debt here i come
 

well, i just filled a Visa app. out and im approved. but im only 17. ( ring a bell sinister :P ) but, i got good income coming in, so i just plan on using this fine peice of hell for needful things, pay it off, then cut the bitch in half.

oh boy. :-\

Re:debt here i come
 

it will haunt u forever. when you get it rip it up!!!

Re:debt here i come
 

I am so reluctant to get a credit card. I know that I need to build credit someday, bt I really just don't want to. GL w/ that.

Re:debt here i come
 

well you see, this is good info. you probably got approved for about $500 right? then after you get a tank of gas or 2 on the card, then pay the $10 bill you get a few times, you will be able to call them and they will say, hey travis, just because you paid your bill on time, we will give you a $1500 credit limit. then you will be like hell yeah! then you will buy new ---- for your car, then you will get a $300 bill, and you will be like ohhh ----! i cant pay that. and then, from that point on, life as you know it will suck, and you will have no money for turbo parts or beer or bitches or anything.

ohh wait. this is my problem.

Re:debt here i come
 

Oh cool, I'm not the only dumbass. :D Isn't credit card debt wonderful? It's the American way. :)
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Re:debt here i come
 

i got a credit card, then lost my job, and still had a GF with a 5000 credit limit. :'( need i say more. although after 2.5 years of payment only 2 more payments left.

then its taking care of my wifes ----.... >:(

Re:debt here i come
 

well if u pay ur ---- on time every month like me then ur laughing

Re:debt here i come
 

yay!! that makes three!! thats the type of ---- thats making me sell all my toys. ----!! i hate credit!!

Re:debt here i come
 

if you don't have credit, get it! you're gonna need it one day when you go buy a house, aprtment, etc.

Re:debt here i come
 

I say destroy that bitch.

I got too much credit when I was young and I had to file for bancrupcy by age 24.I was $40k in debt :-\.Thats why now I try and buy ---- cash.The only thing I have out on credit right now is that F250 I just bought.And that was just couse I needed it...badly.

If you dont need it dont use it.

Re:debt here i come
 

Re:debt here i come
 

Hey cool, looks like we have one more thing in common. :D I give it another year(which would make me 24) and I'll be filing. I've got to pay my bike off and transfer the title to my mom and then file. I don't want them trying to take my bike away. :-\
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Re:debt here i come
 

I am glad I am not the only one on here in financial ruines. I make over 70k a year (can) and could barely afford to go to mcdonalds right now. I have almost one of everything and its new and highly modded but ---- do payment suck. I was doing ok till I bought a house got married and then the wife got a lower paying job :-\ But on the plus side I am buying a new lariet diesel f350 superduty in two weeks and lifting it 14 inchs this winter, somebody help me :-[

Re:debt here i come
 

lol, nice man. Actually, just yesterday I got a Mastercard and Visa too ::) People don't think I suppose.. I'll be doing the same as you, buying small ---- and paying it off in full, getting good credit. Even my sister said "I'll use this credit card for emergencies". Next thing you know, her $1000 limit is maxed out :-X Doh!

Good luck with it man, don't be stupid ;)

Re:debt here i come
 

I know you guys all say you're just going to buy small things and pay it off each month, but that's what I thought too. I was doing good for about a year, but they kept raising my limit and I saw that as an opportunity to spend more money. Now I have $17,000 worth of credit card debt. The minimum payments total around $500, which doesn't even move the total balance. If I were ta pay the minimum payment each month, it would take a good 15 years to pay off, so in order to get anywhere I would have to pay around $750 each month just to TRY to get it under control. Does that sound like fun? Watch yourself and watch what you buy. Don't spend the money thinking it's ok since you have time to pay it off and you have available credit. That will only ---- you in the ass in the long run. Keep it under control. This can't be stressed enough. You can think you're going to be resposible as much as you want, but thinking and doing are two different things. Don't say you weren't warned. :P Welcome to 90% of the American population which is in debt out of it's ass. ;)
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Re:debt here i come
 

haha, I've seen what debt does to people and I sure as hell don't want any part of it. My sister is in semi-deep, my step-father's ex-wife maxed out all the cards (and you know how the justice system works.. yeah, he got stuck with the ---- she still owns ::)).. I'll buy some small things, and maybe (just maybe) will buy something more than $30 on it. But I don't count on it :D

Re:debt here i come
 

im 27 yrs old, I never had a credit card and any type of credit when I got my first house. All I did is show them my income and the bills that I did pay. You just have to make sure that you don't have BAD CREDIT. Like not paying your phone bill on time or stupid shiet like that. Take care of all your parking tickets no matter how small they are. That is what is going to haunt you if you want good credit. I just got my second house and had no problem getting approved for it.

So all that BS about you need to have a credit card to build up your credit is not true. And I know that for a fact. 98ctr

PS: if you get your credit card, just be carefull.

Re:debt here i come
 

i'm tired of reading, but I just wanted to say credit cards own me! Toys, school, rent, car, every mutha ------ god damn thing= credit cards.

