I wish my credit cards had no limits.

Limits are sneaky things though, you might not recognise when you've hit one. Be careful.

Limits are sneaky things though, you might not recognise when you've hit one. Be careful.

You talking about people or credit cards?

What's the difference between OP and a credit card?

A credit card carries interest.

I thought you were going to say "to the max"
'cause unfortunately mine are all maxed out...

Yeah mine too.

Quote from: Kitsune on November 09, 2015, 08:40:36 PM

I thought you were going to say "to the max"
'cause unfortunately mine are all maxed out...

Yeah mine too.

Open up some more

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

The fastest way is with a well maintained credit card.

Quote from: Kitsune on November 09, 2015, 09:06:26 PM

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Rent is no replacement for credit history, and  not all landlords report it. There's no reason to be scared of credit, and failure to grow a diverse credit history absolutely will affect you later in life.

It won't affect me in any way.

Quote from: RadioactiveTurkey on November 09, 2015, 09:09:49 PM

Quote from: Kitsune on November 09, 2015, 09:06:26 PM

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Rent is no replacement for credit history, and  not all landlords report it. There's no reason to be scared of credit, and failure to grow a diverse credit history absolutely will affect you later in life.

It won't affect me in any way.

Killing yourself before age 20?

Quote from: RadioactiveTurkey on November 09, 2015, 09:09:49 PM

Quote from: Kitsune on November 09, 2015, 09:06:26 PM

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Rent is no replacement for credit history, and  not all landlords report it. There's no reason to be scared of credit, and failure to grow a diverse credit history absolutely will affect you later in life.

It won't affect me in any way.

That's a great joke to tell the car salesman when you get an 18% APR on your first car, or at your first real job interview when they ask you to explain your credit report.

Quote from: Dan on November 09, 2015, 09:20:13 PM

Quote from: ソレノイド on November 09, 2015, 09:14:42 PM

Quote from: RadioactiveTurkey on November 09, 2015, 09:09:49 PM

Quote from: Kitsune on November 09, 2015, 09:06:26 PM

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Rent is no replacement for credit history, and  not all landlords report it. There's no reason to be scared of credit, and failure to grow a diverse credit history absolutely will affect you later in life.

70% of your Equifax (the score weighed most heavily in mortgages) is based off of your percent available between all of your credit cards.

Even your car insurance is cheaper if you have open credit cards.

Good thing I'll never borrow money to buy a house.

Let me guess, rich family?

Not at all.

Quote from: Dan on November 09, 2015, 09:12:00 PM

Quote from: RadioactiveTurkey on November 09, 2015, 09:09:49 PM

Quote from: Kitsune on November 09, 2015, 09:06:26 PM

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Rent is no replacement for credit history, and  not all landlords report it. There's no reason to be scared of credit, and failure to grow a diverse credit history absolutely will affect you later in life.

It won't affect me in any way.

That's a great joke to tell the car salesman when you get an 18% APR on your first car, or at your first real job interview when they ask you to explain your credit report.

Good thing neither of those things matter to me.

Quote from: Dan on November 09, 2015, 09:12:00 PM

Quote from: RadioactiveTurkey on November 09, 2015, 09:09:49 PM

Quote from: Kitsune on November 09, 2015, 09:06:26 PM

Quote from: Dan on November 09, 2015, 09:03:56 PM

Quote from: RadioactiveTurkey on November 09, 2015, 08:57:31 PM

Quote from: Dan on November 09, 2015, 08:54:47 PM

Never going to get a credit card.

Sorry to hear about your shitty credit score.

Good thing a credit score doesn't matter to me one bit.

You're smart. You can build your credit with rent.

Rent is no replacement for credit history, and  not all landlords report it. There's no reason to be scared of credit, and failure to grow a diverse credit history absolutely will affect you later in life.

It won't affect me in any way.

That's a great joke to tell the car salesman when you get an 18% APR on your first car, or at your first real job interview when they ask you to explain your credit report.

I've never had a need for a credit card yet. I've only used a debit card so far. Is it something that would benefit me in the long run?

I've never had a need for a credit card yet. I've only used a debit card so far. Is it something that would benefit me in the long run?

Absolutely, even as a teenager. Use it for small, consistent purchases (like gas), pay it off every month, and gradually build your credit score. It'll come in really handy after college when you're applying for a loan to move or for a car, will open up other opportunities for different lines of credit, and has an affect on your job further down the line (such as a background check or security clearance for government work).