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That's just a debit cardA serious question:
If I have a credit card from my bank which directly takes money out of my bank account when I purchase things, am I builduing credit that way?
It's both my debit and credit card.....
I'm 22 and I've only had my 1st CC for 1 month now. It's an Amex green. I don't have a choice it has to be paid in full. Right now I'm just focusing on looking good for American Express so that I can easily upgrade to a gold card with better rewards. I would say pay the credit cards in full and use auto/home financing and other stuff for the building aspect of credit. but i'm new at this so I'd love to hear tips as well. I'm kinda opposed to credit cards which is why I denied all my offers until Amex since its a charge card.
I uhh... said that's what it was in the post. It's still considered a line of credit to the FICO folks though. And people are having the whole pay in full debate so i was just throwing my $0.02thats a charge card
which unless you got all the cash in hand, its a good card but for a lot of people on this site who arent gonna be paying in full, a regular CC is what they need.
Amex been sending me multiple letters in the mail for the green amex, i will eventually get it one day i just hate paying yearly for cards right now.
Because of the points/rewards. In close to 10 years of having CC's, I've only paid interest a couple times during that span and it was a couple dollars. I've gotten 2 free flights to Mexico, cash back and other stuff, basically for free.Lol at dudes always saying CCS are traps, don't spend money you don't have and you should be good. Treat it like a debit card.
If you have the money then why even bother to use credit? Paying someone interest to borrow money doesn't sound appealing to me, sorry.
One of the most common myth out there regarding credit score and CC.Also is it better to pay the entire balance off in full or not? Trying to get my credit up so any input would be greatly appreciated
I uhh... said that's what it was in the post. It's still considered a line of credit to the FICO folks though. And people are having the whole pay in full debate so i was just throwing my $0.02thats a charge card
which unless you got all the cash in hand, its a good card but for a lot of people on this site who arent gonna be paying in full, a regular CC is what they need.
Amex been sending me multiple letters in the mail for the green amex, i will eventually get it one day i just hate paying yearly for cards right now.
I'm just using it as a debit card that shows up as credit history which i think is the smart way to do it. Of course they want you to keep a balance and pay interest on stuff.. so they can make money off you. If looking good means looking like a sucker I'm not with that. As far as the annual fee goes i see it sorta paying for itself through benefits for the way im going to use it, but when i upgrade to gold. i'll definitely get my money's worth. And my first year fee was waived so thats all good
nrg1604 yea I've been paying my balance off at the end of the month.
Not sure if I should take the Discover It card or re-apply for an AMEX
nrg1604 yea I've been paying my balance off at the end of the month.
Not sure if I should take the Discover It card or re-apply for an AMEX
Discover and Amex are both good. I use discover for the cashback on Nike, FNL, FTL, Eastbay etc and amex for it's point on big purchases. Amex hands down best customer service.
well what kind of credit score do you have?Does anyone know what the minimum score is required to have a
Amex?
Best Buy?
Target?
nrg1604 yea I've been paying my balance off at the end of the month.
Not sure if I should take the Discover It card or re-apply for an AMEX
Or maybe a charge card or debit card is best for those people since it'll prevent them from overspending?thats a charge cardI'm 22 and I've only had my 1st CC for 1 month now. It's an Amex green. I don't have a choice it has to be paid in full. Right now I'm just focusing on looking good for American Express so that I can easily upgrade to a gold card with better rewards. I would say pay the credit cards in full and use auto/home financing and other stuff for the building aspect of credit. but i'm new at this so I'd love to hear tips as well. I'm kinda opposed to credit cards which is why I denied all my offers until Amex since its a charge card.
which unless you got all the cash in hand, its a good card but for a lot of people on this site who arent gonna be paying in full, a regular CC is what they need.
Amex been sending me multiple letters in the mail for the green amex, i will eventually get it one day i just hate paying yearly for cards right now.
Does anyone know what the minimum score is required to have a
Amex?
Best Buy?
Target?
well what kind of credit score do you have?