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Now with extra singles!
my old stuff, not quite up to snuff - but I still dig it - UPDATED 9/23/2012

quote:

Originally posted by Meat187 Do you want a credit card or a credit card? If it's the latter, stay away from it.

A card for emergencies, I would opt for a very low limit ($500-$1000).

quote:

Originally posted by Joss Weatherby I have no credit file. I do not exist in the system.

fuck I love Dale.

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quote:

Originally posted by ziptnf I probably wake up QWOPing.

At least watch the movie I posted before you decide to get anything. You should also watch this: http://www.pbs.org/wgbh/pages/frontline/creditcards/

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Now with extra singles!
my old stuff, not quite up to snuff - but I still dig it - UPDATED 9/23/2012

quote:

Originally posted by EddieZilker At least watch the movie I posted before you decide to get anything. You should also watch this: http://www.pbs.org/wgbh/pages/frontline/creditcards/

I have that movie queued up in Netflix. Been meaning to watch it, I'll be sure to do so before I decide.

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quote:

Originally posted by ziptnf I probably wake up QWOPing.

If you're responsible enough to handle it, go for it. I've been using my credit card for about seven years now, and in that time I've paid $0 in interest and $0 in fees while receiving roughly $4,000 cash back. Not much downside to that.

quote:

Originally posted by Arbiter If you're responsible enough to handle it, go for it. I've been using my credit card for about seven years now, and in that time I've paid $0 in interest and $0 in fees while receiving roughly $4,000 cash back. Not much downside to that.

this. there are plenty of credit card programs that are willing to give you money to use their credit card. also being responsible with the credit card is key, such as paying your credit card on time and not spending more than you make.

also don't get scared of credit cards that have annual fees until you read the perks you receive for being a part of the program. sometimes the perks outweigh the fee.

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quote:

Originally posted by Arbiter If you're responsible enough to handle it, go for it. I've been using my credit card for about seven years now, and in that time I've paid $0 in interest and $0 in fees while receiving roughly $4,000 cash back. Not much downside to that.

+1. I need one to make international purchases online.

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quote:

Originally posted by Ian check the fees on them to make sure they suit you and make sure you have the funds to pay them off before every purchase. Doing so in full each month will definitely help your credit score.

No it won't. The way to build your credit score is to make sure your balance is always below 50% of the maximum limit and, if what you owe is below 50%, to always pay double the minimum payment.

Being afraid of credit cards is stupid. Just be responsible with it and you won't have any problems at all.

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Quarantine Classics Brunello di Montalcino (In Transit) Edition [Progressive Classics] (August 2020)
Quarantine Classics - Puligny-Montrachet Edition [Progressive Classics] (April 2020)
What Is Progressive Anyways? [Progressive House Classics] (November 2019)

1. dont buy what you cant afford. simple. dont carry a fucking balance
2. go visa, amex is shit - i have both cards
3. some banks/cards will have some gimmick bullshit read through the different "vanity" type cards, maybe get one that suits you.
4. the end. if you just want credit rating, replace your habits you do with cash with card - gas, food, etc. and pay off.

quote:

Originally posted by Lews Being afraid of credit cards is stupid. Just be responsible with it and you won't have any problems at all.

this. credit card fear is a false sense hovering over your head.

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just get a card with a 500$ limit, use it to pay grocery and reimburse it online when you arrive home (or on your iphone if you can).

This is enough to build your credit.

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quote:

Originally posted by LeopoldStotch credit card fear is a false sense hovering over your head.

If you're financially situated to afford it, they shouldn't be a problem. If you're barely making ends meet, you're better off without one. You should also be aware that there are credit card companies that don't want you as a customer if you cost them more money than they can take in from you. Make sure you look at your terms and read every piece of mail they send you.

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Now with extra singles!
my old stuff, not quite up to snuff - but I still dig it - UPDATED 9/23/2012