I just got my Credit Card. AMA

BasedLove · October 23, 2014, 03:32:42 PM

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🂿 · October 23, 2014, 03:34:32 PM

Quote from: BasedLove on October 23, 2014, 03:32:42 PM

Quote from: Decimator Omega on October 23, 2014, 03:27:21 PM
Quote from: BasedLove on October 23, 2014, 03:19:38 PM
Quote from: Decimator Omega on October 23, 2014, 03:13:48 PM
Quote from: BasedLove on October 23, 2014, 03:12:46 PM
Quote from: Decimator Omega on October 23, 2014, 03:09:25 PM
Quote from: BasedLove on October 23, 2014, 02:41:21 PM
Quote from: Decimator Omega on October 23, 2014, 02:38:21 PM
Quote from: BasedLove on October 23, 2014, 02:37:50 PM
Credit limit?

Classified.

lolpeasant

I don't have to tell you how much I have, but let's just say for someone that has never built credit, it's a pretty amazing amount.

Keep making excuses peasant.

Why do I have to tell you my credit limit?

I will tell you this though, I won't be charge for fraud purchases if it's lost or stolen.

Also I'm not a dirty console peasant. I'm a glorious PC.

Your still making excuses peasant.

*sigh*

$700

That's my limit.

I don't have any interest until 2016.

Bitch my first credit limit was $1,200.

Okay. Good for you.

gats · October 23, 2014, 03:34:39 PM

>Taking out a credit card
>LOL
>Debit ftw
>Don't buy shit you don't have the money for

🂿 · October 23, 2014, 03:35:50 PM

Quote from: Gatsby on October 23, 2014, 03:34:39 PM

>Taking out a credit card
>LOL
>Debit ftw
>Don't buy shit you don't have the money for

I'm wise about what I purchase.

gats · October 23, 2014, 03:36:48 PM

Quote from: Decimator Omega on October 23, 2014, 03:35:50 PM

Quote from: Gatsby on October 23, 2014, 03:34:39 PM
>Taking out a credit card
>LOL
>Debit ftw
>Don't buy shit you don't have the money for

I'm wise about what I purchase.

Then what's the point of getting a credit card?

BasedLove · October 23, 2014, 03:37:57 PM

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🂿 · October 23, 2014, 03:42:32 PM

Quote from: Gatsby on October 23, 2014, 03:36:48 PM

Quote from: Decimator Omega on October 23, 2014, 03:35:50 PM
Quote from: Gatsby on October 23, 2014, 03:34:39 PM
>Taking out a credit card
>LOL
>Debit ftw
>Don't buy shit you don't have the money for

I'm wise about what I purchase.
Then what's the point of getting a credit card?

To build credit of course.

🂿 · October 23, 2014, 03:42:55 PM

Quote from: BasedLove on October 23, 2014, 03:37:57 PM

Quote from: Decimator Omega on October 23, 2014, 03:35:50 PM
Quote from: Gatsby on October 23, 2014, 03:34:39 PM
>Taking out a credit card
>LOL
>Debit ftw
>Don't buy shit you don't have the money for

I'm wise about what I purchase.

Purchase a new stick because the one you have lodged up your ass doesn't look like its coming out anytime soon.

*pulls stick out of his ass*

Nexus · October 23, 2014, 04:17:22 PM

Good luck with the massive debt.

🂿 · October 23, 2014, 04:19:37 PM

Quote from: Nexus on October 23, 2014, 04:17:22 PM

Good luck with the massive debt.

I highly doubt I'll fall into debt anytime soon.

Nexus · October 23, 2014, 04:24:04 PM

Quote from: Decimator Omega on October 23, 2014, 04:19:37 PM

Quote from: Nexus on October 23, 2014, 04:17:22 PM
Good luck with the massive debt.

I highly doubt I'll fall into debt anytime soon.

Credit cards are only for going into debt.

🂿 · October 23, 2014, 04:32:59 PM

Quote from: Nexus on October 23, 2014, 04:24:04 PM

Quote from: Decimator Omega on October 23, 2014, 04:19:37 PM
Quote from: Nexus on October 23, 2014, 04:17:22 PM
Good luck with the massive debt.

