Just got my first credit card i need tips/advice

[freakshow]

finally got a CC .  its Capital one with Zero interest until April 2011.
Need Tips/advice on what to NOT to do.

 

[freakshow]

finally got a CC .  its Capital one with Zero interest until April 2011.
Need Tips/advice on what to NOT to do.

 

[trelvis tha thrilla]

Go throw it away

 

[trelvis tha thrilla]

Go throw it away

 

[losalmighty]

try not to carry a balance. Putting stuff on the card and paying it off right away will boost your credit rating. Even if it's just small stuff. And if you need to carry a balance, always pay more than the minimum.

 

[losalmighty]

try not to carry a balance. Putting stuff on the card and paying it off right away will boost your credit rating. Even if it's just small stuff. And if you need to carry a balance, always pay more than the minimum.

 

[nktran001]

0 Interest 'til April 2011?

You should start spending now.

Tips/advice: Buy things only above $99

 

[nktran001]

0 Interest 'til April 2011?

You should start spending now.

Tips/advice: Buy things only above $99

 

[atlien seeko]

*Looks at title*

RIP

 

[atlien seeko]

*Looks at title*

RIP

 

[l knicks fresh knick l]

LOS and Nktran001 give great advice. don't do anything that you know will mess up ya credit.. and just be smart about purchases.

 

[l knicks fresh knick l]

LOS and Nktran001 give great advice. don't do anything that you know will mess up ya credit.. and just be smart about purchases.

 

[91 west]

Cut it up!!

 

[91 west]

Cut it up!!

 

[rawjs]

I would recommend not carrying a credit card due prior awful experiences. If you are going to carry a card, you will need to make MORE THAN YOUR MINIMUM PAYMENT EVERY MONTH. What I would recommend is carrying around a debit card and living life by the phrase, "If I don't have the money to pay this off now, I should not be buying it".

 

[rawjs]

I would recommend not carrying a credit card due prior awful experiences. If you are going to carry a card, you will need to make MORE THAN YOUR MINIMUM PAYMENT EVERY MONTH. What I would recommend is carrying around a debit card and living life by the phrase, "If I don't have the money to pay this off now, I should not be buying it".

 

[diego]

Cut it up and throw it away before you memorize the number.
Your bank account will thank you.

 

[diego]

Cut it up and throw it away before you memorize the number.
Your bank account will thank you.

 

[freakshow]

im debating if ima keep it or wait until i am done with school.
i make a decent living now. but no credit just paying off the car.

 

[freakshow]

im debating if ima keep it or wait until i am done with school.
i make a decent living now. but no credit just paying off the car.

 

[ndizzle23]

When I use mine I make sure I have the funds to pay it off.. interest is a b@*$%

 

[ndizzle23]

When I use mine I make sure I have the funds to pay it off.. interest is a b@*$%

 

[boilermaker x]

Having a credit card doesn't mean you have any more money than you did yesterday.  Simplest advice?  Don't spend what you don't already have.  Unless you have a need for the card (i.e. you don't want to roll with a couple thousand in your pocket to make a significant purchase), stick to cash and leave the card at home.  Too many people get in trouble way too easily with plastic. 

 

[boilermaker x]

Having a credit card doesn't mean you have any more money than you did yesterday.  Simplest advice?  Don't spend what you don't already have.  Unless you have a need for the card (i.e. you don't want to roll with a couple thousand in your pocket to make a significant purchase), stick to cash and leave the card at home.  Too many people get in trouble way too easily with plastic. 

 

[mytsharp]

Originally Posted by 91 West

Cut it up!!