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Re:debt here i come
Originally Posted by d16forlife
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
Originally Posted by d16forlife
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. __________________ Best Car Insurance | Auto Protection Today | FREE Trade-In Quote |
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 :-[
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Re:debt here i come
Originally Posted by Travis
well, i just filled a Visa app. out and im approved. but im only 17. ( ring a bell sinister :P )
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. ;)
__________________ Best Car Insurance | Auto Protection Today | FREE Trade-In Quote |
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
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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?
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Re:debt here i come
Originally Posted by Dr.Boost
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. ;)
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 |
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