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Originally posted by LuNaSeA it's good actually. credit card debt really does suck.. ot: the best thing to do if you want to build your credit is to just make small purchases and pay off the full balance every month.

agreed. if you sit there with your credit car without spending a dime you're APR will never go down and you'll have no credit history. When I got my first credit card (i got it along with my ATM card from Apple Bank, for students with a really low APR) and the women told me that having a credit card and not using it is worse than not having one at all, towards your credit history.

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My SpaceMySpaceMUSIC
Anti-Purple Alliance.

i have one, maxed it ou t then forgot about it for 2 years.... man i am living to regret that one......


but then the company sends me a new card? i was like wtf, i owed you guys 5000 bucks for 2 years and the only way you found me was cause you found my grandpas number in teh phone book lol.

so now they give me a new card, transfer what was left of my balance, and gave me a 5.8% rate on teh new one.

fuckin dumb bastards.... if i was them i would have taken me to the cleaners....

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Originally posted by pkcRAISTLIN I have 3 hobbies: gaming, DJing & correcting maladjusted fools on the internet.

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Originally posted by pkcRAISTLIN Yeah, I’d like to know what horrible, scarring incident in your childhood turned you into such an ignorant, intellectual-hating philistine?

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Originally posted by colonelcrisp i have one, maxed it ou t then forgot about it for 2 years.... man i am living to regret that one...... but then the company sends me a new card? i was like wtf, i owed you guys 5000 bucks for 2 years and the only way you found me was cause you found my grandpas number in teh phone book lol. so now they give me a new card, transfer what was left of my balance, and gave me a 5.8% rate on teh new one. fuckin dumb bastards.... if i was them i would have taken me to the cleaners....

Dude 5k is nothing to them, they waiting till your 60k in debt, then they will take you to the cleaners. Thats why they give you a new card, they know you will just spend it.

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Originally posted by Arbiter You're impressively stupid, that's for sure. I'd give you advice, but I cannot in good conscience take any action which could potentially increase the odds that you'll reproduce. I'm sorry.

Normal? Maybe. Good? Yes.

My limit's about 10k, and I've never used more than a small fraction of that. They just keep raising it. I guess they hope maybe I'll overspend and they'll get to charge me some interest. Not gonna happen, though.

They increase the limit because they know you're probably going to be good for it and might need it.

When I was in college I usually used to spend $200-300 a month on my credit card but used to keep on asking them to increase.

Twice a year I'd go on vacations and spend like $3k in a month - that's when the higher limits come handy.

Now that I've started working, I spend a lot more and put pretty much everything on the cards but pay it off in full every month. I'm addicted to collecting points & miles.

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I lost my sig

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Originally posted by Boomer187 ur crazy, put everything on your credit cards, you don't have to pay them back ever

How?

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Originally posted by SidMl They increase the limit because they know you're probably going to be good for it and might need it. When I was in college I usually used to spend $200-300 a month on my credit card but used to keep on asking them to increase. Twice a year I'd go on vacations and spend like $3k in a month - that's when the higher limits come handy. Now that I've started working, I spend a lot more and put pretty much everything on the cards but pay it off in full every month. I'm addicted to collecting points & miles.

I love your alliance.

Bash Street Kids FTW!

Hmmm... My visa isn't a credit card. It just holds the money on a certain account. The rest I have on a high interest account. Maybe it's a waste having cash on the visa account, when I get crappy interest and seldom use it :P

i have 45k on my accounts, and i use only maybe 300/month

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PRYDAddict | fiché au grand VANDITisme | jump the next plane to...EWR, TLV, LAX, LAS, SFO, DEN...

wow... i would spent it in a day.... np at all

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"...If one day you want to run away
Don't be afraid to call me.
I don't promise to ask you to stop,
But i can run with you. .."

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Originally posted by dbb Hmmm... My visa isn't a credit card. It just holds the money on a certain account. The rest I have on a high interest account. Maybe it's a waste having cash on the visa account, when I get crappy interest and seldom use it :P

you mean a checking account?

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My SpaceMySpaceMUSIC
Anti-Purple Alliance.

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Originally posted by Mindphaser wow... i would spent it in a day.... np at all

i don't think so...it's too long & hard to earn

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PRYDAddict | fiché au grand VANDITisme | jump the next plane to...EWR, TLV, LAX, LAS, SFO, DEN...