Maybe its time I got a credit card.

[RockinZ28]

If you use your CC like a debit card you should not get into trouble. Dont charge more than your account balance. Once you start using your CC as a payday advance or short term loans for toys, is when they'll have you by the balls sooner or later.

I use my cc's for everything I formerly bought with the atm card now that I have enough of a limit to keep my average monthly expenses under 30% of the limit. No change in spending habits. Difference is I get 1-2% cashback on everything.

 

[Texashiker]

Basically what Texashiker is saying is that he's not financially responsible enough to use a CC.

I would rather not get into that debate again.

I feel that I am financially responsible, and that is why I do not have a credit card.

Like I said before, living a credit card free life is not for everyone. But its a life that I enjoy living. I do not like being in debt, for anything at anytime. Even if its just a $30 charge to go out to eat, I feel that I am indebted to someone else, and I do not like that feeling.

 

[Eos]

I would rather not get into that debate again.

I feel that I am financially responsible, and that is why I do not have a credit card.

Like I said before, living a credit card free life is not for everyone. But its a life that I enjoy living.

I know that I am financially responsible, and that is why I have a credit card.

Like I said before, living a life using credit cards is not for everyone. But its a life that I enjoy living.

:sneaky:

 

[QueBert]

do you live in jersey? that's the only place i've seen that.

Nope So Cal, in LA I can buy anything I want with cash and save a bundle.

 

[nick1985]

I would rather not get into that debate again.

I feel that I am financially responsible, and that is why I do not have a credit card.

Like I said before, living a credit card free life is not for everyone. But its a life that I enjoy living. I do not like being in debt, for anything at anytime. Even if its just a $30 charge to go out to eat, I feel that I am indebted to someone else, and I do not like that feeling.

lol @ u irl

 

[purbeast0]

while this thread is active, what is the best cc for travel rewards?

like ones where I could use to book trips on expedia or travelocity, or even just use it to book a flight or hotel directly from the airline or hotel company?

 

[SirStev0]

So... I tried getting my credit report through free annual and TransUnion but the tab for my "credit score" just goes to a blank page except for the option to purchase my score.

Whats the deal with that?

 

[SirStev0]

And here is another question:

I am still living on Med School Loans. When they ask for Gross Annual Income do I put what I take out?
And do I put down what I have to live off of or the total I take out (the living and the cost of school)?

We are technically forbidden from moonlighting as a med student so I make zero dollars, but when my biyearly student loans keep me more than comfortable.

I really just want to start accumulating credit and of course rewards when I fill up on gas and such. So I know its weird that I am using loans to pay off credit cards.

Thanks all.

 

[webdave]

So... I tried getting my credit report through free annual and TransUnion but the tab for my "credit score" just goes to a blank page except for the option to purchase my score.

Whats the deal with that?

Its a free annual credit report, not a score. You have to pay for the score.

 

[webdave]

And here is another question:

I am still living on Med School Loans. When they ask for Gross Annual Income do I put what I take out?
And do I put down what I have to live off of or the total I take out (the living and the cost of school)?

We are technically forbidden from moonlighting as a med student so I make zero dollars, but when my biyearly student loans keep me more than comfortable.

I really just want to start accumulating credit and of course rewards when I fill up on gas and such. So I know its weird that I am using loans to pay off credit cards.

Thanks all.

http://www.dailyfinance.com/2011/01/13/students-loans-as-income-to-get-credit-cards/

 

[AznAnarchy99]

http://www.dailyfinance.com/2011/01/13/students-loans-as-income-to-get-credit-cards/

I use my financial aid as my "income"

 

[SirStev0]

I used my financial aid / student loans as my income for the Chase Freedom card from Slickdeals.net. Looks like I got instant approved. Said I should have my card in two weeks.

Sooo... I guess I am good?

 

[jupiter57]

Why would I care what the APR is? I always pay off my card in full every month. For me the rewards are just like getting paid to buy stuff i would be getting even if I didn't have the card.

Basically what Texashiker is saying is that he's not financially responsible enough to use a CC.

Because there are a lot of people out there who can't handle the concept of paying off their credit cards in full every month who spout this dumbass shit to justify their own irreponsibility.

 

[SirStev0]

Its a free annual credit report, not a score. You have to pay for the score.

I figured that out. Should have edited the post away. Thanks anyways.

 

[RockinZ28]

I figured that out. Should have edited the post away. Thanks anyways.

The creditkarma site will give you a score. Think its an estimate, but I hear it's pretty accurate. You can check it every day too if you like.

The free annual ones are good to check since you can get the report from each bureau to ensure something negative or suspicious activity didn't appear. Since you can only check each once per year for free, it's good to check one every four months.