Current Events > I finally got a credit card and it changed my life.

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MelbuFrahma4 12/22/22 11:58:05 AM #1:	Feels good to no longer have to carry cash around or worry about how much is in my bank account. Plus I am able to build credit with each purchase that I pay back in full. Kinda regret it took me so long to get on the credit card train. --- "We'll never see Day-Lewis and Kubrick, or Kurosawa and Eastwood, but we have seen Bale and Nolan, a cinematic dream pairing come to life!" <cite>MelbuFrahma4 posted [p:970338527] in I finally ... [t:80286068]...</cite> <quote>Feels good to no longer have to carry cash around or worry about how much is in my bank account. Plus I am able to build credit with each purchase that I pay back in full. Kinda regret it took me so long to get on the credit card train. </quote> ... Copied to Clipboard!
CE_gonna_CE 12/22/22 11:58:53 AM #2:	Nice just pay it off in full each month, and youre all good. --- https://gamefaqs.gamespot.com/boards/1531-food-delivery-services-general <cite>CE_gonna_CE posted [p:970338546] in I finally ... [t:80286068]...</cite> <quote>Nice just pay it off in full each month, and youre all good. </quote> ... Copied to Clipboard!
Dakimakura 12/22/22 11:59:02 AM #3:	I'll update the logs --- This is signature Not waste of data at all <cite>Dakimakura posted [p:970338550] in I finally ... [t:80286068]...</cite> <quote>I'll update the logs</quote> ... Copied to Clipboard!
VeggetaX 12/22/22 11:59:07 AM #4:	You're welcome --- Don't like it? Don't watch it. It's that simple Dictator of Nice Guys <cite>VeggetaX posted [p:970338553] in I finally ... [t:80286068]...</cite> <quote>You're welcome </quote> ... Copied to Clipboard!
TaylorHeinicke 12/22/22 11:59:23 AM #5:	in before all those weirdos who insist credit cards are horrible and will ruin your life --- St. Louis Battlehawks (1-1) <cite>TaylorHeinicke posted [p:970338557] in I finally ... [t:80286068]...</cite> <quote>in before all those weirdos who insist credit cards are horrible and will ruin your life</quote> ... Copied to Clipboard!
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MelbuFrahma4 12/22/22 12:00:44 PM #7:	VeggetaX posted... You're welcome Yea. I was already close to getting one and your topic from a week ago inspired me to get it sooner. --- "We'll never see Day-Lewis and Kubrick, or Kurosawa and Eastwood, but we have seen Bale and Nolan, a cinematic dream pairing come to life!" <cite>MelbuFrahma4 posted [p:970338591] in I finally ... [t:80286068]...</cite> <quote>VeggetaX posted... </cite><quote>You're welcome</quote>Yea. I was already close to getting one and your topic from a week ago inspired me to get it sooner.</quote> ... Copied to Clipboard!
Scorsese2002 12/22/22 12:02:02 PM #8:	Current balance or statement balance, which do you pay off first? --- https://www.twitch.tv/dtake86 <cite>Scorsese2002 posted [p:970338624] in I finally ... [t:80286068]...</cite> <quote>Current balance or statement balance, which do you pay off first?</quote> ... Copied to Clipboard!
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CE_gonna_CE 12/22/22 12:08:28 PM #11:	Scorsese2002 posted... Current balance or statement balance, which do you pay off first? Pay statement balance by the due date to avoid interest. --- https://gamefaqs.gamespot.com/boards/1531-food-delivery-services-general <cite>CE_gonna_CE posted [p:970338741] in I finally ... [t:80286068]...</cite> <quote>Scorsese2002 posted... </cite><quote>Current balance or statement balance, which do you pay off first?</quote>Pay statement balance by the due date to avoid interest. </quote> ... Copied to Clipboard!
gatesfrenesi 12/22/22 12:09:05 PM #12:	Scorsese2002 posted... Current balance or statement balance, which do you pay off first? If you're a chad just pay off current balance <cite>gatesfrenesi posted [p:970338749] in I finally ... [t:80286068]...</cite> <quote>Scorsese2002 posted... </cite><quote>Current balance or statement balance, which do you pay off first?</quote>If you're a chad just pay off current balance </quote> ... Copied to Clipboard!
