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I make over $100k/yr; credit cards are BS

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TridenT said:
Problem is that I need a car now. So, either I buy the car I want or I buy a clunker now for $3-4k. 🙁
Click to expand...
A clunker for $3-4k? Hell that's a daily driver for lots of people.

Seriously, if you need a car now get the clunker then save up for your $20k car. You make great money. There is no need for you to buy money for a car (getting a loan is literally buying money).

After you buy your $20k car sell your clunker for about what you have in it. You might even get more for it if you buy it right.

Sent from my overpriced smartphone
 
I don't put my wife on my credit card and vice versa, so I guess we're more along the lines of 10/24 🙂

EDIT:

Woot Woot! Just checked my Chase statement for my United Mileage Plus card I got 2 months ago.

+ 1 Mile per $1 earned on all purchases 3,998
+ Additional miles earned on United purchases 0
+ New cardmember bonus 50,000
Total miles transferred to United 53,998
Year-to-date miles earned on credit card 55,061
Click to expand...

Now onto the next one!
 
Love getting $80 cashback every month or two from our 2% double cash citi card. We don't spend outrageously, but have a family... easy money back for doing nothing.
 
TridenT said:
Got a credit card less than 7 months ago. Equifax credit score is 738. Couldn't get a car loan from lightstream for $20k. Idk what score I need. I might need to get a co-signer or something... I make over $100k/yr... and I can't get a car loan that equates to $350/month in payments? I literally have thousands of dollars left over every month after my necessary expenses...
Click to expand...

Lol. You're so clueless, or a liar, or both. Credit Karma doesn't count man. If you can prove your income and FICO to a car dealership, you'd be able to get almost any car you wanted.

zinfamous said:
you guys realize that TirdenT doesn't actually have a full-time job and doesn't make $100k/year, right?
Click to expand...

Haha basically.
 
Making some decent cashback this statement. 100k bonus from the Reserve. Will end up with over 20k in travel points earned this statement, maybe 30k, as I still need to book at least 2 more flights and another week of hotels. Thanks for another free vacation next year Chase.

Earning on next
statement

114,958 PTS
 
chimaxi83 said:
Lol. You're so clueless, or a liar, or both. Credit Karma doesn't count man. If you can prove your income and FICO to a car dealership, you'd be able to get almost any car you wanted.
Click to expand...

Yeah, I make less than $100,000/yr, owned a house, and had an apartment and I could have gotten an auto loan for $50,000. By the way, OP, don't you have a degree in Mathematics? Are you doing some sort of applied mathematical programming, or just "regular" stuff?
 
JSt0rm said:
yeah. When I bought my last car the guy jumped in his seat a little bit when my score of 830 popped up.
Click to expand...

It's fun because most people have bad or poor credit. It's pretty simply to establish credit. Whenever I buy something over $1000 I use the free financing, even though I could pay cash, and simply pay it off month by month ....one month before it's all due. That and paying off all my cards every month is the easy path to a credit score over 800 and when you have a score that high you can get some incredible deals.
 
dead_smiley said:
A clunker for $3-4k? Hell that's a daily driver for lots of people.

Seriously, if you need a car now get the clunker then save up for your $20k car. You make great money. There is no need for you to buy money for a car (getting a loan is literally buying money).

After you buy your $20k car sell your clunker for about what you have in it. You might even get more for it if you buy it right.

Sent from my overpriced smartphone
Click to expand...

Pretty much this.

And yeah I paid 5k for my car, and it's my daily driver. 😛 I put maybe 3k in it in more than 3 years so still cheaper than buying new and/or leasing/making payments.

zinfamous said:
you guys realize that TirdenT doesn't actually have a full-time job and doesn't make $100k/year, right?
Click to expand...

Yeah I have trouble believing it myself until he can actually prove it by posting a pay stub, even then for all we know he may have just gotten lucky with a temporary gig of sorts and it's not actually permanent. I see the odd ball high paying temp gig come up here at times, usually mining or construction related and typically in a fly in location.

One does not (typically) simply walk into a 6 figure job off the street. You typically have to work up the corporate rungs.

Ronstang said:
It's fun because most people have bad or poor credit. It's pretty simply to establish credit. Whenever I buy something over $1000 I use the free financing, even though I could pay cash, and simply pay it off month by month ....one month before it's all due. That and paying off all my cards every month is the easy path to a credit score over 800 and when you have a score that high you can get some incredible deals.
Click to expand...

Yeah any time someone has checked my credit they always get surprised too, but really it was not that hard to establish. I'd be curious to see what I'm at now actually. Last I checked I was at like 820ish. I think that particular scale went up to 850.
 
Seems I'll likely continue driving this clunker that I currently have. Really annoyed. It's terrible but it did just get new tires. So, that should help. I have to get it aligned here too... Keep forgetting that.
 
You have a bike. We know because you had a different brag thread where you bought some ladies shoes off Amazon. Mysteriously without a credit card. Just ride your bike.

How is your suit?
 
cbrunny said:
You have a bike. We know because you had a different brag thread where you bought some ladies shoes off Amazon. Mysteriously without a credit card. Just ride your bike.

How is your suit?
Click to expand...

I ride the bike here and there. Raining real hard here in the bay area. I haven't bought wet weather gear or accessories. (fenders, for instance)

Suit is fine.
 
Trident must really be in dire straights if he can't get a car loan, they give them out to just anyone pretty much.

Something about wearing a suit and riding a bike just doesn't jive with me.
 
I make less than $100k/yr and I have credit card limit of ... $17K

A $100K/yr is about $6k in cash per month, seems to be that TT could buy a car with ca$h
 
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