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Credit Cards

Discussion in 'Money & Finance Forum' started by hotshot mcgee, Feb 16, 2005.

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  1. Feb 17, 2005 at 1:58 PM #31
    Savio

    Savio Freelance Pimp

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    don't listen to these clowns...


    Citibank Platinum Dividends Select
     
  2. Feb 17, 2005 at 2:02 PM #32
    Thelt

    Thelt Full Access Member

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    I may check that out.
     
  3. Feb 17, 2005 at 2:03 PM #33
    chipshot

    chipshot Full Access Member

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    care to share why it's better?
     
  4. Feb 17, 2005 at 2:11 PM #34
    The Brain

    The Brain Defiler of Cornflakes

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    :applause:
     
  5. Feb 17, 2005 at 2:16 PM #35
    TimTam

    TimTam El Chupacabra

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    this could have been taken care of in a pm to dollface. i mean the chick uses cigarette coupons and is too cheap to call Charlotte from Shelby (and instead pisses and moans about the company she needs to call not having an 800# and how it sucks to pay 5 cent for a local long distance call)... she must be a fiduciary wizard...but since I see that she only has attempted to attack me I will sum up her POV for you.

    [dollface] Don't get credit cards. They are there only to make you spend money on stuff you dont need. Don't get one, realize you need one, but dont get it out of protest. Save your money for life threateningly important stuff like wrestling tickets.[/dollface]

    dollface can also help you with the steps to filing bankruptcy
     
  6. Feb 17, 2005 at 2:16 PM #36
    hotshot mcgee

    hotshot mcgee Full Access Member

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    haha. this really made me laugh. anyways, i'm not trying to sneak around my parents, i actually spoke to them about this a few days ago. it seems to me from what everybody says that i oughta just keep the card i have, which i guess works for me. it is in my name, so i am accumulating a good credit history, as i have paid it off in full every single month for 3 years now. i talked to a few people that told me if i had multiple cards that were paid off every month i would gain flexibility down the road (which when i read that again makes little sense to me), but maybe its more trouble than its worth. i was just tempted by all of those gay david spade commercials. honestly, i don't see how people my age get into such bad credit card debt. with scholarships, student loans, jobs, campus jobs, parents helping kids pay for school and other means of income, i seriously think the average college student would have to be rather foolish to slide into debt. maybe thats just me...
     
  7. Feb 17, 2005 at 2:19 PM #37
    Thelt

    Thelt Full Access Member

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    I had a $500 credit limit when I was in college and it was the best thing I could have had.
     
  8. Feb 17, 2005 at 2:19 PM #38
    chipshot

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    It makes some sense. If you want to buy a house they like to see three lines of credit. Credit card, auto loan and something else. I don't think it's required but I was told that it helps.
     
  9. Feb 17, 2005 at 2:21 PM #39
    UNCdubya

    UNCdubya Full Access Member

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    Apparently your parents supported you during your education.
     
  10. Feb 17, 2005 at 2:21 PM #40
    The Brain

    The Brain Defiler of Cornflakes

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    Trust me... I built up some NASTY ass credit card debit and had to get myself out f it. I just finished this past December of running up somewhere around 7K in debt with a big ass interest rate topped on it. That was only one card. I've had others in the past I'd run up and pay off after some struggle. While I have a kick ass credit rating now, I was damn close to getting myself in a situation I couldn't get out of. I now don't by anything outside of a car and eventually a house that I don't have the money to pay for. And when I have to my debit card works just as good in the cases in which I need to order things.

    BTW- The "average" student doesn't alwys have theirparents help or scholarships, furthermore a student loan is worse than a credit card in some instances.
     
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