DaChampIsHere
Survive the drought
@ Buying food/fast food on credit. At least spend it on something you can make money off of. Having 8 credit cards is wayyyyy too much. No one needs 8 lines of credit. That actually hurts your credit
Am I The Only One Who Dont F With Credit Cards?
- Thread starter Silkk
- Start date
@ Buying food/fast food on credit. At least spend it on something you can make money off of. 
SuburbanPimp
Giving game to lames since the 90s
I got one at 18, Stunted hard with that ho, spent 3 years paying it back. I haven't had a credit card since. I'm like you, if I don't have the money for it. I'm not gonna buy it..
My wife has one and it actually has come in handy in some situtations we may not have had the moment for something at that time. So I wouldn't knock having one for emergencies
I know it "helps" your credit but we just bought a house last year and my Jeep is paid off so what do i really need "good" credit for?
My wife has one and it actually has come in handy in some situtations we may not have had the moment for something at that time. So I wouldn't knock having one for emergencies
I know it "helps" your credit but we just bought a house last year and my Jeep is paid off so what do i really need "good" credit for?
1970s HeRon Flow
Takin Penitentiary Chances
Someone did identity fraud when i turned 18,wamu didnt bleav me,i never went back,but mever been able to estabpish any credit since 
I been cash or debit ever since,never really needed credit,checkins and saving both got commas in it,and aint tryna buy a house
I been cash or debit ever since,never really needed credit,checkins and saving both got commas in it,and aint tryna buy a house
Having 8 credit cards is wayyyyy too much. No one needs 8 lines of credit. That actually hurts your credit
How does having eight accounts in good standing with low balances hurt your credit?
baller4ever85
Rookie
credit cards are the best, free airline tickets, hotel upgrades, gift cards, etc. shyt amex even givien credits for tweeting with certain hastags w/some retailers. never use a debit card. always pay in full and you wont have to worry about interest charges.
Smokin Rider
I been official
Straight Cash Homie
If ur out charging food/drinks, etc on ur debit card in 2012, ur crazy as hell.
If someone gets ahold of ur identity, they'll drain ur account faster than ur head can spin. And until/if you get ur money back, ur gonna be in a bad way.
At least if you keep a credit card you can deny charges should that happen. I hvent bought anything on my debit card in like 7 years. I dont even use it for ATM purposes.
Only time my debit card leaves my wallet is to make deposits at the bank
If someone gets ahold of ur identity, they'll drain ur account faster than ur head can spin. And until/if you get ur money back, ur gonna be in a bad way.
At least if you keep a credit card you can deny charges should that happen. I hvent bought anything on my debit card in like 7 years. I dont even use it for ATM purposes.
Only time my debit card leaves my wallet is to make deposits at the bank
BIGDENNIS10UK
All Star
Done it from 20/25, ended up paying 18,000 in one go to pay it, kinds regret it looking back, but I was dumb, even booked holidays on it without thinking of the consequences 
Redundancy cleared it for me, dunno how I woulda payed it otherwise.
Probably cost me a house looking back, bit I got no regrets.
Redundancy cleared it for me, dunno how I woulda payed it otherwise.
Probably cost me a house looking back, bit I got no regrets.
DaChampIsHere
Survive the drought
Because that's all potential debt/payments. Doesn't matter if the balances are low, it's still potential debt youve already been signed up for. Potential creditors/financiers will give you the ehhh because you could very max out those cards at any given time.
How does having eight accounts in good standing with low balances hurt your credit?
Plus you only need 2 credit cards. Anything more and it looks like you can't manage your money/are in over your head.
don't work like that....
banks look at ur credit to debt ratio. Having more available credit actually helps.
Pammy91
Pro
The only card I use is my debit card and if I'm not using that it's cash for me. I don't really have any use for a credit card right now.
Bank just tried to get me to sign up for one
If i aint got the money to buy it, i dont need it
i have one. i used it like once a yr and pay if off with the quickness. Chase been tryna get me to up my limit for about 4 months. i get a call maybe once a month asking me to up the limit.
aint feeling it tho.
Ayatollah Watts
Rookie
I don't/didn't, but I had non existent credit which makes it difficult to purchase a home.