Current Events > Do any of you not have a credit card?

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CedarPointcp 09/12/17 11:28:46 PM #1:	What percent of you on here don't have a credit card? I don't have a credit card i don't have a debit card i don't have both i do have both View Results topic --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886501320] in Do any of ... [t:75769006]...</cite> <quote> What percent of you on here don't have a credit card? I don't have a credit card i don't have a debit card i don't have both i do have both View Results topic</quote> ... Copied to Clipboard!
Itachi157 09/12/17 11:30:45 PM #2:	I have one but I don't ever really let the money I owe add up and usually pay it all in one go every time. I mostly got it for security so if my card info ever gets stolen (like online or in a store) they're not directly getting my money <cite>Itachi157 posted [p:886501399] in Do any of ... [t:75769006]...</cite> <quote>I have one but I don't ever really let the money I owe add up and usually pay it all in one go every time. I mostly got it for security so if my card info ever gets stolen (like online or in a store) they're not directly getting my money</quote> ... Copied to Clipboard!
RebelElite791 09/12/17 11:33:10 PM #3:	A good portion of CE is super insecure and afraid of credit cards for some reason. --- http://i.imgur.com/MS5SvzN.gif https://i.imgur.com/ahQpG57.jpg <cite>RebelElite791 posted [p:886501511] in Do any of ... [t:75769006]...</cite> <quote>A good portion of CE is super insecure and afraid of credit cards for some reason.</quote> ... Copied to Clipboard!
LinksLiege 09/12/17 11:33:46 PM #4:	I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible. Just can't be bothered to try. Debit works. --- This is LinksLiege's signature. It is fantastic. <cite>LinksLiege posted [p:886501532] in Do any of ... [t:75769006]...</cite> <quote>I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible. Just can't be bothered to try. Debit works.</quote> ... Copied to Clipboard!
RebelElite791 09/12/17 11:34:22 PM #5:	LinksLiege posted... I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible. Just can't be bothered to try. Debit works. How to use it effectively? Swipe card. Pay off before due date. Literally easier and safer than debit FFS --- http://i.imgur.com/MS5SvzN.gif https://i.imgur.com/ahQpG57.jpg <cite>RebelElite791 posted [p:886501567] in Do any of ... [t:75769006]...</cite> <quote><cite>LinksLiege posted...</cite> <quote>I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible. Just can't be bothered to try. Debit works.</quote> How to use it effectively? Swipe card. Pay off before due date. Literally easier and safer than debit FFS</quote> ... Copied to Clipboard!
Chama 09/12/17 11:35:28 PM #6:	I didn't have one until last year. --- But the 9/11 buildings got destroyed in the 9/11 thing - xyphilia <cite>Chama posted [p:886501613] in Do any of ... [t:75769006]...</cite> <quote>I didn't have one until last year.</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:38:05 PM #7:	RebelElite791 posted... LinksLiege posted... I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible. Just can't be bothered to try. Debit works. How to use it effectively? Swipe card. Pay off before due date. Literally easier and safer than debit FFS i use mine for large purchases and pay it off for months at a time. credit is nearly 800 <cite>AlternativeFAQS posted [p:886501719] in Do any of ... [t:75769006]...</cite> <quote><cite>RebelElite791 posted...</cite> <quote><cite>LinksLiege posted...</cite> <quote>I've wanted to get one and look up a guide on how to use it effectively, because I know it's possible. Just can't be bothered to try. Debit works.</quote> How to use it effectively? Swipe card. Pay off before due date. Literally easier and safer than debit FFS</quote> i use mine for large purchases and pay it off for months at a time. credit is nearly 800</quote> ... Copied to Clipboard!
Medussa 09/12/17 11:39:33 PM #8:	i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. --- Boom! That's right, this is all happening! You cannot change the channel now! Act now! Venchmen are standing by for your orders! <cite>Medussa posted [p:886501786] in Do any of ... [t:75769006]...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> ... Copied to Clipboard!
