 Paid off the Credit Card, I did it finally! |
 Nov 17, 2005 - 11:18 AM
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 Enthusiast  Joined Mar 4, '03 From Kirkland, Washington Currently Offline Reputation: 0 (0%)  |
Ok so ive put off my credit card for a while hoping money would fall from the sky cuz I have monthly bills I gotta keep up on. I wrote down all my bills recently and talked it over with my parents and they see that i was in a bind so they said they would cover about half as long as I made effort to pay. So yesterday I was like IM TIRED OF THINKING OF THIS GOD DAMN CREDIT CARD - its been on my mind for a year and a half! so I finally went down and paid my 500 dollars on it. It feels so good to have it gone but now im like crap im going to be negative in my bank account. Maybe i shouldnt have paid all of it off! but i just want it gone so i dont have to think about it!
I hate credit cards..i wish someone would have told me what I now tell youngins....Get a credit card when you turn 18 but just buy a dvd or two with it every now and then and dont pay it all in full...make the minimum payment a few times before you pay it all so it shows you can be on time with payments and continue doing so. I am going to try for a credit card again but i only want a 500 dollar limit so it will be there for emergencies only! Yay only about 800 more dollars of stupid past bills (including a 50 dollar library fine) and ill be done! :-) i love this feeling of getting rid of debt! cuz its a scary thought to think that i would be turned down for a loan in my mid-late 20's to buy a house or a car! So kids - Pay your bills! -------------------- Cruisin down the street in my Infiniti...always lookin for my next trip to Sin City
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Replies
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Nov 17, 2005 - 11:48 AM
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Enthusiast Joined Jun 29, '03 Currently Offline Reputation: 0 (0%) |
Credit cards are evil!
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Nov 17, 2005 - 12:07 PM
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 Enthusiast Joined Feb 5, '05 From pineapple under the sea Currently Offline Reputation: 9 (100%) |
Library fees?? come on, just don't go there for about 3 years and you fall off the list. Thats what I did. I had a book checked out for like.. a year.. and they said I had a 70$ fee, so I didn't go for years. Then when I went back they didn't have me on the list, so I re-applied and POOF.... no more fine.
-------------------- 1991 MR2 - T-tops - Crimson Red - Gen3 3SGTE - Lots of money
 I'm not really an asshole, but I play one on the internet. **** Photobucket |
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Nov 17, 2005 - 12:45 PM
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 Enthusiast Joined Aug 17, '03 From Bloomington, Indiana Currently Offline Reputation: 62 (98%) |
I love my credit card, and I stay outta trouble.... Had it since I was 15..... No problems, and it keeps me from carrying a lot of cash around
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Nov 17, 2005 - 12:50 PM
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 Enthusiast Joined Feb 10, '03 From Connecticut Currently Offline Reputation: 11 (100%) |
I rack up about a $300 bill every month but since I use it for just about everything I normally would with cash I pay it off every month.
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Nov 17, 2005 - 12:56 PM
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Enthusiast Joined Aug 17, '03 From Bloomington, Indiana Currently Offline Reputation: 62 (98%) |
QUOTE(Supersprynt @ Nov 17, 2005 - 5:50 PM) [snapback]356628[/snapback] I rack up about a $300 bill every month but since I use it for just about everything I normally would with cash I pay it off every month. About the same as me -------------------- |
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Nov 17, 2005 - 12:59 PM
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Enthusiast Joined Jan 17, '04 From Illinois Currently Offline Reputation: 0 (0%) |
QUOTE(Supersprynt @ Nov 17, 2005 - 11:50 AM) [snapback]356628[/snapback] I rack up about a $300 bill every month but since I use it for just about everything I normally would with cash I pay it off every month. Smart man. I do the same albeit with higher bills. The notion that you should not pay something off in order to develop a credit history is silly. Having and using the credit card is developing the credit history. There is no reason to incur high interest charges. -------------------- QUOTE(lagos @ Jul 10, 2006 - 1:55 PM) [snapback]454118[/snapback] i know your trying to do the right thing for your motor, but this is one of those times where you should just trust the guys who have had their swaps for a while and have done a ton of research into this. |
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Nov 17, 2005 - 1:33 PM
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 Enthusiast Joined May 17, '03 From Florence, KY Currently Offline Reputation: 0 (0%) |
QUOTE(jgreening @ Nov 17, 2005 - 10:59 AM) [snapback]356636[/snapback] QUOTE(Supersprynt @ Nov 17, 2005 - 11:50 AM) [snapback]356628[/snapback] I rack up about a $300 bill every month but since I use it for just about everything I normally would with cash I pay it off every month. Smart man. I do the same albeit with higher bills. The notion that you should not pay something off in order to develop a credit history is silly. Having and using the credit card is developing the credit history. There is no reason to incur high interest charges. If you use it that consistently you should get a rewards card. I have a Delta Skymiles card. I get skymiles for every dollar spent and double for gas. I hope they're still around long enough for me to use them. |
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Nov 17, 2005 - 1:47 PM
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Enthusiast Joined Feb 10, '03 From Connecticut Currently Offline Reputation: 11 (100%) |
Yeah I am looking into a rewards card. I kinda like the Universal CitiBank one that you can get free DVDs and tickets to Universal studios and such.
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Nov 17, 2005 - 2:07 PM
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 Enthusiast Joined Jan 10, '04 From Shoreline, WA Currently Offline Reputation: 4 (100%) |
lol credit cards, I have a semi credit card, kinda thing, but it does not matter, I dont have debt because I dont buy anything unless I have enough money to pay for it right then. If not I wait till I do.
but congrats on taking control of your debt, now if only my sister could do that, (nm that I said that) PS: I love the quick edit feature 
This post has been edited by creis: Nov 17, 2005 - 2:08 PM --------------------  |
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Nov 17, 2005 - 3:34 PM
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 Enthusiast Joined Aug 30, '02 From Ohio Currently Offline Reputation: 0 (0%) |
CONGRATS!!!
lol I paid off my 3 CCs and my car loan a couple months ago. damn good feeling not being in debt anymore. -------------------- Jared Harwell
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Nov 17, 2005 - 4:00 PM
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 Enthusiast Joined Mar 18, '04 From Portland OR / Vancouver WA Currently Offline Reputation: 0 (0%) |
QUOTE(Chanh55 @ Nov 17, 2005 - 8:48 AM) [snapback]356598[/snapback] Credit cards are evil! I agree...& I am jealous! I will have mine paid off one day (i hope i hope) --------------------  |
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