Sexypwnstar 12/22/22 12:10:19 PM #13:	MelbuFrahma4 posted... Feels good to no longer have to carry cash around Have fun when you reach a place that accepts cash only. --- http://i.imgur.com/Su4g5.jpg http://i.imgur.com/21DiJ.jpg <cite>Sexypwnstar posted [p:970338782] in I finally ... [t:80286068]...</cite> <quote>MelbuFrahma4 posted... </cite><quote>Feels good to no longer have to carry cash around</quote>Have fun when you reach a place that accepts cash only.</quote> ... Copied to Clipboard!
Giant_Aspirin 12/22/22 12:12:39 PM #14:	Scorsese2002 posted... Current balance or statement balance, which do you pay off first? pay balance in full at the start of each month. --- Playing: The Last of Us Part II I hope something good happens to you today <cite>Giant_Aspirin posted [p:970338829] in I finally ... [t:80286068]...</cite> <quote>Scorsese2002 posted... </cite><quote>Current balance or statement balance, which do you pay off first?</quote>pay balance in full at the start of each month.</quote> ... Copied to Clipboard!
littlebro07 12/22/22 12:15:56 PM #15:	I just set an auto pay for the statement balance each month. It's nice having all that money sit in my checking account for an extra couple weeks, pretty sure that boosts the average daily balance which means more interest for me >_> --- https://i.imgtc.com/MGGa6Os.gif <cite>littlebro07 posted [p:970338891] in I finally ... [t:80286068]...</cite> <quote>I just set an auto pay for the statement balance each month.It's nice having all that money sit in my checking account for an extra couple weeks, pretty sure that boosts the average daily balance which means more interest for me >_></quote> ... Copied to Clipboard!
MelbuFrahma4 12/24/22 1:14:59 PM #16:	TaylorHeinicke posted... in before all those weirdos who insist credit cards are horrible and will ruin your life Yea the mind blowing thing was depending on when you use card you could have up to two months before you have to pay for your purchase. When I had heard about credit cards I just heard the saying pay bill in full every month. People didnt talk about the grace period with the statement closing date. --- "We'll never see Day-Lewis and Kubrick, or Kurosawa and Eastwood, but we have seen Bale and Nolan, a cinematic dream pairing come to life!" <cite>MelbuFrahma4 posted [p:970380527] in I finally ... [t:80286068]...</cite> <quote>TaylorHeinicke posted... </cite><quote>in before all those weirdos who insist credit cards are horrible and will ruin your life</quote>Yea the mind blowing thing was depending on when you use card you could have up to two months before you have to pay for your purchase. When I had heard about credit cards I just heard the saying pay bill in full every month. People didnt talk about the grace period with the statement closing date.</quote> ... Copied to Clipboard!
Irony 12/24/22 1:16:15 PM #17:	When I got a credit card it changed my life forever now I'm in debt thanks credit card --- I am Mogar, God of Irony and The Devourer of Topics. <cite>Irony posted [p:970380551] in I finally ... [t:80286068]...</cite> <quote>When I got a credit card it changed my life forever now I'm in debt thanks credit card</quote> ... Copied to Clipboard!
rideshort 12/24/22 1:24:41 PM #18:	Irony posted... When I got a credit card it changed my life forever now I'm in debt thanks credit card Ironic ain't it? On a serious note. Hope you can get out of it --- I believe in the Golden Rule and you should too! http://i.imgur.com/63HCN.gif http://i.imgur.com/aaTUdOx.jpg <cite>rideshort posted [p:970380755] in I finally ... [t:80286068]...</cite> <quote>Irony posted... </cite><quote>When I got a credit card it changed my life forever now I'm in debt thanks credit card</quote>Ironic ain't it? On a serious note. Hope you can get out of it </quote> ... Copied to Clipboard!
MixedRaceBaby 12/24/22 1:25:56 PM #19:	yeah i like being able to not worry if i have money in an account or whatever. lots of flexibility. --- For the mixed race babies! <cite>MixedRaceBaby posted [p:970380775] in I finally ... [t:80286068]...</cite> <quote>yeah i like being able to not worry if i have money in an account or whatever. lots of flexibility. </quote> ... Copied to Clipboard!
gu-gohan 12/24/22 1:57:33 PM #20:	Personally, I prefer debit cards. I like to know exactly how much money I have on my bank account. Ultimately, you need to have enough money anyway, whether payment is made by debit or credit card. For people who have enough money anyway, it really doesn't matter which one to use. --- Like: videogames, peaceful discussions, open-minded people Dislike: console wars, trolls, haters, review-bombing, bias <cite>gu-gohan posted [p:970381351] in I finally ... [t:80286068]...</cite> <quote>Personally, I prefer debit cards. I like to know exactly how much money I have on my bank account.Ultimately, you need to have enough money anyway, whether payment is made by debit or credit card. For people who have enough money anyway, it really doesn't matter which one to use.</quote> ... Copied to Clipboard!
