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Random fashion thoughts - Page 5733  

post #85981 of 109053
Quote:
Originally Posted by NaTionS View Post

I don't understand why people are averse to credit cards. Getting one doesn't mean you need to go out and spend yourself into debt. And there's so many benefits, fraud protection, extra warranty, no foreign exchange fees, etc...

this. i was losing money by not using one.

post #85982 of 109053
Yeah for anyone that can handle a credit card responsibly, it's basically stupid not to use one. Fraud protection, additional warranties, rewards plans, builds your credit history, etc.
post #85983 of 109053
Yeah, but it's also a pretty solid demonstration of restraint if you know that you're in a position where you're unsure if you can use a credit card responsibly.
post #85984 of 109053
Quote:
Originally Posted by crosswound View Post

slim tapered black cargo pants recommendations? thanks nod[1].gif

Balenciaga :nodding:

post #85985 of 109053
Culture in the workplace is dying one horrible awful pair of loafers at a time.
post #85986 of 109053
if youre worried about spending too much get an amex, no choice to pay it off. also lets you order 6 different sizes of everything and only keep the 1 that fits!
post #85987 of 109053
people on this site love reading way too much into things and making assumptions about people's lives.
post #85988 of 109053
Quote:
Originally Posted by mike868y View Post

people on this site love reading way too much into things and making assumptions about people's lives.

The irony is killing me.
post #85989 of 109053
Quote:
Originally Posted by KingJulien View Post

Get one and use it to buy a coffee or something once a month.  Easier now since your credit limit will probably be like $200 to start anyway.

Quote:
Originally Posted by gettoasty View Post

If you know that you're going to have proceeds soon then why not leverage with a CC first to make a purchase knowing you will pay it off on due date? You just have to be responsible and have a bit of planning. You need to start building a credit history anyways.

but for real though, if you don't have a cc at this point (assume you're in college?), you should get one simply to build credit. put some stuff you'd normally buy in cash w it and pay off in full each month. no credit is just as bad as bad credit, and building a history will help improve your score.
post #85990 of 109053
Quote:
Originally Posted by NaTionS View Post

I don't understand why people are averse to credit cards...

It seems like there's a new and exciting reason every day! In addition to the boring old ones, now, more and more, your purchases are not only being tracked, sold, and re-sold by advertisers, but to your insurance providers as well. Should you (or eventually, your children) succumb at any time to a medical ailment, something as innocuous-seeming as your food purchase history could be used to deny you money from your insurance company. And that's just the corporate side. Meanwhile, Uncle Sam is busy cross-referencing your kop list with whatever kitten videos you *liked* on Facebook this week. Awesome times! icon_gu_b_slayer[1].gif
post #85991 of 109053
Quote:
Originally Posted by superego View Post


but for real though, if you don't have a cc at this point (assume you're in college?), you should get one simply to build credit. put some stuff you'd normally buy in cash w it and pay off in full each month. no credit is just as bad as bad credit, and building a history will help improve your score.

i already mentioned my credit is basically trash at this point. a coffee a week isn't going to fixit.
post #85992 of 109053
Quote:
Originally Posted by mike868y View Post

i already mentioned my credit is basically trash at this point. a coffee a week isn't going to fixit.

it isn't the coffee, it's simply having the thing.
post #85993 of 109053
i get what you guys are saying. you guys don't get that there's a lot of other factors coming into play so can you all shut the fuck up about me having a credit card/credit score?
post #85994 of 109053
Quote:
Originally Posted by noob View Post

It seems like there's a new and exciting reason every day! In addition to the boring old ones, now, more and more, your purchases are not only being tracked, sold, and re-sold by advertisers, but to your insurance providers as well. Should you (or eventually, your children) succumb at any time to a medical ailment, something as innocuous-seeming as your food purchase history could be used to deny you money from your insurance company. And that's just the corporate side. Meanwhile, Uncle Sam is busy cross-referencing your kop list with whatever kitten videos you *liked* on Facebook this week. Awesome times! icon_gu_b_slayer[1].gif

So you browse SF through Tor then, I assume?
post #85995 of 109053
Quote:
Originally Posted by mike868y View Post

i already mentioned my credit is basically trash at this point. a coffee a week isn't going to fixit.

This is decidedly untrue. While it won't happen over night, establishing a pattern of good payer history (even in spite of past (mis)deeds) will only help you down the road.
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