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credit - 6G Celicas Forums

Topic #41800 36 posts Started by Toyoca
BlackCelicaGT94
#31
Yeah i was a lil pissed to find out when Express denied my application cuz I already had a card and my mom had put one in my name but not told me!!!!!!! but she wont give it to me - wtf
Cruisin down the street in my Infiniti...always lookin for my next trip to Sin City
saleeka
#32
I dont know about you, but I would be FURIOUS if I found out my parents were forging my signature on any credit application, regardless of their intention...
Car #3: 98 Accord LX- purchased 5/06, totaled 8/06Car #2: 95 Celica GT- purchased 8/03, current daily driverCar #1: 01 Focus ZX3- purchased 5/01, sold 8/03
BlackCelicaGT94
#33
I dont think its forging. I think they call and say "we'd like to add our daughter on to the account" and then they send the card and i never check the mail so they keep it. I dont know how many they have in my name but i get declined for credit cards all the time cuz of my history!

im -100 bucks atleast each pay period. All that is changing in November tho so I can get my g35 :-)
Cruisin down the street in my Infiniti...always lookin for my next trip to Sin City
bufferdan
#34
>
QUOTE(confucious @ Oct 6, 2006 - 8:02 PM) [snapback]488523[/snapback]
>
BUT as far as BUILDING credit, why buy a new thing on it EACH month and pay it off completely and follow this cycle: buy something, pay it, buy something, pay it, buy something pay it??? I don't think you want to be getting a youngster in this pattern.

Why not just buy something, pay it slowly and it will be reported on your credit each month? I'm guessing he doesn't plan on buying a house in a few months. If you just slowly pay it off, you'll be in awesome shape by the time you are my age.



INTEREST??? Why would you want to give free money to them if you dont have to? You wouldnt have to give away free money (interest) if you use proper spending methods like not charging more than you can afford and paying the amount off in full. Credit card companies dont like people that do it the right way of course....they aint making anything off me, in fact they paid me 180$ last year just for using the card smile.gif Maybe thats why they keep bumping my limit up though...to try to get me to spend more than i have so i have a balance and get those nice interest charges.

Try this out...
http://www.bankrate.com/brm/calc/MinPayment.asp

This post has been edited by bufferdan: Oct 6, 2006 - 8:01 PM
Ale_lock
#35
Nice link, gimmeh more info! tongue.gif
confucious
#36
>
QUOTE(bufferdan @ Oct 6, 2006 - 7:50 PM) [snapback]488601[/snapback]
>
INTEREST??? Why would you want to give free money to them if you dont have to? You wouldnt have to give away free money (interest) if you use proper spending methods like not charging more than you can afford and paying the amount off in full. Credit card companies dont like people that do it the right way of course....they aint making anything off me, in fact they paid me 180$ last year just for using the card smile.gif Maybe thats why they keep bumping my limit up though...to try to get me to spend more than i have so i have a balance and get those nice interest charges.

Try this out...
http://www.bankrate.com/brm/calc/MinPayment.asp

effort vs. interest.
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