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torontotrucho


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RE: Own Credit Cards???
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I just finnished paying one, and I'll try to pay another one in two months.  The amount I could use in both cards are ridiculous, they try to make slaves out us who have to pay so much interest on the purchases we do. 


Credit cards are really designed to be paid in full by the end of the month.  Just remember this,and try not to use more than 10% of what the limit is.



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Fruta
CrazyBeautiful


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i dont have a credit card....thank goodness...i wouldnt trust myself,...i would max it rite away..and be in debt....im a shopaholic...if i c something i like,,i jus have 2 buy it.

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LGigolo


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miguel wrote:

i never owe a dime either.. love my amex (got 4 plane tickets on it already) get some self control people


  1. Is that available for purchase on line?

  2. Can I pay for it with my credit card?


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God


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Cocotaso wrote:
agaiN! eBAY is just such an addicting website :) yesterday I just bought a new Dell Axim X51V for 403!!!! This usually cost at stores at a price of 600 dollars..so this was a great deal and worth it.

I hope to receive it today!


I"ll pay it as soon as i get my pay cheque!!!! I actually enjoy buying off ebay..

Anyone else buys from EBAY???????

Dell Axim X51V


Compulsive Shopper ehhhhhh

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miguel


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Cocotaso wrote:
agaiN! eBAY is just such an addicting website :) yesterday I just bought a new Dell Axim X51V for 403!!!! This usually cost at stores at a price of 600 dollars..so this was a great deal and worth it.

I hope to receive it today!


I"ll pay it as soon as i get my pay cheque!!!! I actually enjoy buying off ebay..

Anyone else buys from EBAY???????

Dell Axim X51V


dude, are you sure you don't have a problem???

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Cocotaso


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agaiN! eBAY is just such an addicting website :) yesterday I just bought a new Dell Axim X51V for 403!!!! This usually cost at stores at a price of 600 dollars..so this was a great deal and worth it.

I hope to receive it today!


I"ll pay it as soon as i get my pay cheque!!!! I actually enjoy buying off ebay..

Anyone else buys from EBAY???????

Dell Axim X51V

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Bainaman


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God wrote:

Get yourself a Book of Dave Ramsey or try to listen his show....lots of advices on How to manage your finances.


I read this one



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GENIE


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Jade wrote:

Julie wrote: Jade wrote: I have never owned a credit card...and I am not entirely sure if I will ever get one...-- Edited by Jade at 08:52, 2006-04-25 Well, you better get one, even if you barely use it because it's the only way of building your credit line which might be MORE than helpful the day you will be buying your house. That will give you access to a mortgage, etc ..............         Is a LINE OF CREDIT with your bank considered as a way of building credit? ?

           YES IT IS ONE OF THE BEST WAYS TO ENSURE U BUILD A GREAT CREDIT!


          I HAD THREE A BAY AND MC AND A VISA I HAVE PAID OFF MY BAY AND CANCELLED IT MY M/C JUST PAID OFF IN JANUARY AND CANCELLED IT MY VISA I WILL KEEP CUZ U NEVER KNOW IN CASE OF A SALE!! LMAO!!!


          BUT YEAH ONLY HAVE A VISA NOW!! AND A LINE OF CREDIT THRU THE BUSINESS



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Guadalupana


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I own 2 and i use them sparingly.
And that is a very hard thing to do given that i LOVE to shop.
Boy do i practice will power often!

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God


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Cocotaso wrote:
I own 5 credit cards..and i hate it! damn it man!
I can never enjoy my pay cheque..it all goes to those damn cards..

damnit phuck!!!!!!! i hate it..i hate you...i've been so close of cutting you apart..but was not abel to do it...its like an addiction? what is it?

Who here owns credit cards ??? Enjoy havin gone? jeej..i bet you doo...tell us how excited you are to own a credit card... or how frustrated/mad you are to have one..in the beginning was alll gravy..but then it comes to a point of time in life where you get out of control and then think about how the hell i gonna pay ?..jeej.



Get yourself a Book of Dave Ramsey or try to listen his show....lots of advices on How to manage your finances.

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Bainaman


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I JUST payed off my credit card.

Such a relief!!


I don't use it much anymore......

I do need to look into those Air Mile cards though......

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melanie


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If you ARE NOT Collecting some sort of Airmiles.....get yourself a few cards: Air Miles and Aeroplan.  I buy gas where I can get miles, I buy my groceries..where I can get miles..Shop at Rona instead of Depot ...for miles...


I have been to Cali- 1, Miami -2, Bahamas- 1 and got a whole bunch of stuff ( cordless phones etc), Rented a car....


GET YOURSELF A CARD OR TWO.....ITS FREE



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Cocotaso


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having a credit card is great..but EVIL.

I'd buy something big...then i buy something else because i really want it..then I get paid..but then i want to buy something more lol..and pay the CC but not the full amount..and it just keeps adding up. even when u stop buying something..u will apparently use it again.

I need to really learn how to budget..my mom always would tell me..buy and then pay full as soon as you get your pay..but me...soy coco..argh! i will learn... i will learn..but its an addiction..

...i do make my montly payments..i have perfect credit history..i been using it for 6 years.

