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InvisibleCloud9
I don't feel, and it feels great
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Registered: 07/03/03
Posts: 1,554
Loc: between here and there
Re: Got approved for a credit card! [Re: The Moose]
    #22489202 - 11/07/15 04:07 AM (8 years, 2 months ago)

yea i also read that letting it go for a month or two is better for building credit, making those payments is what establishes it, keeping it at zero each month just takes longer to build that way.


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OfflineThe Moose
Alces alces


Registered: 08/31/15
Posts: 2,389
Last seen: 1 year, 10 months
Re: Got approved for a credit card! [Re: Shiithead]
    #22489205 - 11/07/15 04:11 AM (8 years, 2 months ago)

Quote:

Shiithead said:
Your father has no balls.

Break the cycle.




WOAAH :doublefu:


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InvisibleShiithead
Your Huckleberry
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Registered: 04/05/13
Posts: 9,997
Loc: God's Flat Green Earth
Re: Got approved for a credit card! [Re: The Moose]
    #22489210 - 11/07/15 04:18 AM (8 years, 2 months ago)

jk :hug:


--------------------

Ephesians 6:12
For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.
Psalm 12:6
The words of the Lord are pure words: as silver tried in a furnace of earth, purified seven times.
Hebrews 11:3
Through faith we understand that the worlds were framed by the word of God, so that things which are seen were not made of things which do appear.
Revelation 3:11
Behold, I come quickly: hold that fast which thou hast, that no man take thy crown.


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OfflineThe Moose
Alces alces


Registered: 08/31/15
Posts: 2,389
Last seen: 1 year, 10 months
Re: Got approved for a credit card! [Re: Shiithead]
    #22489215 - 11/07/15 04:21 AM (8 years, 2 months ago)

:hug:

I'm absolutely fuckin trashed on a thurdays night lol


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InvisibleShiithead
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Posts: 9,997
Loc: God's Flat Green Earth
Re: Got approved for a credit card! [Re: The Moose] * 2
    #22489217 - 11/07/15 04:22 AM (8 years, 2 months ago)

its Saturday morning friend

:cookiemonster:


--------------------

Ephesians 6:12
For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.
Psalm 12:6
The words of the Lord are pure words: as silver tried in a furnace of earth, purified seven times.
Hebrews 11:3
Through faith we understand that the worlds were framed by the word of God, so that things which are seen were not made of things which do appear.
Revelation 3:11
Behold, I come quickly: hold that fast which thou hast, that no man take thy crown.


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InvisibleBodhi of Ankou
*alternate opinion blocks path*
Other

Registered: 06/02/09
Posts: 24,778
Loc: Soviet Canukistan Flag
Re: Got approved for a credit card! [Re: Shiithead]
    #22489361 - 11/07/15 06:55 AM (8 years, 2 months ago)

OPs credit scores gonna go from700 to 0 real quick.


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OfflinePatlal
You ask too many questions
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Registered: 10/09/10
Posts: 44,797
Loc: Ottawa Flag
Last seen: 7 hours, 36 minutes
Re: Got approved for a credit card! [Re: Shiithead]
    #22489491 - 11/07/15 08:01 AM (8 years, 2 months ago)

Quote:

Shiithead said:
300 dollar credit line!

You know what Hillary says, "Suck my clit and balls!"




Learn how to use it. Otherwise you'll fuck up.


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InvisibleDieCommie

Registered: 12/11/03
Posts: 29,258
Re: Got approved for a credit card! [Re: Shroomslip]
    #22489743 - 11/07/15 09:17 AM (8 years, 2 months ago)

Quote:

Shroomslip said:
If you want to build your credit there are other ways and better ways. One is getting a bank loan and paying it off on their plan, if the plan is for 12 months, you pay it off in 12 months regardless of whether you get the disposable income  2 months in. Becasue..
Quote:

The Moose said:
It'll help you out if you just spend like $20 and immediately pay it off.




This is wrong. You don't build credit (or much anyways) by taking out a loan (bank or credit card) and paying it off immediately. You build credit by making steady payments. The whole idea behind credit is that you can be trusted to make regular payments on whatever good/service they gave you. Someone gives you a credit line, they want to know you're reliable and will pay it off.






Why do you think this is wrong?  I pay off my credit cards every month, never had a bank loan of any kind.  My credit score is over 800.  I have a 20k limit on my credit card with a 5% interest rate. 

Taking a bank loan to get a better credit score might technically work, but its just plain fiscally stupid.


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Offlinenicechrisman
Interdimensional space wizard
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Registered: 11/07/03
Posts: 33,241
Last seen: 4 years, 6 months
Re: Got approved for a credit card! [Re: Shiithead]
    #22489762 - 11/07/15 09:21 AM (8 years, 2 months ago)

It's a trap!


--------------------
"Cosmic Love is absolutelely ruthless and highly indifferent:
it teaches its lessons whether you like/dislike them or not."

John C. Lily

 


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
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Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: Got approved for a credit card! [Re: Shiithead]
    #22489866 - 11/07/15 09:41 AM (8 years, 2 months ago)

Quote:

Shiithead said:
go capital one.

