Untitled
2 years ago
Having credit cards only makes it easier to get into debt. I wish I had stayed away from them 20 years ago.
How to have a credit card
It made me
soooo goood 
"I loved to shop before......now you can't stop me!!"
How I did it: i looked on the internt for the best offers first.that broke it down to 3 options Halifax, Loydds tbs and natwest. then i went to each bank in turn and talked to a person at each one. after i'd gone to all of them i decided theat i like Natwest the best so i just went and applied for a card and i just got here yesterday!!!!!
Lessons & tips: look around dont just jump in at the first bank
Resources: internt and banks
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I really didn't want one...
2 years ago
...and managed to live without one for quite some time, but a card with my bank offers free overdraft protection without ever even using the card. So far I’ve been responsible with it, and plan to stay that way.
Don't do it.
2 years ago
Credit cards enabled me to buy stuff I couldn’t afford and didn’t need to impress people I didn’t know (or like). Yippee.
Here’s an idea: use cash.
Untitled
2 years ago
Americans have a lot of available credit, but apparently they are using it judiciously. FICO estimates that the typical consumer has a total of 11 credit obligations including credit cards, bank cards, gas and department store charge cards, student, mortgage and other installment lines. Seven of these are typically credit cards, four are probably loans. Credit card companies use different rewards and benefits to attract consumers. To find best credit card you should compare credit card programs. Here are some things to consider before you fill-out the application for credit card . How long is the ‘introductory’ interest rate good for? If you are not planning to payoff the card at the end of the month and you insist on letting balances rollover, you better know the exact date when your 5.99% into rate turns into an 18.95% interest rate card. Put it in your calendar or do something to be sure you remember to check on it. You can meet cash back credit cards. What is the cash back incentive limit? Most cards limit your cash back rebate to $250-500 dollars in a calendar year. There are a lot of credit cards with balance transfer. This one is great. You currently have an 18.95% credit card with a $3K balance. You see an offer to move that balance to at 15% card. I can save almost 4%. Not bad. Is there an annual fee? If yes, I recommend forget it. Search through no annual fee credit cards. The only way I would recommend paying an annual fee is if you are using the card for the sole purpose of moving a balance from another card because of the lower interest rate. At the end I can advice you DO NOT take cash advances. Cash Advances have their own special interest rate on most cards and they are usually at least 10% higher!
