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I just got a pre approved Credit card.O BOY
fishkiller41
Member Posts: 50,608
With an APR of ONLY 23.90%[:0]
I been 54 years without a single credit card,I don't think i need one now.What say yee??
I been 54 years without a single credit card,I don't think i need one now.What say yee??
Comments
I think maxing it out and then filing bankruptcy is the proper thing to do nowadays
It's only got a $350 limit on it.Not even worth the trouble.
OOPS.$300 limit..
Some with a 5K limit.
Someday I just might get them all, max them out and skip the country.
Maybe move to Thailand.
Don't tell my wife.[:D]
She honestly swiped 15 cards before the machine found one that wasn't maxed out.
[V]barto[V]
Run it up to the max and pay it off the next day. Make them lose money.
They still get 3.5 to 5% on each transaction, but yes the people with 5 (or more) maxed out cards are their bread and butter.
a little on plastic..[^]
..One of the main reasons we have a paper shredder. It growls
a little on plastic..[^]
[;)]
Your interest rate will depend a lot on your existing credit rating. If you've never had a card, your rating might be so low that you can't get a "preferred" interest rate.
Oddly, paying one off every month is not the way to max your credit rating. You have to have some debt to get he best credit rating. (Yeah, I know; that's nuts.) It may be optimal for your credit rating to have a card and keep a small balance on it, paying off almost all your charges every month.
Be sure to never pay late or skip a payment, even if they say you can do that. Both are ruinous to your credit score.
Also since retiring last October I now no longer own a cell phone and I no longer wear a watch.
I would NEVER accept a credit card they simply sent me without an application from me. Having one is almost mandatory these days, but I'd research a few before I applied fr one.
Your interest rate will depend a lot on your existing credit rating. If you've never had a card, your rating might be so low that you can't get a "preferred" interest rate.
Oddly, paying one off every month is not the way to max your credit rating. You have to have some debt to get he best credit rating. (Yeah, I know; that's nuts.) It may be optimal for your credit rating to have a card and keep a small balance on it, paying off almost all your charges every month.
Be sure to never pay late or skip a payment, even if they say you can do that. Both are ruinous to your credit score.
..My wife pays off the credit cards every month. True that that's not the way to build ratings. I figure that car and truck payments make up for it. I haven't checked in years, but it was somewhere around 820 or so.
With an APR of ONLY 23.90%[:0]
I been 54 years without a single credit card,I don't think i need one now.What say yee??
Capitol One right. Get at least 2 of those a week.
Only ones I have and use. USAA and Navy Fed.
quote:Originally posted by fishkiller41
With an APR of ONLY 23.90%[:0]
I been 54 years without a single credit card,I don't think i need one now.What say yee??
Capitol One right. Get at least 2 of those a week.
Only ones I have and use. USAA and Navy Fed.
YEP.. "Capitol Bank"...
If you have just a little discipline, a credit card can get you free money for things you are purchasing every day anyways.
Yes, the cash back rewards are great. I pay for everything with credit cards and pay them off each statement. No different to me than using a debit card or cash. Plus I get money back. Don
I would NEVER accept a credit card they simply sent me without an application from me. Having one is almost mandatory these days, but I'd research a few before I applied fr one.
Your interest rate will depend a lot on your existing credit rating. If you've never had a card, your rating might be so low that you can't get a "preferred" interest rate.
Oddly, paying one off every month is not the way to max your credit rating. You have to have some debt to get he best credit rating. (Yeah, I know; that's nuts.) It may be optimal for your credit rating to have a card and keep a small balance on it, paying off almost all your charges every month.
Be sure to never pay late or skip a payment, even if they say you can do that. Both are ruinous to your credit score.
I'm with U Rocky.I think thats Y my "introductory" rate is so high. I have read all the fine print.I think, the best thing for me, right now,is to chuck it into the garbage.
I am honored that you would take notice and respond to my post sir.
I know that U wouldn't send a fellow Patriot astray..
As is for a lot of other GB Brothers.
I shred ALL unsolicited letters with insurance, credit, vacation or other offers. All an identity thief needs is a form with your name on it that can be filled out, and he's got you.
Don't just chuck it in the garbage. Chop it up or shred it.
I shred ALL unsolicited letters with insurance, credit, vacation or other offers. All an identity thief needs is a form with your name on it that can be filled out, and he's got you.
Roger that sir.. I'll go get it and "DISCARD" properly...
Yes, the cash back rewards are great. I pay for everything with credit cards and pay them off each statement. No different to me than using a debit card or cash. Plus I get money back. Don
If you work it right credit cards are a pretty good deal. By paying your recurring monthly bills with the credit card you are getting an interest free loan for a month, every month.
I live on a credit card. I have all my recurring bills set up for automatic payment on the credit card. I write one check a month to the Church. I pay the credit card with a credit union transfer.
I still have my USAA and NFCU cards, but I use the amazon.com (CHASE) account. I get back between 1? and 3? on the dollar in amazon.com free money. I'm gonna get me a free cast iron frying pan. [:)]
LMAO,,,,,,[:D],,,,,
It's a Lodge, MADE IN USA, Heat Enhanced and Seasoned Cast Iron Skillet. [:D]
quote:Originally posted by forgemonkey
LMAO,,,,,,[:D],,,,,
It's a Lodge, MADE IN USA, Heat Enhanced and Seasoned Cast Iron Skillet. [:D]
Yet you will drive clear across town to save .03 cents on a gallon of gas! Don
Don't just chuck it in the garbage. Chop it up or shred it.
I shred ALL unsolicited letters with insurance, credit, vacation or other offers. All an identity thief needs is a form with your name on it that can be filled out, and he's got you.
What I used to do was stick everything in Postage paid envelope and send it back to them Blank sometimes I would even put their competitors stuff in theirs.
With how many I'm getting now think I need to do that again.