I got approved in 5 minutes :thumbup:





I keep getting those in the mail, I keep sending them back with a message that
reads "when you offer me 8% on a $10,000 credit line then I'm willing to talk"


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InvisiblePrisoner#1
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Re: Got approved for a credit card! [Re: nicechrisman]
    #22489869 - 11/07/15 09:42 AM (8 years, 2 months ago)

Quote:

nicechrisman said:
It's a trap!







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Offlinenicechrisman
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Re: Got approved for a credit card! [Re: Prisoner#1]
    #22489875 - 11/07/15 09:43 AM (8 years, 2 months ago)

I used to get SO fucking much junk mail from Capitol one that I will never do business with them. It got to the point where I was getting like 3 mailings a week from them. I started ripping out the part with my information and stuffing their BS back in the SESE and mailing it back to them.


--------------------
"Cosmic Love is absolutelely ruthless and highly indifferent:
it teaches its lessons whether you like/dislike them or not."

John C. Lily

 


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InvisiblePrisoner#1
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Re: Got approved for a credit card! [Re: nicechrisman]
    #22489905 - 11/07/15 09:52 AM (8 years, 2 months ago)

Quote:

nicechrisman said:
I started ripping out the part with my information and stuffing their BS back in the SESE and mailing it back to them.





that's kinda how I've been doing it, at least that way it costs them


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InvisibleAdden
I'm a teapot
Registered: 06/04/03
Posts: 39,201
Loc: Flag
Re: Got approved for a credit card! [Re: DieCommie]
    #22489991 - 11/07/15 10:12 AM (8 years, 2 months ago)

Quote:

DieCommie said:

Why do you think this is wrong?  I pay off my credit cards every month, never had a bank loan of any kind.  My credit score is over 800.  I have a 20k limit on my credit card with a 5% interest rate. 

Taking a bank loan to get a better credit score might technically work, but its just plain fiscally stupid.




No shit? Mines 22k at 4.1%. Took 16 years of building credit to get that and another to 15.5k. A few car loans here and there, steady payment of bills, never missed a beat. What I'll ever do with 37k credit line I don't know. We are above 800 but I only run my free yearly experian/transunion/equifax. I don't trust scores.

My credit union won't leave me the fuck alone about my auto loan. It's nice that it's at like 2.5% but it's still not better. Last time they called they started talking about a loan for a house. It's like Jesus Christ just call me for fraud protection and fuck off.

I'm only carrying a car loan to build credit. I mean why not, the interest is pennies on the dollar. I only put 100k in this credit union why do they think I need their money.


Edit speeling and Maths


Edited by Adden (11/07/15 10:18 AM)


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InvisibleDieCommie

Registered: 12/11/03
Posts: 29,258
Re: Got approved for a credit card! [Re: Adden]
    #22490003 - 11/07/15 10:15 AM (8 years, 2 months ago)

My wife's credit card has a higher limit and a lower rate.  Even though I somehow have a higher credit score...


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InvisibleAdden
I'm a teapot
Registered: 06/04/03
Posts: 39,201
Loc: Flag
Re: Got approved for a credit card! [Re: DieCommie]
    #22490027 - 11/07/15 10:21 AM (8 years, 2 months ago)

I've been meaning to ask for a stronger line of credit on the 22k platinum plus rewards Visa. It is a nice card. It's rewards got shittier over the years though. If you manage it right, they're paying you to use their card.

I have some friends that work in banking and finance. You know what they call people who pay off their balance? Deadbeats. :thumbup:

Lana said the best thing in Money Matters: banks and credit card companies only give money to people with money. Boy ain't that true when we were in our 40 degree house with no propane when we were poor and it was $7/gallon with a minimum purchase of 300 gallons. Jeeze.

That's why I ended up selling all of my silver (thank god I did when I did). Propane literally went from like a buck eighty nine to 7.67 or some such overnight. I was going to fill it the week before and was busy with work then boom. Fucked, starving, in -60 temps, love it.


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InvisiblePrisoner#1
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Registered: 01/22/03
Posts: 193,665
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Re: Got approved for a credit card! [Re: DieCommie]
    #22490478 - 11/07/15 11:59 AM (8 years, 2 months ago)

Quote:

DieCommie said:
My wife's credit card has a higher limit and a lower rate.  Even though I somehow have a higher credit score...





SEXISM. DESTROY THE PATRIARCHY!


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Invisibletrees
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Registered: 02/08/09
Posts: 9,194
Re: Got approved for a credit card! [Re: Prisoner#1]
    #22490489 - 11/07/15 12:02 PM (8 years, 2 months ago)

If your not careful like hundreds of millions of people, you'll become a real modern slave.


--------------------


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InvisiblePrisoner#1
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Posts: 193,665
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Re: Got approved for a credit card! [Re: trees]
    #22490496 - 11/07/15 12:03 PM (8 years, 2 months ago)

Quote:

trees said:
If your not careful like hundreds of millions of people, you'll become a real modern slave.





um... no.


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Invisibletrees
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Posts: 9,194
Re: Got approved for a credit card! [Re: Prisoner#1]
    #22490509 - 11/07/15 12:07 PM (8 years, 2 months ago)

Quote:

Prisoner#1 said:
Quote:

trees said:
If your not careful like hundreds of millions of people, you'll become a real modern slave.





um... no.




No? As if the billions of dollars that's owed to credit card companies doesn't matter?


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