LinksLiege 09/12/17 11:39:55 PM #9:	RebelElite791 posted... How to use it effectively? Swipe card. Pay off before due date. Literally easier and safer than debit FFS I was talking which card to get, comparing the extra rewards, etc. lol me so dum for want to research --- This is LinksLiege's signature. It is fantastic. <cite>LinksLiege posted [p:886501804] in Do any of ... [t:75769006]...</cite> <quote><cite>RebelElite791 posted...</cite> <quote>How to use it effectively? Swipe card. Pay off before due date. Literally easier and safer than debit FFS</quote> I was talking which card to get, comparing the extra rewards, etc. lol me so dum for want to research</quote> ... Copied to Clipboard!
CedarPointcp 09/12/17 11:40:01 PM #10:	Medussa posted... i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. why can't you get approved dude? --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886501807] in Do any of ... [t:75769006]...</cite> <quote><cite>Medussa posted...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> why can't you get approved dude?</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:40:36 PM #11:	CedarPointcp posted... Medussa posted... i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. why can't you get approved dude? the older you get without having a line of credit the harder it gets <cite>AlternativeFAQS posted [p:886501828] in Do any of ... [t:75769006]...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>Medussa posted...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> why can't you get approved dude?</quote> the older you get without having a line of credit the harder it gets</quote> ... Copied to Clipboard!
CedarPointcp 09/12/17 11:42:08 PM #12:	AlternativeFAQS posted... CedarPointcp posted... Medussa posted... i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. why can't you get approved dude? the older you get without having a line of credit the harder it gets really? i've never heard this, so if you're like 35 with no credit then no place will approve you? --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886501898] in Do any of ... [t:75769006]...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>Medussa posted...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> why can't you get approved dude?</quote> the older you get without having a line of credit the harder it gets</quote> really? i've never heard this, so if you're like 35 with no credit then no place will approve you?</quote> ... Copied to Clipboard!
Airhammy 09/12/17 11:43:27 PM #13:	I've never had a credit card, and will likely never get one. My sister has had them, and handles them poorly. The credit union I'm a member of issues debit cards, so I have one of those. Other than this I have purchased pre-paid Visas or Mastercards for online purchases (mostly Amazon). --- http://air-hammer.deviantart.com/ <cite>Airhammy posted [p:886501955] in Do any of ... [t:75769006]...</cite> <quote>I've never had a credit card, and will likely never get one. My sister has had them, and handles them poorly. The credit union I'm a member of issues debit cards, so I have one of those. Other than this I have purchased pre-paid Visas or Mastercards for online purchases (mostly Amazon).</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:43:27 PM #14:	CedarPointcp posted... AlternativeFAQS posted... CedarPointcp posted... Medussa posted... i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. why can't you get approved dude? the older you get without having a line of credit the harder it gets really? i've never heard this, so if you're like 35 with no credit then no place will approve you? no, you should be able to get some crappy one. something with a very low limit and high APR <cite>AlternativeFAQS posted [p:886501957] in Do any of ... [t:75769006]...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>Medussa posted...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> why can't you get approved dude?</quote> the older you get without having a line of credit the harder it gets</quote> really? i've never heard this, so if you're like 35 with no credit then no place will approve you?</quote> no, you should be able to get some crappy one. something with a very low limit and high APR</quote> ... Copied to Clipboard!
CedarPointcp 09/12/17 11:44:43 PM #15:	AlternativeFAQS posted... CedarPointcp posted... AlternativeFAQS posted... CedarPointcp posted... Medussa posted... i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. why can't you get approved dude? the older you get without having a line of credit the harder it gets really? i've never heard this, so if you're like 35 with no credit then no place will approve you? no, you should be able to get some crappy one. something with a very low limit and high APR but if you pay it off every month then it doesn't cost you more right? even with a high apr? --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886502007] in Do any of ... [t:75769006]...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>Medussa posted...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> why can't you get approved dude?</quote> the older you get without having a line of credit the harder it gets</quote> really? i've never heard this, so if you're like 35 with no credit then no place will approve you?</quote> no, you should be able to get some crappy one. something with a very low limit and high APR</quote> but if you pay it off every month then it doesn't cost you more right? even with a high apr?</quote> ... Copied to Clipboard!
