I need a new credit card

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Re: I need a new credit card

Post by Robo-Pussy on Thu Mar 24, 2011 7:40 pm

In regards to your credit card non-usage, in a way it's admirable. The way you are conducting your finances sounds very intelligent and healthy. But credit cards aren't the problem. People lack of self-control is. Because it doesn't matter what a credit card company tells you about how being in debt it good. All a person has to do is look at what they would be paying in interest and if they have any brain at all or any time of good judgment they will see that it isn't a good idea.

But it is possible that this is just me, because I certainly don't seem to be the norm in this country. That's just how I was brought up. Whenever my dad bought a car he always paid for it up front at the time of purchase and he never had a car payment. His explanation would be "What if I lost my job tomorrow?" I found that really admirable.

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Re: I need a new credit card

Post by winterborne1 on Thu Mar 24, 2011 9:00 pm

Personally, if I ever had a car malfunction that costed more than my emergency fund could handle, I'd just sell the car and use the money to get a cheap, reliable car while I save up and trade-in for a better car a couple years later. That way, every penny I spend has a purpose, and I don't get caught losing money on interest.
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Re: I need a new credit card

Post by winterborne1 on Thu Mar 24, 2011 9:08 pm

Also, I agree that the real issue isn't the card, but rather the people who spend on the card. But you can't deny that the card is the enabler. Without the card, there is no frivolous spending beyond your means. All you can do is spend the money you have. And while I could probably trust myself to handle a credit card now as opposed to before, I can't trust that my job won't let me go right before I end up needing a kidney transplant. Weird shit happens. I'd rather sell stuff to fix that shit, than go into debt again.

The way I see it, old stuff can be sold and eventually replaced. The money you spend on interest, you'll never see again, in ANY form.
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Re: I need a new credit card

Post by chingon on Thu Mar 24, 2011 9:14 pm

Mongo sure is sensitive for a caveman. Or maybe its just Winter that brings it out in him. Hrmph.
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Re: I need a new credit card

Post by winterborne1 on Thu Mar 24, 2011 9:24 pm

http://www.youtube.com/watch?v=0yNwpYqMzxw
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Re: I need a new credit card

Post by winterborne1 on Thu Mar 24, 2011 9:27 pm

chingon wrote:Mongo sure is sensitive for a caveman. Or maybe its just Winter that brings it out in him. Hrmph.

It's not me, it's Californians. All we do is surf and smoke pot, so when we talk, you can rest assured that what we're saying is completely retarded.
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Re: I need a new credit card

Post by chingon on Thu Mar 24, 2011 9:37 pm

I really should learn how to surf.
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Re: I need a new credit card

Post by winterborne1 on Thu Mar 24, 2011 9:38 pm

Me too.
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Re: I need a new credit card

Post by Whitey Bulger on Thu Mar 24, 2011 9:40 pm

chingon wrote:Mongo sure is sensitive for a caveman. Or maybe its just Winter that brings it out in him. Hrmph.

Shuttup fatass. Tell us more about your so-called hookups with young women. I doubt a girl would touch you to smack you.


How is this ugly piece of shit calling me a caveman when he could never dream to be as good looking? Im no brad pitt but I am a hell of a lot more attractive.

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Re: I need a new credit card

Post by Whitey Bulger on Thu Mar 24, 2011 9:42 pm

Lolz

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Re: I need a new credit card

Post by Robo-Pussy on Thu Mar 24, 2011 9:47 pm

winterborne1 wrote:Personally, if I ever had a car malfunction that costed more than my emergency fund could handle, I'd just sell the car and use the money to get a cheap, reliable car while I save up and trade-in for a better car a couple years later. That way, every penny I spend has a purpose, and I don't get caught losing money on interest.

If my 2002 Jeep had a serious issue that i couldn't afford I doubt I would get much for it. lol

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Re: I need a new credit card

Post by chingon on Thu Mar 24, 2011 10:52 pm

Whitey Bulger wrote:
chingon wrote:Mongo sure is sensitive for a caveman. Or maybe its just Winter that brings it out in him. Hrmph.

Shuttup fatass. Tell us more about your so-called hookups with young women. I doubt a girl would touch you to smack you.


How is this ugly piece of shit calling me a caveman when he could never dream to be as good looking? Im no brad pitt but I am a hell of a lot more attractive.

LOL! Touched a sore spot with you I'm guessing? You sure do a lot of the same shit you get all over Winter for doing. Too funny.
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Re: I need a new credit card

Post by Garrett on Thu Mar 24, 2011 10:53 pm

wait 'til I get my money right

then you can't tell me nothing, right?
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Re: I need a new credit card

Post by chingon on Thu Mar 24, 2011 11:05 pm

From the ages of 18 - 22 I was irresponsible with credit. Luckily i straightened all that out well before my ex and I bought our home. It really sucked having to sell that place.
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Re: I need a new credit card

Post by karausu on Thu Mar 24, 2011 11:06 pm

Lot's of panties tightening up here. I don't think Jeff -as he has already states- gave his opinion (advice) with the intention of coming off better-than or more intelligent-than anyone. He's simply giving advice based on his own personal experience -whatever that may be- and like he said, you asked for it.