CARRRNE_ASADA 12/24/22 2:03:46 PM #21:	Remember that going past 30% of your total available credit will start affecting your credit score as well. Try not to get past 50% or more unless youre going to pay it off very quickly. --- SEXY SEXY! <cite>CARRRNE_ASADA posted [p:970381467] in I finally ... [t:80286068]...</cite> <quote>Remember that going past 30% of your total available credit will start affecting your credit score as well. Try not to get past 50% or more unless youre going to pay it off very quickly.</quote> ... Copied to Clipboard!
eaglei3 12/24/22 2:10:48 PM #22:	gu-gohan posted... Personally, I prefer debit cards. I like to know exactly how much money I have on my bank account. Ultimately, you need to have enough money anyway, whether payment is made by debit or credit card. For people who have enough money anyway, it really doesn't matter which one to use. I always tell people to avoid using your debit cards unless you are making an atm withdrawal when needing cash on hand. The reason is credit cards generally have more fraudulent protections than your debit card where it is easier to get your account restored. You also have more days to report a credit card dispute than a debit dispute to where you are protected. Debit card theft also means a thief is spending cash from your account. That means you have to fight to get your money returned. When a credit card fraud happens, the lender of the credit card account is having to fight to get their money back. You have not lost your money, but only have credit charged against you that is part of the disputed charges. <cite>eaglei3 posted [p:970381588] in I finally ... [t:80286068]...</cite> <quote>gu-gohan posted... </cite><quote>Personally, I prefer debit cards. I like to know exactly how much money I have on my bank account.Ultimately, you need to have enough money anyway, whether payment is made by debit or credit card. For people who have enough money anyway, it really doesn't matter which one to use.</quote>I always tell people to avoid using your debit cards unless you are making an atm withdrawal when needing cash on hand. The reason is credit cards generally have more fraudulent protections than your debit card where it is easier to get your account restored. You also have more days to report a credit card dispute than a debit dispute to where you are protected. Debit card theft also means a thief is spending cash from your account. That means you have to fight to get your money returned. When a credit card fraud happens, the lender of the credit card account is having to fight to get their money back. You have not lost your money, but only have credit charged against you that is part of the disputed charges.</quote> ... Copied to Clipboard!
littlebro07 12/24/22 2:51:17 PM #23:	^that someone got our debit card info from a gas pump and spent like 3k at Walmart and it took months to get that shit sorted out. Been using credit for everything we can ever since --- https://i.imgtc.com/MGGa6Os.gif <cite>littlebro07 posted [p:970382414] in I finally ... [t:80286068]...</cite> <quote>^that someone got our debit card info from a gas pump and spent like 3k at Walmart and it took months to get that shit sorted out. Been using credit for everything we can ever since </quote> ... Copied to Clipboard!
Noumas 12/25/22 8:13:50 AM #24:	CE_gonna_CE posted... Pay statement balance by the due date to avoid interest. What if we pay earlier? <cite>Noumas posted [p:970395497] in I finally ... [t:80286068]...</cite> <quote>CE_gonna_CE posted... </cite><quote>Pay statement balance by the due date to avoid interest.</quote>What if we pay earlier?</quote> ... Copied to Clipboard!
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bo_danvers 12/25/22 8:44:08 AM #26:	MelbuFrahma4 posted... Feels good to no longer have to carry cash around or worry about how much is in my bank account. Plus I am able to build credit with each purchase that I pay back in full. Kinda regret it took me so long to get on the credit card train. You still need to do this. My advice would be to not get a credit card and just get a card that pulls from a checking account. That way you can't spend what you don't have. <cite>bo_danvers posted [p:970395756] in I finally ... [t:80286068]...</cite> <quote>MelbuFrahma4 posted... </cite><quote>Feels good to no longer have to carry cash around or worry about how much is in my bank account. Plus I am able to build credit with each purchase that I pay back in full. Kinda regret it took me so long to get on the credit card train.</quote>You still need to do this.My advice would be to not get a credit card and just get a card that pulls from a checking account. That way you can't spend what you don't have.</quote> ... Copied to Clipboard!