Medussa 09/12/17 11:45:56 PM #16:	AlternativeFAQS posted... CedarPointcp posted... Medussa posted... i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me. why can't you get approved? the older you get without having a line of credit the harder it gets plus, my current job doesn't pay a lot. i have almost no expenses, but the actual dollars in is only a couple hundred a month. --- Boom! That's right, this is all happening! You cannot change the channel now! Act now! Venchmen are standing by for your orders! <cite>Medussa posted [p:886502060] in Do any of ... [t:75769006]...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>Medussa posted...</cite> <quote>i never wanted one, so I didn't get one when it was easy. now that I could really use one, my banks won't approve me.</quote> why can't you get approved?</quote> the older you get without having a line of credit the harder it gets</quote> plus, my current job doesn't pay a lot. i have almost no expenses, but the actual dollars in is only a couple hundred a month.</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:46:50 PM #17:	yeah as long as you pay it off every month interest shouldnt affect you. keeping the utilization at around 15-20 percent is the best way to improve your score though <cite>AlternativeFAQS posted [p:886502097] in Do any of ... [t:75769006]...</cite> <quote>yeah as long as you pay it off every month interest shouldnt affect you. keeping the utilization at around 15-20 percent is the best way to improve your score though</quote> ... Copied to Clipboard!
Medussa 09/12/17 11:46:54 PM #18:	AlternativeFAQS posted... no, you should be able to get some crappy one. something with a very low limit and high APR but that bs is exactly why I never got one in the first place. --- Boom! That's right, this is all happening! You cannot change the channel now! Act now! Venchmen are standing by for your orders! <cite>Medussa posted [p:886502101] in Do any of ... [t:75769006]...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote> no, you should be able to get some crappy one. something with a very low limit and high APR</quote> but that bs is exactly why I never got one in the first place.</quote> ... Copied to Clipboard!
CedarPointcp 09/12/17 11:48:41 PM #19:	Medussa posted... AlternativeFAQS posted... no, you should be able to get some crappy one. something with a very low limit and high APR but that bs is exactly why I never got one in the first place. you should still get one dude under those circumstances, just pay it off all the time and your credit limit may slowly go up --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886502180] in Do any of ... [t:75769006]...</cite> <quote><cite>Medussa posted...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote> no, you should be able to get some crappy one. something with a very low limit and high APR</quote> but that bs is exactly why I never got one in the first place.</quote> you should still get one dude under those circumstances, just pay it off all the time and your credit limit may slowly go up</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:50:17 PM #20:	Medussa posted... AlternativeFAQS posted... no, you should be able to get some crappy one. something with a very low limit and high APR but that bs is exactly why I never got one in the first place. that's why I avoided them too. i saw what bad credit did to my parents. you just have to use them correctly. all you have to do in the beginning is use about 30-40% of the limit and then pay it off for a few months and keep doing it. most new cards do come with a 12 month no APR thing. by the time the 12 months is up your credit score should improve <cite>AlternativeFAQS posted [p:886502245] in Do any of ... [t:75769006]...</cite> <quote><cite>Medussa posted...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote> no, you should be able to get some crappy one. something with a very low limit and high APR</quote> but that bs is exactly why I never got one in the first place.</quote> that's why I avoided them too. i saw what bad credit did to my parents. you just have to use them correctly. all you have to do in the beginning is use about 30-40% of the limit and then pay it off for a few months and keep doing it. most new cards do come with a 12 month no APR thing. by the time the 12 months is up your credit score should improve</quote> ... Copied to Clipboard!
