I Was Approved For My First Credit Card

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 9 years ago '06        #21
iCON-8 1 heat pts
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lmao at the credit being at 2100 .. yo step your game up to a 50k card and get to poppin off chats ..
 9 years ago '04        #22
DJ Maximum|M 51 heat pts51
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 youngvito18 said:
for 7 years.................

dont you get to start over again after that
no the negatives can come off everything except hospital bills and college loans but ur credit still aint gonna grow
 9 years ago '08        #23
get_ate 1 heat pts
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 hockeythug said:
at giving credit cards companies a free $5 every month for no reason. That advice is prolly propagated by the credit card companies.
Word.

I PAY OFF my entire balance every f**king month.

I'll be damned if they make money off me, especially with that unbelievably high a.ss interest they can somehow legally charge.

...carrying a balance and thinking it's actually good to give away your money .
 9 years ago '04        #24
ddash 1 heat pts
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^^^^^
So why use the credit card then?

If you have the money just pay for what you are buying. I agree that 21%and higher is raping people.


Last edited by ddash; 08-23-2009 at 09:03 PM..
 9 years ago '04        #25
J.BEEZY 11 heat pts11
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i donno my credit score but i got a lot of cards an pay em off every month...f**k leavin a balance and payin the company interest...all i use is my card if i can...the reason is i get a % back so its free money for me
 9 years ago '09        #26
mtva24 224 heat pts224
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 J-Schmoove said:
Man I can't get a credit card to save my life lol

got denied for a macys card once. I don't have any credit though...don't have a single cent of debt and I have a pretty good job so I guess they figure I would pay it off every month and they wouldnt make any money off of me


They was quick to offer me all kinds of cards when I was in college though lol
U could qualify for a first premier bank credit card...they r*pe in fees in the credit limit is s**t...but they report monthly which you need to get started...
 08-25-2009, 04:16 PM         #27
diplo 
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My APR is at 17%. Down from 27% when I first got it. APR/12 = monthly interest.

3 years later.
 9 years ago '04        #28
S|M 
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your utilization of credit should be around 7-9% in order to receive optimal positive effect on your FICO score. it's simple... if you have no utilization (pay off everything every month), the credit card companies don't see you as a viable a.sset (someone who they will make money off of).
 9 years ago '04        #29
S|M 
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 get_ate said:
Word.

I PAY OFF my entire balance every f**king month.

I'll be damned if they make money off me, especially with that unbelievably high a.ss interest they can somehow legally charge.

...carrying a balance and thinking it's actually good to give away your money .
carrying a balance all plays into getting as high of a FICO score as possible. people don't think about it, but paying a dollar more now might actually save you a hundred dollars down the line.
 08-30-2009, 03:03 PM         #30
bighin 
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dont use it put it in your pocket and never use it. Its a trap!
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