I highly doubt I'll fall into debt anytime soon.
Credit cards are only for going into debt.

Only if you spend with it unwisely.

Sandtrap · October 23, 2014, 05:13:02 PM

How much money would you bet on your credit card that you'll be in debt over your head by the end of the month?

🂿 · October 23, 2014, 05:19:19 PM

Quote from: Sandtrap on October 23, 2014, 05:13:02 PM

How much money would you bet on your credit card that you'll be in debt over your head by the end of the month?

$0.00

🂿 · October 23, 2014, 05:28:39 PM

Quote from: Nuka on October 23, 2014, 05:23:13 PM

Quote from: Gatsby on October 23, 2014, 03:34:39 PM
>Taking out a credit card
>LOL
>Debit ftw
>Don't buy shit you don't have the money for

This x100

I know! I'm not gonna do that. I may spend a lot but I'm a wise spender.

Super Irish · October 23, 2014, 05:29:11 PM

I never got the American obsession over Credit Cards. You spend money you don't have, only to pay it back with your actual money later, and if you go over you get charged loads. It seems only existent for the bank to catch you out and squeeze money out of you.

Spoiler

(not taking a stab at you Deci, relax. Just a general rant)

🂿 · October 23, 2014, 05:31:10 PM

Quote from: SuperIrish on October 23, 2014, 05:29:11 PM

I never got the American obsession over Credit Cards. You spend money you don't have, only to pay it back with your actual money later, and if you go over you get charged loads. It seems only existent for the bank to catch you out and squeeze money out of you.

Spoiler
(not taking a stab at you Deci, relax. Just a general rant)

I understand.

Well, I need to start building credit anyway. I have no credit history whatsoever. I need the credit (good credit mind you) so I can be able to buy a car or a house later on.

Same goes with renting an apartment, they're going to check my credit for it, and if I don't have credit, I get nothing.

Super Irish · October 23, 2014, 05:32:43 PM

Quote from: Decimator Omega on October 23, 2014, 05:31:10 PM

Quote from: SuperIrish on October 23, 2014, 05:29:11 PM
I never got the American obsession over Credit Cards. You spend money you don't have, only to pay it back with your actual money later, and if you go over you get charged loads. It seems only existent for the bank to catch you out and squeeze money out of you.

Spoiler
(not taking a stab at you Deci, relax. Just a general rant)

I understand.

Well, I need to start building credit anyway. I have no credit history whatsoever. I need the credit (good credit mind you) so I can be able to buy a car or a house later on.

Same goes with renting an apartment, they're going to check my credit for it, and if I don't have credit, I get nothing.

Shit. I hope they don't pull that shit on this side of the pond...

🂿 · October 23, 2014, 05:33:41 PM

Quote from: SuperIrish on October 23, 2014, 05:32:43 PM

Quote from: Decimator Omega on October 23, 2014, 05:31:10 PM
Quote from: SuperIrish on October 23, 2014, 05:29:11 PM
I never got the American obsession over Credit Cards. You spend money you don't have, only to pay it back with your actual money later, and if you go over you get charged loads. It seems only existent for the bank to catch you out and squeeze money out of you.

Spoiler
(not taking a stab at you Deci, relax. Just a general rant)

I understand.

Well, I need to start building credit anyway. I have no credit history whatsoever. I need the credit (good credit mind you) so I can be able to buy a car or a house later on.

Same goes with renting an apartment, they're going to check my credit for it, and if I don't have credit, I get nothing.

Shit. I hope they don't pull that shit on this side of the pond...

I hear ya. I have no interest as or right now though. I'll have to see where things go later on down the road.

rC · October 23, 2014, 07:15:40 PM

Shut up

Sandtrap · October 23, 2014, 07:27:46 PM

Quote from: Decimator Omega on October 23, 2014, 05:19:19 PM

Quote from: Sandtrap on October 23, 2014, 05:13:02 PM
How much money would you bet on your credit card that you'll be in debt over your head by the end of the month?

$0.00

Good man. Watch those damn cards. It's easy to slip.

