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Anyone here not care about credit?
- Thread in 'General' Thread starter Started by themovieguy,
- Start date
superblytrife
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A lot of you "don't care about credit" cats gon' learn when you grow up.
There are obviously more important things in life, but trust that your credit is a huge deal. I learned that later in life than I would've liked, but thankfully not too late to get back on track.
Take the advice of someone older than 95% of NT: take a proactive approach to maintaining your credit as soon as possible. There is no downside to doing so, other than having to be responsible with spending.
Brainwashing of america right here. Associating responsible spending with borrowing money. That's an oxymoron in itself. The "if you can't afford it, don't buy it" adage never failed me. Prosper OP
Responsible spending in regards to credit uses the exact same "if you can't afford it, don't buy it" mantra you just said you live by. But you've proven to be an idiot in a lot of other threads, so I don't expect you to grasp the concept.
Holler at us when you want to buy a home with that mantra, btw. Make a thread about it--should be entertaining.
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How does cash back work? Don't you have to spend a certain amount in order to get that cash back?
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Ok now how does it work like do I make monthly payments on it? So if I buy something that's $200 with it do I have to pay $200 at the end of the month or is it a certain amount of monthly payments
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There will be a minimum payment due every month. Or like others have said, you can just pay off the balance.
ogmcmxcii
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Wait a min [emoji]129300[/emoji][emoji]129300[/emoji]
I've seen your sn somewhere else on here
![SPOILER]](/proxy.php?image=https%3A%2F%2Fmedia.giphy.com%2Fmedia%2Fl41lIrgHuJ8zyOrAI%2Fgiphy.gif%5Bimg%5D+%5B%2FSPOILER%5D&hash=555dfa189f3c03a774d38266465eb75f)
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Yeah, you'll probably have a minimum payment of like $20 or something but definitely pay more than the minimum. Depending on your card, it's ok to have ~15% utilized at all times. It gives your credit cards something to report to the agencies.
Spend some time in this thread below. It'll do you good.
http://niketalk.com/t/521602/24-loo...some-good-tips-on-your-first-credit-card/4020
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Appreciate all the help thanks gona go get me a card tomorrow
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Get something with great rewards that gives you cash back for spending money at places you need to shop at. Loving my Freedom card right now. 5% at grocery stores
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Maxed my first credit card out when I had my daughter and couldn't find a job 
by the time I found the gig, it was tough trying to pay it off and still provide since my wife(girlfriend at the time) wasn't working.
Now my wife wants to buy a house and w/ student loans and an already roughed up credit score, gon be tough.
by the time I found the gig, it was tough trying to pay it off and still provide since my wife(girlfriend at the time) wasn't working. Now my wife wants to buy a house and w/ student loans and an already roughed up credit score, gon be tough.
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Agree 100%
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I always pay my cards off in full each month unless it's 0 interest for let's say 15 months. In that case, I just make sure it's paid off completely by the end of the 0 interest cycle.
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I lived with a single mother working her *** off for 3 boys.
I don't blame her fof not teaching me everything but money is a lesson I wish I would of been taught.
Its way more then the bills you have in your pocket.
One lesson I'll pass down to my daughter.
I don't blame her fof not teaching me everything but money is a lesson I wish I would of been taught.
Its way more then the bills you have in your pocket.
One lesson I'll pass down to my daughter.
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For all of y'all saying buy cars cash and what not, you realize that can lead to the headache of being audited. Anything over 10k cash gets reported to the IRS.
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No amount needed
6% back grocery
3% gas and dept stores
1% everywhere
Each month your balance updates, you can apply the cash back anytime you want
AMEX also always you to see your credit score updated monthly
#team800 checking in
My score is 831
Also I taught myself about money, started working when I was 13, I think making excuses of not being taught about money is a cop out, spending what you have isn't rocket science and if you are still spending recklessly in your 20's it's because you choose not to manage your cash flow
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That seems like a better card than my Freedom. Can you redeem your points at Amazon? Do you get an Amazon bonus at all during Christmas or does that file into dept stores by any chance? For me, I shop a lot at Amazon so I often use my cash back there.
No amount needed
6% back grocery
3% gas and dept stores
1% everywhere
Each month your balance updates, you can apply the cash back anytime you want
AMEX also always you to see your credit score updated monthly
#team800 checking in
My score is 831
Also I taught myself about money, started working when I was 13, I think making excuses of not being taught about money is an excuse, spending what you have isn't rocket science
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Hmm I rarely shop with Amazon so I'm not sure if that's a 6% reward or not but you can use the cash back for Amazon or to cop gift cards
I always just use it to go towards my balance though
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Gonna look into that card. You can rack up some nice cash back just with buying groceries, especially when you have a family
there have been times when I wanted to swipe my card for strangers at the store to get the points and have them reimburse me in cash 
al audi
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POINT I was making is..........
Credit freaking matters to most ppl like you an I on this forum....................if you have a salary $500k+ who gives a ****.
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My finance classes in college didn't even talk about credit. With how much info is available online and the thread on nt and other forums, everyone should educate themselves on it.
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Effed up my credit a little when I was 21. Four years later it hasn't hurt me, but my goal by the end of the year is to have it fixed. Definitely aiming for a new whip next year.
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POINT I was making is..........
Credit freaking matters to most ppl like you an I on this forum....................if you have a salary $500k+ who gives a ****.
It matters when your interest rate is through the roof.
Just because you're making 500k+, doesn't mean you're responsible with your finances. And it could come back to bit you in the ***.
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i dont think he gets the fact that less than .5% of the people in the US make 600k a year...
pointing out the outlier isnt a point...its a donald trump like exception...like million dollar interest free loans..
pointing out the outlier isnt a point...its a donald trump like exception...like million dollar interest free loans..