Anyways, I both agree and disagree, but in my experience having a CC wasn't the best choice for a person like me who comes from a family of people that are not that great with money, and who himself was never that great with money. When I had my first CC I made payments on time, all the time until I started using it like mad when I'd hang out with friends.

The best advice I've seen was that if it's an investment, save up for it. You have excellent credit now, but so do most people before they get CC's.

You might be the exception though. Some people are really good with money, and others like myself are not.

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Re: I need a new credit card

Post by NOT MONGO on Thu Mar 24, 2011 11:56 pm

chingon wrote:
Whitey Bulger wrote:
chingon wrote:Mongo sure is sensitive for a caveman. Or maybe its just Winter that brings it out in him. Hrmph.

Shuttup fatass. Tell us more about your so-called hookups with young women. I doubt a girl would touch you to smack you.


How is this ugly piece of shit calling me a caveman when he could never dream to be as good looking? Im no brad pitt but I am a hell of a lot more attractive.

LOL! Touched a sore spot with you I'm guessing? You sure do a lot of the same shit you get all over Winter for doing. Too funny.

no its just easy to find something to say about you and there is no comparison between what jeff does and what i do


Last edited by NOT MONGO on Fri Mar 25, 2011 12:05 am; edited 1 time in total
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Re: I need a new credit card

Post by NOT MONGO on Fri Mar 25, 2011 12:02 am

my intention is to get a credit card, retrieve money, invest that money in a money-making scheme, receive profit, pay off bill, cancel card.

maybe i should have said this at the beginning, but i dont think it really matters. i just wanted to know whats a good card. not if its a good idea that i should own a cc or not..

i dont care about your experiences unless its with a specific card company

i could save up money for it, but the objective is to invest now. i dont want it to cut into my bills and social expenses right now, even if it would be a small speedbump- im never behind on bills and i dont plan on doing so..
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Re: I need a new credit card

Post by karausu on Fri Mar 25, 2011 12:18 am

That sounds like real it's always sunny bullshit. The fuck you letting Mac talk you into bro?

Wouldn't it be easier to take out a loan?

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Re: I need a new credit card

Post by NOT MONGO on Fri Mar 25, 2011 12:20 am

lol. they dont give loans to shit thats illegal son
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Re: I need a new credit card

Post by Soylent Brown on Fri Mar 25, 2011 12:27 am

I tried getting a credit card a few years ago and they wouldn't give me one.
Now that I'm with Chad I don't want one. He's not frivolous and he's pretty good about not spending money. He's actually worried about the loans I had to take out for school.
winterborne1 wrote: I suspect the reason you think I live beyond my means is from pictures you see on my facebook of me drinking at bars, or wearing fancy clothing, etc.
I can has?


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Re: I need a new credit card

Post by NOT MONGO on Fri Mar 25, 2011 12:47 am

winterborne1 wrote:http://www.youtube.com/watch?v=0yNwpYqMzxw

lolz i just noticed this. it is baffling and at the same time understandable why the jersey shore douches are american icons..
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Re: I need a new credit card

Post by NOT MONGO on Fri Mar 25, 2011 12:48 am

id also like to add how its scary that adults can still be into professional wrestling
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Re: I need a new credit card

Post by Garrett on Fri Mar 25, 2011 12:51 am

wrestling is better than ever.

you can embed youtube videos by putting the word youtube between brackets, like an IMG.
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Re: I need a new credit card

Post by Jesse on Fri Mar 25, 2011 2:15 am

you guys are assholes.

now i feel bad for having credit card debt.
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Re: I need a new credit card

Post by Garrett on Fri Mar 25, 2011 2:16 am

I already felt bad

about your credit card debt.
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Re: I need a new credit card

Post by Jesse on Fri Mar 25, 2011 2:21 am

it's cool.

my problem is i pay the minimum even if i have the cash.

no more expensive sneakers for me!
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Re: I need a new credit card

Post by Garrett on Fri Mar 25, 2011 2:26 am

I usually can only afford minimum payments

but I fear, tomorrow, I'll be crying.
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Re: I need a new credit card

Post by Jesse on Fri Mar 25, 2011 5:11 am

sometimes i wonder how i spend so much money.

this is why i prefer to work weekends.
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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 6:26 am

NOT MONGO wrote:lol. they dont give loans to shit thats illegal son

actually anthony is correct. if you need money now, it makes more sense to open up a line of credit with your bank. the rules are the same as with a credit card, but you'll likely get a better interest rate.

if thats not an option, i understand discover has the best rates as far as easy-to-get credit cards go. its their only way of being able to compete because no retailers ever accept discover cards, because they are very susceptible to scams.
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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 6:34 am

Robo-Pussy wrote:
winterborne1 wrote:Personally, if I ever had a car malfunction that costed more than my emergency fund could handle, I'd just sell the car and use the money to get a cheap, reliable car while I save up and trade-in for a better car a couple years later. That way, every penny I spend has a purpose, and I don't get caught losing money on interest.