R o c k e t · October 23, 2014, 07:35:52 PM

Do you feel like an adult now?

🂿 · October 23, 2014, 07:40:36 PM

Quote from: Rocketman287 on October 23, 2014, 07:35:52 PM

Do you feel like an adult now?

To be honest, I just feel like myself. Nothing new or different.

🂿 · October 23, 2014, 07:40:55 PM

Quote from: Sandtrap on October 23, 2014, 07:27:46 PM

Quote from: Decimator Omega on October 23, 2014, 05:19:19 PM
Quote from: Sandtrap on October 23, 2014, 05:13:02 PM
How much money would you bet on your credit card that you'll be in debt over your head by the end of the month?

$0.00

Good man. Watch those damn cards. It's easy to slip.

Indeed.

Prototype · October 23, 2014, 08:08:30 PM

Quote from: Decimator Omega on October 23, 2014, 02:35:06 PM

Quote from: Flee on October 23, 2014, 02:33:32 PM
Quote from: Decimator Omega on October 23, 2014, 02:32:35 PM
Quote from: Flee on October 23, 2014, 02:31:04 PM
Don't post pictures of it!

I'm not stupid Flee. I'd never do that. Thanks for your concern though.
You're welcome, I know you wouldn't do that.

Good. And since I won't do that.

Here is a picture of my bat credit card:

That cringe.

🂿 · October 23, 2014, 08:15:33 PM

Quote from: Prototype on October 23, 2014, 08:08:30 PM

Quote from: Decimator Omega on October 23, 2014, 02:35:06 PM
Quote from: Flee on October 23, 2014, 02:33:32 PM
Quote from: Decimator Omega on October 23, 2014, 02:32:35 PM
Quote from: Flee on October 23, 2014, 02:31:04 PM
Don't post pictures of it!

I'm not stupid Flee. I'd never do that. Thanks for your concern though.
You're welcome, I know you wouldn't do that.

Good. And since I won't do that.

Here is a picture of my bat credit card:

That cringe.

YouTube

Prototype · October 23, 2014, 08:16:48 PM

Quote from: Decimator Omega on October 23, 2014, 08:15:33 PM

Quote from: Prototype on October 23, 2014, 08:08:30 PM

Quote from: Decimator Omega on October 23, 2014, 02:35:06 PM
Quote from: Flee on October 23, 2014, 02:33:32 PM
Quote from: Decimator Omega on October 23, 2014, 02:32:35 PM
Quote from: Flee on October 23, 2014, 02:31:04 PM
Don't post pictures of it!

I'm not stupid Flee. I'd never do that. Thanks for your concern though.
You're welcome, I know you wouldn't do that.

Good. And since I won't do that.

Here is a picture of my bat credit card:

That cringe.

YouTube

Sorry, Deci.

cxfhvxgkcf-56:7 · October 23, 2014, 08:17:53 PM

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🂿 · October 23, 2014, 08:18:48 PM

Quote from: Prototype on October 23, 2014, 08:16:48 PM

Quote from: Decimator Omega on October 23, 2014, 08:15:33 PM
Quote from: Prototype on October 23, 2014, 08:08:30 PM

Quote from: Decimator Omega on October 23, 2014, 02:35:06 PM
Quote from: Flee on October 23, 2014, 02:33:32 PM
Quote from: Decimator Omega on October 23, 2014, 02:32:35 PM
Quote from: Flee on October 23, 2014, 02:31:04 PM
Don't post pictures of it!

I'm not stupid Flee. I'd never do that. Thanks for your concern though.
You're welcome, I know you wouldn't do that.

Good. And since I won't do that.

Here is a picture of my bat credit card:

That cringe.

YouTube

Sorry, Deci.

Dun worry. It's gon be k.

🂿 · October 23, 2014, 08:20:02 PM

Quote from: SoporificSlash on October 23, 2014, 08:17:53 PM

ITT: People don't realize that you pretty much have to have a credit card to make it in life

I hear ya man. Life is a pain in the ass I'll tell you that much.

At least I'm finally able to start with this, but who knows what's at stake for me in the future.