I got 3 but only use one. I have a 12 month no interest thing going with one for a computer and if I want I can do another, but I don't know if I have to pay off the first one then start another, becausethe computeris almost paid off.
Just 1, and I haven't used it yet as I just got it. I'm just trying to build credit so I can get a Delta skymiles credit card so I can finally earn some free flights!
I don't have one yet, I really should get one though. PerfectCircles
Yes you should. The sooner the better because part of your credit score depends on how old your first card is and the average age of your cards. Just do some research on what cards are good for you.
Just one at the moment. I had another but I canceled it because the credit limit was too low and Capital One refused to increase it even once after almost 3 years.
0. I tried applying for one and got rejected. Its probably just as well.
Calvin079
Have you looked into getting a secured credit card? I would recommend you do that, you'll be glad you did once you're older and want to buy a car/house etc.
How could one aquire 11 or more credit cards? Debit cards (American ones) not counting, I don't get it. Although we do have Visa debit in Canada now, even though its at one bank only.
0. I tried applying for one and got rejected. Its probably just as well.
RedMarzBoy
Have you looked into getting a secured credit card? I would recommend you do that, you'll be glad you did once you're older and want to buy a car/house etc. No, I haven't. would a bank offer such a thing, or would I have to look elsewhere?
0. I tried applying for one and got rejected. Its probably just as well.
Calvin079
Have you looked into getting a secured credit card? I would recommend you do that, you'll be glad you did once you're older and want to buy a car/house etc. No, I haven't. would a bank offer such a thing, or would I have to look elsewhere? I think captial one offers them. Is your credit rating bad because you made it bad or because of your income?
[QUOTE="RedMarzBoy"] Have you looked into getting a secured credit card? I would recommend you do that, you'll be glad you did once you're older and want to buy a car/house etc.carrot-cake
No, I haven't. would a bank offer such a thing, or would I have to look elsewhere? I think captial one offers them. Is your credit rating bad because you made it bad or because of your income? My income is fairly low at this point of time. No, I am not saying how low.
[QUOTE="Calvin079"] No, I haven't. would a bank offer such a thing, or would I have to look elsewhere?
Calvin079
I think captial one offers them. Is your credit rating bad because you made it bad or because of your income? My income is fairly low at this point of time. No, I am not saying how low. Doesnt matter how low, but is your credit rating legitimately bad? Are you a student? If so, did you apply for a student credit card? Oh, and another question, did the credit card company not give a reason why you were rejected?
How many mechanics will do work without you first giving them your CC?
ehhwhatever
How should I know? I have a few friends who are mechanics so that's not really an issue.
Well cars go places and break down. It is an issue, no CC no fix.
This is just ignorant. Just about any mechanic out there will work on your car without a credit card. After the work is done and you don't pay the bill then you just don't get your car back until you've paid it.
0. I don't really need one right now nor do I have the funds to actually pay the bill for one.
harashawn
Get one, buy a chocolate bar or something cheap with it, pay it off right away. Then you'll have credit rating. It's a fantastic system.I feel the opposite about that. I don't have a job to support the actual need of a credit card plus there's other ways to build credit. I don't want to be one of those people who end up in serious debt later on in life all thanks to a plastic card.
0. I don't really need one right now nor do I have the funds to actually pay the bill for one.
Get one, buy a chocolate bar or something cheap with it, pay it off right away. Then you'll have credit rating. It's a fantastic system.I feel the opposite about that. I don't have a job to support the actual need of a credit card plus there's other ways to build credit. I don't want to be one of those people who end up in serious debt later on in life all thanks to a plastic card. True, but it's always good to have a credit score.
[QUOTE="soulless4now"][QUOTE="harashawn"] Get one, buy a chocolate bar or something cheap with it, pay it off right away. Then you'll have credit rating. It's a fantastic system.harashawn
I feel the opposite about that. I don't have a job to support the actual need of a credit card plus there's other ways to build credit. I don't want to be one of those people who end up in serious debt later on in life all thanks to a plastic card. True, but it's always good to have a credit score.I know that since the other half of my adult life will depend on it, but while I'm still in school, I'll pass on it. No need for an extra bill.
[QUOTE="harashawn"][QUOTE="soulless4now"]I feel the opposite about that. I don't have a job to support the actual need of a credit card plus there's other ways to build credit. I don't want to be one of those people who end up in serious debt later on in life all thanks to a plastic card. soulless4now
True, but it's always good to have a credit score.I know that since the other half of my adult life will depend on it, but while I'm still in school, I'll pass on it. No need for an extra bill. Why not just use the credit card as if it were cash? Thats what I do, and I only gain from doing so. Use it as a simple charge card to be paid off in full at the end of the month, so you can accumilate a better credit score slowly, but surely.
None. I'll likely get one in the future which I'll just buy $20 worth of something on a month and always pay back in full right away, just to build a credit. After that, their only use is for said credit or emergencies. I don't spend money I don't have.
I have a debit card and that's all I have or want. Credit card rules piss me off and I see no need to use one so I don't. Also, I don't see myself being 100% responsible with that kind of power. I don't travel and loans help me out of any jams I get into. I don't need a credit card.
When I actually have a decent paying job that pays me more than a living wage, we'll talk about getting a credit card.
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