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[2016-11-23. : 1:52 am]  lil-Inferno -- Dem0nDem0n shouted: I don't understand people who buy shit on their credit cards when they don't have the money for it LMAO that's like, the point LMAO[2016-11-23. : 1:52 am]  Fire_Kame -- FaRTy1billionFaRTy1billion shouted: Fire_Kame why not? It's literally free money! IT'S LITERALLY NOT[2016-11-23. : 1:52 am] Dem0n -- I don't understand people who buy shit on their credit cards when they don't have the money for it LMAO[2016-11-23. : 1:52 am]  O)FaRTy1billion[MM] -- Fire_KameFire_Kame shouted: UNLESS you get a cash advance. Don't do that shit why not? It's literally free money![2016-11-23. : 1:52 am] Fire_Kame -- Dem0nDem0n shouted: Fire_Kame I have a credit card; it's a 'student' one through my bank with a $500 limit. oh, have you thought about asking them to change the product?[2016-11-23. : 1:51 am] Fire_Kame -- if you pay your entire statement balance every month before the due date (usually cycle date actually, but due date is easier to remember) you won't get interest.[2016-11-23. : 1:51 am] Dem0n -- Fire_KameFire_Kame shouted: TBH demon anything under 12% APR is good. 3.5% is impossible - that's the prime rate. If you have a checking account with a bank, I'd solicit them first, it's hard to get a credit card if you've never had one before without some relationship history I have a credit card; it's a 'student' one through my bank with a $500 limit.[2016-11-23. : 1:50 am] Fire_Kame -- TBH demon anything under 12% APR is good. 3.5% is impossible - that's the prime rate. If you have a checking account with a bank, I'd solicit them first, it's hard to get a credit card if you've never had one before without some relationship history[2016-11-23. : 1:47 am] O)FaRTy1billion[MM] -- (meant as a general statement, idk if that particular card would be good or bad)[2016-11-23. : 1:47 am] O)FaRTy1billion[MM] -- don't do it for the rewards, do it because it's not going to fuck you over[2016-11-23. : 1:45 am] Dem0n -- their cards are like "OH SPEND 50k TO GET 100k 'POINTS' SO YOU CAN BUY THIS 40" TV FROM US"[2016-11-23. : 1:44 am] Fire_Kame -- maybe shoot for 6%, because you are risky. Your bank should be able to offer something that low[2016-11-23. : 1:42 am] O)FaRTy1billion[MM] -- otherwise idk, I have no idea if that's actually bad advice xD[2016-11-23. : 1:41 am] O)FaRTy1billion[MM] -- Dem0nDem0n shouted: What's a good APR Fire_KameFire_Kame shouted: terms of the credit card don't matter if you pay it off in full ey o [2016-11-23. : 1:40 am] Fire_Kame -- terms of the credit card don't matter if you pay it off in full ey o[2016-11-23. : 1:38 am] Dem0n -- srsly how the fucc do I find a good credit card. there's like a million of them[2016-11-23. : 1:37 am] O)FaRTy1billion[MM] -- it's how they got my sister credit so she could apply for a mortgage[2016-11-23. : 1:36 am] O)FaRTy1billion[MM] -- I'm on both my parents credit cards, and they supposedly have good credit[2016-11-23. : 1:35 am] O)FaRTy1billion[MM] -- was/is. I guess paying bills helps credit, and I'm good at that[2016-11-23. : 1:34 am] O)FaRTy1billion[MM] -- Dem0nDem0n shouted: probs have shit credit so good luck idk what my credit was. I don't know how to look it up[2016-11-23. : 1:34 am] MasterJohnny -- i get most of my tech off amazon nobody ever really gets cheaper[2016-11-23. : 1:33 am] O)FaRTy1billion[MM] -- I guess debit cards are harder to deal with if they get stolen, and credit cards help with credit (if you're not bad at them) |
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