So.. I get my first paycheck in 1.2 week(s)

[Rip the Jacker]

And I don't have any bank account. I don't wanna be one of those people whose life has been fvcked by credit cards.

Any tips?

 

[jmdeathsquad]

1.cash check
2.buy hooker
3.profit?

 

[EyeMWing]

... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in hand.

 

[Rip the Jacker]

Originally posted by: EyeMWing
... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in hand.

I'm a complete noob to this.

 

[sash1]

I assume you're still in HS? I never had a bank account throughout high school. I just dealt with cash. I endorsed all my checks to my best friend and had him cash them for me.

If you really want to, just open a free checking/savings account. No credit cards involved

 

[EmperorIQ]

Originally posted by: EyeMWing
... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in hand.

... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in

just to reiterate

 

[Kung Lau]

1. Get a bank account.
2. Establish autodraft/allotment to pay yourself first. (10-20%)
3. Increase autodraft/allotment periodically with pay/cost of living increases.
4. Rinse, repeat.

 

[tfinch2]

Originally posted by: Rip the Jacker

Originally posted by: EyeMWing
... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in hand.

I'm a complete noob to this.

LOL you fail @ life.

 

[Sphexi]

Originally posted by: tfinch2

Originally posted by: Rip the Jacker

Originally posted by: EyeMWing
... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in hand.

I'm a complete noob to this.

LOL you fail @ life.

 

[Rip the Jacker]

Originally posted by: sash1
I assume you're still in HS? I never had a bank account throughout high school. I just dealt with cash. I endorsed all my checks to my best friend and had him cash them for me.

If you really want to, just open a free checking/savings account. No credit cards involved

No. Out of HS.

 

[sash1]

Originally posted by: Rip the Jacker

Originally posted by: sash1
I assume you're still in HS? I never had a bank account throughout high school. I just dealt with cash. I endorsed all my checks to my best friend and had him cash them for me.

If you really want to, just open a free checking/savings account. No credit cards involved

No. Out of HS.

 

[FoBoT]

you need a bank account
i think you can do direct deposit to a savings account

find a local credit union and join and get direct deposit to your account

 

[BRObedoza]

sign up for a checking account at a bank. how hard is that?

 

[KillerCharlie]

Wow, even I was ahead of you on that one... my Dad opened up a joint account with me while I was in HS. He also got a joint credit card. I used it for all my purchases and sometimes for bigger purchases that he would pay for - that built me some really good credit.

Just go to a bank and tell them you want to start checking account. Some banks make you also open a savings account at the same time; it's not a big deal. At most they'll charge you $10 per account. It's pretty painless.

 

[krunchykrome]

Originally posted by: Rip the Jacker
And I don't have any bank account. I don't wanna be one of those people whose life has been fvcked by credit cards.

Any tips?

LOL, PM me with all your questions.

I worked at a bank for 1 year and a half.

 

[RFtesla]

Washington Mutual ftw. Just go in and ask for the free checking and you're all set.

 

[her209]

How old are you OP?

 

[Bucks]

I fail to see how you even have a job, with such limited knowledge about the simplest things.

 

[trmiv]

You're out of high school, yet you have no idea how a bank account works? How do you find your way TO work?

 

[CTrain]

Heh, an employee of mine once asked me if she can get direct deposit without a bank.
Yes she was out of HS and just had a kid.

 

[sinucus]

dude, just visit all your local banks online and look for the "free checking account" and read the fine print. There are rules that you must follow or you will get dinged with fines. Also, setup an online savings account at HSBC or emigrantdirect or ING and send some money to that account EVERY paycheck. You can even have it auto-drafted. Don't touch the money in the savings account unless it's an emergency. Buying beer/pot/computer equipment/bling does NOT qualify as an emergency.

 

[Sqube]

Get a bank account.

You're not obligated by law to have a credit card if you have a bank account. And a credit card will not automatically ruin your life. It's called self-control. If you have some, get a credit card. If you don't, don't get a credit card.

As far as how to get a bank account... walk into a bank and ask about free checking accounts. If they don't have one, say thank you and walk out. Once you find a bank that has one, they'll be able to answer all of your questions.

 

[judasmachine]

get a checking account, and a bank card, and as for no over draft. you are your own accountant, and if you don't build even the slightest credit, you can kiss new cars and houses goodbye.

 

[SophalotJack]

Originally posted by: Rip the Jacker

Originally posted by: EyeMWing
... GET a bank account. You DO realize that bank accounts and credit cards don't go hand in hand.

I'm a complete noob to this.

You have to be sh!tting me.

I actually know mentally challgenged people who I (now actually) respect more than you....

Are you serious, OP?.... Like realllllly serious?


You better know how money works... it makes the world go round. Even tards know the deal.

 

[JBT]

Get a checking account and get a credit card. Don't spend like a jack ass with your credit card and pay it off every month and you will be fine.