FLAMING_EVIL_HOMER 12/25/22 8:48:49 AM #27:	TaylorHeinicke posted... in before all those weirdos who insist credit cards are horrible and will ruin your life --- I wash myself with a rag on stiiick <cite>FLAMING_EVIL_HOMER posted [p:970395804] in I finally ... [t:80286068]...</cite> <quote>TaylorHeinicke posted... </cite><quote>in before all those weirdos who insist credit cards are horrible and will ruin your life</quote></quote> ... Copied to Clipboard!
TheSuperSilver 12/25/22 9:37:15 AM #28:	Scorsese2002 posted... Current balance or statement balance, which do you pay off first? I don't have to but I pay the current balance always. I don't wait for the statement. I ain't playing that game. --- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius <cite>TheSuperSilver posted [p:970396312] in I finally ... [t:80286068]...</cite> <quote>Scorsese2002 posted... </cite><quote>Current balance or statement balance, which do you pay off first?</quote>I don't have to but I pay the current balance always. I don't wait for the statement.I ain't playing that game.</quote> ... Copied to Clipboard!
CE_gonna_CE 12/25/22 9:43:08 AM #29:	Noumas posted... What if we pay earlier? Youll still avoid interest, but by paying it earlier than the statement due date youre shafting yourself and helping the credit card company. Think of it this way the later you pay, thats more cash thats in your pocket vs what the card company has. Youre basically taking out an interest free loan for up to 2 months from the time you make the purchase vs the time you pay the statement. Paying early puts that money in the companys hands and not yours. --- https://gamefaqs.gamespot.com/boards/1531-food-delivery-services-general <cite>CE_gonna_CE posted [p:970396384] in I finally ... [t:80286068]...</cite> <quote>Noumas posted... </cite><quote>What if we pay earlier?</quote>Youll still avoid interest, but by paying it earlier than the statement due date youre shafting yourself and helping the credit card company. Think of it this way the later you pay, thats more cash thats in your pocket vs what the card company has. Youre basically taking out an interest free loan for up to 2 months from the time you make the purchase vs the time you pay the statement. Paying early puts that money in the companys hands and not yours. </quote> ... Copied to Clipboard!
Homeless_Waifu 12/25/22 9:45:02 AM #30:	Thanks CE, you're all my financial advisors that I can count on! --- I bought the Taito Egret II Mini just to play puchi carat <cite>Homeless_Waifu posted [p:970396408] in I finally ... [t:80286068]...</cite> <quote>Thanks CE, you're all my financial advisors that I can count on!</quote> ... Copied to Clipboard!
littlebro07 12/25/22 9:47:02 AM #31:	CE_gonna_CE posted... Youll still avoid interest, but by paying it earlier than the statement due date youre shafting yourself and helping the credit card company. Think of it this way the later you pay, thats more cash thats in your pocket vs what the card company has. Youre basically taking out an interest free loan for up to 2 months from the time you make the purchase vs the time you pay the statement. Paying early puts that money in the companys hands and not yours. this if you have a high yield checking account, keeping that cash in your bank longer means your average daily balance will be higher which means you get more dividends paid out. Sure its probably just like a nickel, but free money is free money --- https://i.imgtc.com/MGGa6Os.gif <cite>littlebro07 posted [p:970396431] in I finally ... [t:80286068]...</cite> <quote>CE_gonna_CE posted... </cite><quote>Youll still avoid interest, but by paying it earlier than the statement due date youre shafting yourself and helping the credit card company. Think of it this way the later you pay, thats more cash thats in your pocket vs what the card company has. Youre basically taking out an interest free loan for up to 2 months from the time you make the purchase vs the time you pay the statement. Paying early puts that money in the companys hands and not yours.</quote>thisif you have a high yield checking account, keeping that cash in your bank longer means your average daily balance will be higher which means you get more dividends paid out. Sure its probably just like a nickel, but free money is free money </quote> ... Copied to Clipboard!
Makeveli_lives 12/25/22 10:11:03 AM #32:	Homeless_Waifu posted... Thanks CE, you're all my financial advisors that I can count on! Invest in ENZC then brother. --- Switch FC: SW-3917-4425-6106 PSN: PiKappaPhi769 <cite>Makeveli_lives posted [p:970396706] in I finally ... [t:80286068]...</cite> <quote>Homeless_Waifu posted... </cite><quote>Thanks CE, you're all my financial advisors that I can count on!</quote>Invest in ENZC then brother. </quote> ... Copied to Clipboard!
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Current Events > I finally got a credit card and it changed my life. (+) Yeah! (+)

Current Events > I finally got a credit card and it changed my life.