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I need Opinons....
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Well...
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Posted 18:2, 07/04/2010
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Ok... I’m seriously thinking about getting a credit card. I don’t know much about them and I don’t want to get into trouble with one. Is this a good or bad idea? What all can I use one for? Can u get cash back with one? I really am clueless on this idea…. So….
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dumb and dumber
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Posted 21:49, 07/04/2010
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Capital One: What's in yer wallet?
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Country Bumpkin
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Posted 21:58, 07/04/2010
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They are too expensive now. Wait till the rates go down. say under 7% and now if you are late in your payments there's another 17.9% - to 21.9 %penalty. Never get it paid off.
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Yoda_Joe_blie
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Posted 22:40, 07/04/2010
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Dont do it. Best bet is getting a Debit card from your bank. You can only spend what you have. Best way to stay safe. If you want one to get credit rateing. Buy small stuff. Keep a small ballance. Pay on time. If you dont thay will kill kittens and make you watch. Im not jokeing.
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pitbull
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Posted 8:0, 07/05/2010
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If this is your first credit card and you need credit but dont need the debt then get it and set the limit as low as one months paycheck maybe a thousand dollars. Use the credit card to pay for everything then right one check a month to pay your bills. That will build you credit and wont get you in deep water.
If its credit you need to buy something go to a bank, state employees credit union or something where you will understand the terms of the credit.
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Well...
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Posted 14:52, 07/05/2010
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Thanks...yea I need some credit. Everywhere I go people tell me no because I don't have credit! I would have to have a lot of self control with one. That's for sure...
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michelekibbler
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Posted 23:47, 07/05/2010
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When I first got my cc years ago, I would use it to establish credit, and I would make sure I had the money in the bank to pay it off immediately.
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