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Jade


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Julie wrote:

Jade wrote: I have never owned a credit card...and I am not entirely sure if I will ever get one...-- Edited by Jade at 08:52, 2006-04-25 Well, you better get one, even if you barely use it because it's the only way of building your credit line which might be MORE than helpful the day you will be buying your house. That will give you access to a mortgage, etc ..............
        Is a LINE OF CREDIT with your bank considered as a way of building credit? ?

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Julie


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Jade wrote:

I have never owned a credit card...and I am not entirely sure if I will ever get one...-- Edited by Jade at 08:52, 2006-04-25
Well, you better get one, even if you barely use it because it's the only way of building your credit line which might be MORE than helpful the day you will be buying your house. That will give you access to a mortgage, etc ..............

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Jade


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I have never owned a credit card...and I am not entirely sure if I will ever get one...



-- Edited by Jade at 08:52, 2006-04-25

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Julie


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TV Buff wrote:

No kidding! And the banks take full advantage of that. You know how much money banks make in interest? It's unreal! It baffles me when I see people with huge debts, especially at department stores, where the interest rate is like 28 per cent!
I know, but that's what I don't understand. For ex., I have the "poder adquisitivo" to have many cc, from banks or dpt stores but I don't ! And I know that my cc,even if used on a regualr basis, I always try to make it worth, i mean bigger buys and specially keep some credit for emergency .

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Pelon`


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miguel wrote:

i never owe a dime either.. love my amex (got 4 plane tickets on it already) get some self control people
Tell 'em like it is!

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TV Buff


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Julie wrote:

The bad thing is that most pple don't understand how CC works ! They think that the bank is giving money away or something ! They need to educate themselkf in how to give the proper usee to the cc and if you have no founding to clear it, just don't use it.

No kidding! And the banks take full advantage of that. You know how much money banks make in interest? It's unreal!


It baffles me when I see people with huge debts, especially at department stores, where the interest rate is like 28 per cent!



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Julie


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TV Buff wrote:

Credit Cards are evil, EVIL, I tell ya!Did you know that Canada as a country is millions and millions in credit card debt? It's just insane how much debt people are in. And they just keep buying stuff. It's sad, really.

The bad thing is that most pple don't understand how CC works ! They think that the bank is giving money away or something !


They need to educate themselkf in how to give the proper usee to the cc and if you have no founding to clear it, just don't use it.



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TV Buff


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melanie wrote:

LOVE CREDIT CARDS..... Especially my AE and MC because i collect Airmiles.. Im a freak for the miles

I have almost 1,000 air miles and I don't even know how, 'cause I always forget to collect them. I was going through the website the other day and there are so many good perks with them. I think i'm gonna start collecting!


As for the question, I only have one credit card that hubby and I share. We're both pretty good with money, and I can't think that I have debts and not pay or make big payments every month. Credit Cards are evil, EVIL, I tell ya!
Did you know that Canada as a country is millions and millions in credit card debt? It's just insane how much debt people are in. And they just keep buying stuff. It's sad, really.



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miguel


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i never owe a dime either.. love my amex (got 4 plane tickets on it already)

get some self control people

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Julie


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Pelon` wrote:

melanie wrote: LOVE CREDIT CARDS..... Especially my AE and MC because i collect Airmiles.. Im a freak for the miles I agree with melanie, I'm always using it to collect my Miles   As for owing money I don't owe a dime   The Key; only use when you have the $ for it.  Build your credit quick and fast :)~-- Edited by Pelon` at 07:14, 2006-04-25

I agree with you Pelon !


I love my CC and use it as much as I can, but first I make that I have the money to pay it.


 


Is it called budgeting



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Pelon`


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melanie wrote:


LOVE CREDIT CARDS..... Especially my AE and MC because i collect Airmiles.. Im a freak for the miles


I agree with melanie, I'm always using it to collect my Miles   As for owing money I don't owe a dime  


The Key; only use when you have the $ for it.  Build your credit quick and fast :)~



-- Edited by Pelon` at 07:14, 2006-04-25

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melanie


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LOVE CREDIT CARDS.....


Especially my AE and MC because i collect Airmiles..


Im a freak for the miles



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rick


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credit cards is a love hate  relationship


can you imagine living without them???  you wouldn be able to buy anythin (somethin big) ...



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Jaime Cruz


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Cocotaso wrote:

I own 5 credit cards..and i hate it! damn it man! I can never enjoy my pay cheque..it all goes to those damn cards.. damnit phuck!!!!!!! i hate it..i hate you...i've been so close of cutting you apart..but was not abel to do it...its like an addiction? what is it? Who here owns credit cards ??? Enjoy havin gone? jeej..i bet you doo...tell us how excited you are to own a credit card... or how frustrated/mad you are to have one..in the beginning was alll gravy..but then it comes to a point of time in life where you get out of control and then think about how the hell i gonna pay ?..jeej.

What's a credit card


 


 


 


 


 


 


 


 


 


 


 


Joke. I love using them, but I hate paying them.



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Cocotaso


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I own 5 credit cards..and i hate it! damn it man!
I can never enjoy my pay cheque..it all goes to those damn cards..

damnit phuck!!!!!!! i hate it..i hate you...i've been so close of cutting you apart..but was not abel to do it...its like an addiction? what is it?

Who here owns credit cards ??? Enjoy havin gone? jeej..i bet you doo...tell us how excited you are to own a credit card... or how frustrated/mad you are to have one..in the beginning was alll gravy..but then it comes to a point of time in life where you get out of control and then think about how the hell i gonna pay ?..jeej.


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