has made me miss my payments before. My suggestion is get one with a low limit for buying shit to pay off and having as a deposit for hotels and stuff.

 
i got me a credit card and i love it

'dont jizzz in a hot tub youll have sperm the size of salmon in a week.'

-Astomp17

My time is winding down.............just wait for it
 
what are you guys talking about credit cardsis just free money. why would you pay back free money?

just spend and never look back

 
the weird thing about a credit history though is that its based on what percentage of your limit you use up each month or year or whatever. So technically, you can get a better credit history if you have like 8 cars and only use 1 of them because you're using a low percentage. But i know that wouldnt be a good idea for me, just stating how it is.

I ski Killington

College passes are awesome
 
fuckin rite as soon as im 18 im getting one taking out 100 bux putting it back in then bam ill do that every month till have a decent credit rating then ill do the same with like 2 ore cards and as soon as i take it out illput it rite back in. ne one see ne flaws with that ??

---------------

Is it something i said so fuck you to.
 
your wasting money. every time you use your credit card and pay it back your using money for nothing cause your paying whatever the yearly cost for the card is plus APR.

 
i have two soundtrack credit cards, and both of them have this deal with no interest for a certain period of time. if you just buy small things and pay them off before you have to pay interest, then the credit card company is actually losing money because of you (i love this thought).

unfortunately, i also have a regular visa that is almost maxed out, and the finance charge is fucking kicking my ass, and it's pretty much fucking with my credit. so it could go either way. just be careful

-Strode

Only in my sweetest dreams do my streams lack troubled waters, shallow pools full of shallow fools...
 
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