paid off...

[ChrisCantSkate]

my credit card. thank god i hated citibank for a very long time. now im never getting another one. they ended up with an extra $375 of mine but now i never have to talk to them again.

[Grip72]

how the hell did you let that happen?!

[ChrisCantSkate]

interest... beleive me im not holding it against them. when i got that card i was not in a position to be handed $1500 of credit and turned loose. paid off now though so i breath better

[Robert]

I love credit cards, though I never carry a balance; or cash for that matter.

I track all of my purchases, and rewarded for buying on a credit card and have alot more buy protection then if I used cash.

[HondaImpaler]

Most of my profit sharing each year goes to the damned credit card. Paid over 3000$ this year again. shit

[Grip72]

that's bad.. i'm soo good with my credit card and i have a $3500 limit haa

[Violent Apathy]

Oh shit, that reminds me...

[ebpda9]

i know what you mean. mine are almost maxed out for some reason

[ChrisCantSkate]

I love credit cards, though I never carry a balance; or cash for that matter.

I track all of my purchases, and rewarded for buying on a credit card and have alot more buy protection then if I used cash.

i was able to do that for the first 2 or 3 months, then i realized i didnt make as much as i wanted to spend, so i'd only pay minimiums, then the spiral started. im not never going to get a credit card, but im gonna have a real job before i do get another one.

[Grip72]

i use my credit card strictly for big purchases or purchases that i already have enough cash for

if i have $500 in my bank account..i'll put $300 on my credit card worth of purchaes and then just pay off half...then pay some at the minimum...then anothe rbig chunk to finish paying it off

[KwikR6]

I hate using my fucking credit card. i only use it for certian purchases.

[Robert]

credit cards are great tool. Interest free money for 30 days. If you can learn to master your spend it will open many doors for you.

I will ern $1000 this year alone in cash backs from my major use credit card. Playing them smart really pays off.

[ChrisCantSkate]

yes very true, i made the mistake of getting one while making about $150 a week and not adjusting my budjet properly as i wanted to spend my cash still, and have the CC. i just made the mistake of thinking i could juggle the payments while inceasing my spending without increasing my earnings... lesson learned. a very good one and it was alot cheaper than the same lesson people get with car payments, higher limit CCs and whatnot. if anything i know better how to manage money, debt, and credit