RebelElite791 09/12/17 11:50:47 PM #21:	CedarPointcp posted... Medussa posted... AlternativeFAQS posted... no, you should be able to get some crappy one. something with a very low limit and high APR but that bs is exactly why I never got one in the first place. you should still get one dude under those circumstances, just pay it off all the time and your credit limit may slowly go up Honestly just a few months using it is enough. I still have a $500 limit on my very first card (only increase with a HP since it's from the credit union so I just use it once every few months and will never raise it), but only needed a few months to get my second. --- http://i.imgur.com/MS5SvzN.gif https://i.imgur.com/ahQpG57.jpg <cite>RebelElite791 posted [p:886502272] in Do any of ... [t:75769006]...</cite> <quote><cite>CedarPointcp posted...</cite> <quote><cite>Medussa posted...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote> no, you should be able to get some crappy one. something with a very low limit and high APR</quote> but that bs is exactly why I never got one in the first place.</quote> you should still get one dude under those circumstances, just pay it off all the time and your credit limit may slowly go up</quote> Honestly just a few months using it is enough. I still have a $500 limit on my very first card (only increase with a HP since it's from the credit union so I just use it once every few months and will never raise it), but only needed a few months to get my second.</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:51:45 PM #22:	yeah. ive only had a credit history for 20 months and my limit is now 5k and i leased a new honda with zero issues <cite>AlternativeFAQS posted [p:886502315] in Do any of ... [t:75769006]...</cite> <quote>yeah. ive only had a credit history for 20 months and my limit is now 5k and i leased a new honda with zero issues</quote> ... Copied to Clipboard!
CedarPointcp 09/12/17 11:52:24 PM #23:	wow seems like everybody has a debit card, probably more popular than credit cards these days --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886502347] in Do any of ... [t:75769006]...</cite> <quote>wow seems like everybody has a debit card, probably more popular than credit cards these days</quote> ... Copied to Clipboard!
ProudlyHated87 09/12/17 11:53:11 PM #24:	I don't use credit cards. --- GT: Astral Ocean V Green Bay Packers: 1-0 <cite>ProudlyHated87 posted [p:886502384] in Do any of ... [t:75769006]...</cite> <quote>I don't use credit cards.</quote> ... Copied to Clipboard!
DragonJumpKick 09/12/17 11:53:43 PM #25:	I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks --- Cemith's dick is a tyrant "wtf do you know how girls work you virgin" - robellr13 <cite>DragonJumpKick posted [p:886502405] in Do any of ... [t:75769006]...</cite> <quote>I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks</quote> ... Copied to Clipboard!
kingdrake2 09/12/17 11:54:53 PM #26:	CedarPointcp posted... wow seems like everybody has a debit card, probably more popular than credit cards these days i got denied on credit card that i wanted. didn't have no credit history or it was crap. --- Chapped ass sucks. Deliver me sweet release, Kaopectate-.Alucard188 <cite>kingdrake2 posted [p:886502449] in Do any of ... [t:75769006]...</cite> <quote><cite>CedarPointcp posted...</cite> <quote>wow seems like everybody has a debit card, probably more popular than credit cards these days</quote> i got denied on credit card that i wanted. didn't have no credit history or it was crap.</quote> ... Copied to Clipboard!
AlternativeFAQS 09/12/17 11:57:45 PM #27:	DragonJumpKick posted... I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks they are bad in the hands of people who don't understand how to use them. they can ruin your life <cite>AlternativeFAQS posted [p:886502572] in Do any of ... [t:75769006]...</cite> <quote><cite>DragonJumpKick posted...</cite> <quote>I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks</quote> they are bad in the hands of people who don't understand how to use them. they can ruin your life</quote> ... Copied to Clipboard!
CedarPointcp 09/12/17 11:59:29 PM #28:	AlternativeFAQS posted... DragonJumpKick posted... I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks they are bad in the hands of people who don't understand how to use them. they can ruin your life yeah ruin your life, probably real hard to get your credit up back good if you have a bad credit history or have actually declared bankruptcy in the past. --- "A weapon to surpass Metal Gear." "I've always wanted there to be nothing between us, now there's not" <cite>CedarPointcp posted [p:886502642] in Do any of ... [t:75769006]...</cite> <quote><cite>AlternativeFAQS posted...</cite> <quote><cite>DragonJumpKick posted...</cite> <quote>I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks</quote> they are bad in the hands of people who don't understand how to use them. they can ruin your life</quote> yeah ruin your life, probably real hard to get your credit up back good if you have a bad credit history or have actually declared bankruptcy in the past.</quote> ... Copied to Clipboard!
