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Old 10-16-2006, 09:16 PM  
|Zach| |Zach| is offline
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Credit Card Advice
I have held off on credit cards for good long while now but I need to establish some credit. I think it would help out here and there to have a CC.

What is my best choice?

Not really best choice as much as most responsible choice credit card wise. There are a shit ton of options out there. Any advice?
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Old 10-17-2006, 01:38 AM   #31
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Quote:
Originally Posted by HemiEd
It is a vicious trap, run.

If establishing credit is the main goal, and not the convenience, I would recommend doing it some other way.

This is from a guy that has a pocket full of them, thanks to Mrs. Hemi.
Agreed Student loans are a great way to improve your credit the down side is if you get too far into them (like around 30K) it could be 30 years before you finish paying
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Old 10-17-2006, 01:38 AM   #32
Rausch Rausch is offline
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Quote:
Originally Posted by (Zach)
I have held off on credit cards for good long while now but I need to establish some credit. I think it would help out here and there to have a CC.

What is my best choice?
Don't.

You don't need them to maintain or establish credit...
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Quote:
"He had no teeth, and he was slobbering all over himself. I'm thinking, 'You can have your money back, just get me out of here. Let me go be an accountant." I can't tell you how badly I wanted out of there."
Denver rookie QB John Elway, on Jack Lambert, after Lambert and the Steelers knocked Elway out of his first game as a pro (1983).
Quote:
Originally Posted by rico
I wish I always ended up at gay bars.
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Old 10-17-2006, 01:40 AM   #33
DenverChief DenverChief is offline
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Originally Posted by frazod
my evil twat GF
I love you man!
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Old 10-17-2006, 01:40 AM   #34
luv luv is offline
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Quote:
Originally Posted by Rausch
Don't.

You don't need them to maintain or establish credit...
Hey teach, isn't it past your bedtime?
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Old 10-17-2006, 01:43 AM   #35
Rausch Rausch is offline
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Quote:
Originally Posted by luv
Hey teach, isn't it past your bedtime?
I can't sleep knowing I'll soon tie my credit to the woman in the other room.
















How will she ever forgive me?...
__________________
Quote:
"He had no teeth, and he was slobbering all over himself. I'm thinking, 'You can have your money back, just get me out of here. Let me go be an accountant." I can't tell you how badly I wanted out of there."
Denver rookie QB John Elway, on Jack Lambert, after Lambert and the Steelers knocked Elway out of his first game as a pro (1983).
Quote:
Originally Posted by rico
I wish I always ended up at gay bars.
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Old 10-17-2006, 01:45 AM   #36
luv luv is offline
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Quote:
Originally Posted by Rausch
I can't sleep knowing I'll soon tie my credit to the woman in the other room.






How will she ever forgive me?...
Don't ever let her go. If you do, you're ****ed.

Looking forward to the big day as it draws near?
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Old 10-17-2006, 01:46 AM   #37
Rausch Rausch is offline
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Quote:
Originally Posted by luv
Don't ever let her go. If you do, you're ****ed.

Looking forward to the big day as it draws near?
I've soiled myself a few times.

That normal?...
__________________
Quote:
"He had no teeth, and he was slobbering all over himself. I'm thinking, 'You can have your money back, just get me out of here. Let me go be an accountant." I can't tell you how badly I wanted out of there."
Denver rookie QB John Elway, on Jack Lambert, after Lambert and the Steelers knocked Elway out of his first game as a pro (1983).
Quote:
Originally Posted by rico
I wish I always ended up at gay bars.
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Old 10-17-2006, 01:47 AM   #38
DenverChief DenverChief is offline
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Quote:
Originally Posted by Rausch
I can't sleep knowing I'll soon tie my credit to the woman in the other room.



How will she ever forgive me?...

you're getting hitched? talk about don't do it
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Old 10-17-2006, 01:48 AM   #39
Rausch Rausch is offline
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Quote:
Originally Posted by DenverChief
you're getting hitched? talk about don't do it

Odds are I knocked her up at some point anyway.

I figure I'm saving money in the long run...
__________________
Quote:
"He had no teeth, and he was slobbering all over himself. I'm thinking, 'You can have your money back, just get me out of here. Let me go be an accountant." I can't tell you how badly I wanted out of there."
Denver rookie QB John Elway, on Jack Lambert, after Lambert and the Steelers knocked Elway out of his first game as a pro (1983).
Quote:
Originally Posted by rico
I wish I always ended up at gay bars.
Posts: 74,407
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Old 10-17-2006, 01:49 AM   #40
luv luv is offline
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Quote:
Originally Posted by Rausch
I've soiled myself a few times.

That normal?...
You're asking someone who's hardly ever dated, let alone gotten married. I have no clue what's normal.

Anyway, I've got "homework" to go work on. I'm only on page 36. I'll catch ya later.

Oh, and if she's the one that does the laundry, what do you care if you shit your drawers?
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Old 10-17-2006, 01:56 AM   #41
DenverChief DenverChief is offline
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Quote:
Originally Posted by luv
You're asking someone who's hardly ever dated, let alone gotten married. I have no clue what's normal.

Anyway, I've got "homework" to go work on. I'm only on page 36. I'll catch ya later.

Oh, and if she's the one that does the laundry, what do you care if you shit your drawers?

"homework"
Ok Ladies - "MALE HOTTIES" thread
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Old 10-17-2006, 01:56 AM   #42
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Quote:
Originally Posted by dtebbe
Amex Blue Cash is hands down the best card out there right now. No annual fee and the best cash-back rates available. My wife and I both have one and use it instead of cash or checks everywhere, then pay the bill in full at the end of the month. Last year we got over $700 cash back. And Amex is a great company to deal with if you ever have a problem.

The other card I carry is a Capital One No Hassle Visa, only use it when I can't use my Amex card. Stay away from Citibank, MBNA, and Chase, they are the biggest scumbags on earth IMHO. If you have a credit union, thier MasterCard and Visas are usually pretty good as well.

DT
I stopped reading after this post. Listen to this poster. Good advice.

Since you have no credit, you *might* have to start with a secured card then you will get offers left and right in the mail. I would start with a local credit union first if possible.

AMEX is the most respected card out there. If you want to build up some credit, that would be the way to go.


Dont be a dumb**** like I was and go on a spending spree and make late payments. If you can be responsible about this, then make it happen, if you have doubts. Then dont do it.
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Old 10-17-2006, 02:16 AM   #43
SLAG SLAG is offline
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how does buying a house affect your credit?
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Old 10-17-2006, 02:47 AM   #44
ChiefFan31 ChiefFan31 is offline
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Quote:
Originally Posted by SLAG02
how does buying a house affect your credit?
Your a rock star now. The bank will now front you for all the coke and whores you could possibly want



Really though, if you can get a home loan, your credit is good. Well at a decent interest rate of course.
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Old 10-17-2006, 05:28 AM   #45
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You may have already received this advice about credit cards.

When you recieve them, use a regular paper shredder. It usually does a pretty good job on them and helps protect you from the difficulties that credit cards frequently bring - especially to younger folks.

Save and pay cash for everything. Or at least as much as possible.

That's probably not what you want to hear, but it is the advice I have given my kids and grandkids.

Good luck.
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