Oh and you say you'll pay it off at the end of the month, goodluck. At the end of the month you wil have 500 to pay it off or for a deal you came up on that you can't pass up. Or you just keep on spending, cause it seems like you have even more cash than you do. ---- credit cards. Lemme see, I just turned 21 and I already have 11 credit cards that I can remember. That ------' sucks balls. >:(

Re:debt here i come
 

I have a question about credit cards. If I get one but never use it for anything. Except for mabey a bag of chips at the gas station or something one in a while. Will I get good credit for that if I pay all my bills on time? Will I get better credit if I buy more or does it not matter?

Re:debt here i come
 

why don't you try to consolidate your debt to get rid of the insane interest charges??



And rule of thumb for everyone else, don't buy something on credit that you can't pay for within 2 months

Re:debt here i come
 

got you beat buddy...i filed for bankruptcy at age 188...ha ha!

Re:debt here i come
 

They had credit cards in the 1800's??

Re:debt here i come
 

I'm a little past that, buddy. ;)
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Re:debt here i come
 

travis, what have yo ubought on it so far. i know you have bought something.

Re:debt here i come
 

you have to use the card to build credit. You have to have something to pay off. If you have no balance on the card for months that's not really helping. Your idea of buying chips n ---- and paying it off at the end of the month is a good idea. Heck you could buy a playstation game and pay it off over 3 months. But don't get too 'happy'.

-Murdoc

Re:debt here i come
 

On your credit report it shows your highest balance, your current balance, your credit limit, and if your account is in good standing. Maxing the card out and paying it off will have different effects on your credit. Some creditors look at it like you are able to pay off your debt resposibly, but some look at it like you live beyond your limits and you might be a risk. Using less than 50% of your available credit can be a good thing. Just don't go overboard. If you are able to control yourself it would be a good idea to pay for all of your daily expenses with your credit card and saving your money to pay the bill off at the end of the month. If you don't feel you can control yourself, do not do this.
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Re:debt here i come
 

yeah im paying off my cc now. As soon as i get done paying them im only using them for emergencies thats it. I rather just worry about paying my car loan at the moment

Re:debt here i come
 

yeah that's what I was trying to say about using it for daily expense and paying off.

And boost brings up a very good point on the percentage of balance. It is a good idea to keep under 50% of your allowed credit. Maxing out is not good, and paying all in full can also be bad. Keeping a balance is good, just don't be like me and have 9 out of 11 cards maxed out.

Re:debt here i come
 

Woot! We should have a credit card debt party. :D I was signing up for new credit cards as the old ones were maxed out. The stupid thing was they were still accepting me and giving me new credit cards. :-\ Thank alot fuckers. >:(
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Re:debt here i come
 

------' boost, that's the same exact thing going on with me. All my cards are maxed out so I signed up for another, notice how I have a couple free. I have another offer on my desk here in front of me, mad temptations. And I just signed up for another one like 2 weeks ago :(

Re:debt here i come
 

clutch, pressure plate & release bearing ::)

Re:debt here i come
 

if I could get some kind of credit card that just takes my bill out of my bank account, and I deposit my check into the bank accout every payday then I would do alright, if not I'd get fucked, I always forget to go get money orders and send them out.

Re:debt here i come
 

Bahahahhaha, PwNeD :P
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Re:debt here i come
 

If you cant afford it you dont need it. I dont have an ounce of debt and are free to do what I like and not have bills over me head except rent,utilities,insurance.

Re:debt here i come
 

I say keep it and build some credit....Had a teacher get approved and all tho college he used it once a week to buy books or something and by the time he got out of college he had made really good credit. Just dont be dumb with it and you'll be fine.

Re:debt here i come
 

hey buddy boy, who's civic is running and driving with out problems..... Bahahahhaha, PwNeD :P

Re:debt here i come
 

Hey buddy boy, who has other cars to drive while working on there Honda? PwnEd. :P

And who is making payments on there car? Double PwNeD! :P :-*
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Re:debt here i come
 

In the car, I just cant wait...
To pick you up on our very first date
Is it cool if I hold your hand?
Is it wrong if I think it's lame to dance?
Do you like my stupid hair?
Would you guess I didnt know what to wear?
I'm just scared of what you'll think.
You make me nervous so I really can't eat

Lets go... don't wait... this nights almost over
Honest... lets make... this night last forever
Forever and ever... lets make this last forever
Forever and ever... lets make this last forever

When you smile, I melt inside
I'm not worthy for a minute of your time
I really wish it was only me and you
I'm jealous of everybody in the room
Please dont look at me with those eyes
Please dont hint that your capable of lies
I dread the thought of our very first kiss
A target that I'm probably gonna miss

Lets go... don't wait... this nights almost over
Honest... lets make... this night last forever
Forever and ever... lets make this last forever
Forever and ever... lets make this last forever

Lets go... don't wait... this nights almost over
Honest... lets make... this night last forever
Forever and ever... lets make this last forever
Forever and ever... lets make this last forever

Forever and ever... lets make this last forever
Forever and ever... lets make this last forever



thats for you Justin :-*