If my 2002 Jeep had a serious issue that i couldn't afford I doubt I would get much for it. lol

I think you'd be surprised at how much you can get for a vehicle that has one or two major malfunctions. People with automotive experience are always looking for deals like that, where they can obtain a car for much less than it's KBB value just because something in it needs fixing. They'll buy the parts and fix it themselves, and then sell it for it's full KBB value.
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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 6:42 am

On another note, am I the only person here who is peeved when people throw "LOLZ" all over the place in the middle of an argument? I just think that it demonstrates elitism, like you're "above" taking them seriously.

I get even more peeved when they accuse me of being elitist, when I'm the only person not "laughing" at everything the other person is saying.
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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 6:51 am

ale wrote:I tried getting a credit card a few years ago and they wouldn't give me one.
Now that I'm with Chad I don't want one. He's not frivolous and he's pretty good about not spending money. He's actually worried about the loans I had to take out for school.
winterborne1 wrote: I suspect the reason you think I live beyond my means is from pictures you see on my facebook of me drinking at bars, or wearing fancy clothing, etc.
I can has?


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Re: I need a new credit card

Post by Whitey Bulger on Fri Mar 25, 2011 10:34 am

Why dance around it? Just talk to me directly. Writing lolz makes someone an elitist? ,,makes sense. I was done arguing but if youre down for another round'...

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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 1:33 pm

Okay, I'm not dancing around it. Might as well get it all out of the way. When you write LOLZ all over your arguments, it peeves me. Especially when you're accusing me of being elitist.

But honestly, you're not the only one that does it. That's why I didn't personally call you out on it. You're just the one who ALWAYS does it, which is why you took immediate offense to it. What I really want to know is, what does it accomplish? What drives you to laugh at other people during arguments? Is it because you want them to feel like nothing they say will ever be taken seriously? That's what it seems like, and frankly, that seems elitist. But lots of people on the internet are elitist, which is why I usually don't let it bother me. But when I'm being accused of elitism, that's when those little things start to really get to me.

When you continue to combine your LOLZ with your blatant disrespect for me because of where I live, it makes it tough to give you the respect you're obviously looking for as well.
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Re: I need a new credit card

Post by Whitey Bulger on Fri Mar 25, 2011 1:56 pm

Serious business up in here. Sorry jeff, I cant help it im a miserable prick

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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 2:00 pm

I'm down for not taking things seriously, just as much as the next guy. But you and I seem to get into a lot more e-fights than we should, and I'm thinking there's probably more than a few pet peeves that we keep hitting on the regular.
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Re: I need a new credit card

Post by Whitey Bulger on Fri Mar 25, 2011 2:08 pm

I cant believe ur mad about the california comment, even I recognized the stupidity of the statement

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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 2:18 pm

It bothered me because you were accusing me of being an elitist, and I thought the remark was an act of hypocrisy.

I usually reserve that sort of discrimination for sports arguments, because that's where it's not only acceptable, but expected as well. In sports talk, it's like a tradition for a team's fans to discriminate another team's fans based on geography and superficialities.

But when you use it elsewhere, I think it's bigotry. That's fine, if you're trolling. But if you ain't trollin', then something ain't right.
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Re: I need a new credit card

Post by winterborne1 on Fri Mar 25, 2011 2:23 pm

And if you want to write it off as you being a "miserable prick", then that's cool. But at least try to remember that BEFORE you start calling me out on stuff. I don't want to be dragged down with you.
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Re: I need a new credit card

Post by Contra on Fri Mar 25, 2011 5:52 pm

winterborne1 wrote:
the problem with it doesnt occur until youre faced with an emergency situation and you end up having to spend more on the credit card than you can cover in a month. then youre stuck paying interest payments, which can quickly eliminate the benefit of having a card. for many people, thats the first step into financial oblivion. i had to deal with that when i was a kid, and it took me a solid 6 or 7 years to get to a point where im no longer sending money away just trying to MAINTAIN a debt. its a lesson im glad i learned BEFORE i have a family that depends on me.

word, i'm going through this shit right now and it is a real bummer. and i spent a solid 5 years paying my balances off monthly, so it's not like i'm some fuck ass who spends wildly beyond my means.

it's going to be an uphill battle paying this back down while dealing with the interest payments. working multiple shitty jobs at low pay is not really helping matters. don't major in liberal arts, kids.
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Re: I need a new credit card

Post by Contra on Fri Mar 25, 2011 5:56 pm

now im nothing wrote:I usually can only afford minimum payments

but I fear, tomorrow, I'll be crying.

peter sinfield was a terrible lyricist
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Re: I need a new credit card

Post by Soylent Brown on Fri Mar 25, 2011 6:37 pm

NOT MONGO wrote:id also like to add how its scary that adults can still be into professional wrestling
why?
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Nothing board-related on my page please, thanks. I like to keep my facebook board-free.
No problemo. Not sure what board-related would be without being incredibly stupid.
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Re: I need a new credit card

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