BlazinBlue88 09/13/17 12:10:18 AM #29:	DragonJumpKick posted... I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks Same here. I finally got a credit card 6 months ago and I'm nearly 29. Citi Double Cash which gives me 2% cash back on all purchases, no annual fee, and no interest for first 12 months. Also they have an awesome mobile app. I've already made $275 cash back. Couldn't be happier with it. --- http://i.imgur.com/R15aJJ3.png http://i.imgur.com/NJqp6LS.png PSN/XBL: BlazinBlue88 <cite>BlazinBlue88 posted [p:886503070] in Do any of ... [t:75769006]...</cite> <quote><cite>DragonJumpKick posted...</cite> <quote>I wish i hadnt been told by every single person about how bad credit cards were growing up and got one earlier. Do the research folks</quote> Same here. I finally got a credit card 6 months ago and I'm nearly 29. Citi Double Cash which gives me 2% cash back on all purchases, no annual fee, and no interest for first 12 months. Also they have an awesome mobile app. I've already made $275 cash back. Couldn't be happier with it.</quote> ... Copied to Clipboard!
chill02 09/13/17 1:32:06 AM #30:	I have both but I never use my debit card or cash, for that matter --- Ave, true to Caesar. <cite>chill02 posted [p:886505946] in Do any of ... [t:75769006]...</cite> <quote>I have both but I never use my debit card or cash, for that matter</quote> ... Copied to Clipboard!
Yaridovich 09/13/17 1:35:01 AM #31:	When I pay for something I want to pay for it. The very idea of a credit card annoys the piss out of me and I doubt I'll ever get one. --- Posted with GameRaven 3.2.2 <cite>Yaridovich posted [p:886506039] in Do any of ... [t:75769006]...</cite> <quote>When I pay for something I want to pay for it. The very idea of a credit card annoys the piss out of me and I doubt I'll ever get one.</quote> ... Copied to Clipboard!
DoomSwell 09/13/17 1:48:56 AM #32:	I am extremely good at saving up money ~~(not making it unfortunately though)~~ so I just pay for everything I want up front. I would have no use for a credit card, even in an emergency I would just turn to my savings. --- http://www.backloggery.com/doomswell <cite>DoomSwell posted [p:886506499] in Do any of ... [t:75769006]...</cite> <quote>I am extremely good at saving up money (not making it unfortunately though) so I just pay for everything I want up front. I would have no use for a credit card, even in an emergency I would just turn to my savings.</quote> ... Copied to Clipboard!
kingdrake2 09/13/17 3:20:06 AM #33:	don't worry, good times will happen just gotta pull through the bad ones. --- Chapped ass sucks. Deliver me sweet release, Kaopectate-.Alucard188 <cite>kingdrake2 posted [p:886508964] in Do any of ... [t:75769006]...</cite> <quote>don't worry, good times will happen just gotta pull through the bad ones.</quote> ... Copied to Clipboard!
Super Saiyan 3 Goku 09/13/17 8:03:37 AM #34:	I have a credit card and have racked up over 100k in points based on my use. That equates to over $1,000 cash or up to ~$1,300 if I redeem for travel. Currently has a $0 balance. Treat your credit card like a debit card and it literally becomes free money. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>Super Saiyan 3 Goku posted [p:886514545] in Do any of ... [t:75769006]...</cite> <quote>I have a credit card and have racked up over 100k in points based on my use. That equates to over $1,000 cash or up to ~$1,300 if I redeem for travel. Currently has a $0 balance. Treat your credit card like a debit card and it literally becomes free money.</quote> ... Copied to Clipboard!
Kelystic 09/13/17 8:10:40 AM #35:	debit card --- http://i.imgur.com/xNf1K9h.jpg <cite>Kelystic posted [p:886514732] in Do any of ... [t:75769006]...</cite> <quote>debit card</quote> ... Copied to Clipboard!
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Current Events > Do any of you not have a credit card? (+) Yeah! (+)

Current Events > Do any of you not have a credit card?