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Dec 17, 2024
11:46
:49
am
citron
Redshirt Freshman
Not sure and not true
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citron
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citron
Joined
May 3, 2022
Last login
Dec 17, 2024
Total posts
199 (1 FO)
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Messages
Author
Time
Pro tip that's obvious but not always lived: Pay off your credit cards every
gwalker
11:19am
Well TNT's philosophy is "Buy now, pay never"
TNT
11:20am
Die owing the banks millions while you have nothing.
Archaea
11:21am
That sounds like a problem for future TNT anyway.
gwalker
11:22am
Exactly. Like Jerry says staying up late is "morning guy's problem"
TNT
11:22am
It's surprising that lenders actually want to be repaid. The nerve
Archaea
11:24am
Been doing this for 20+ years. I use card for everything to get points and pay
TheSpiker
11:21am
Two lives:
Archaea
11:23am
This is why I don't understand why more people aren't for restructuring student
Sparkling Delirium
1:02pm
RE: This is why I don't understand why more people aren't for restructuring
Powerbait DPM
1:45pm
I'm not aware of any cards these days where interest doesn't begin to accrue from the date of purchase,
ChinaFan
11:28am
Huh? I don't know of any credit cards that will still charge you interest even if you
Skeptical Optimist
11:32am
I don't accrue any interest
Himni
11:32am
None of my cards charge interest unless I carry over a balance
gilbertatty
11:33am
I have never heard of this. If you have a card doing that, get a different card.
TheSpiker
11:34am
I'm not aware of any credit cards that accrue interest from the date of purchase
Manti
11:35am
Maybe it's from experience with an old card. I have mine on autopay so there is never any carry over, but I haven't
ChinaFan
11:37am
just checked, no interest or fees all year, and I earned 100,000 miles
ChinaFan
11:39am
My problem with multiple payments per month is
Archaea
11:40am
A line of credit from your bank might, but not a standard VISA, AMEX, etc.
NumbersGuy
12:09pm
Interest running, are you sure?
Archaea
11:36am
Not sure and not true
citron
11:46am
Time to get a real credit card...
my4boys
11:40am
Are you outside the US? Super curious about this. Like the others, I have never
RoboKayne
12:18pm
Update: I did some sleuthing. I think OP may be based in China. It does not
RoboKayne
12:20pm
The other thing that would not surprise me is if CC agreements are shifting
RoboKayne
12:25pm
Depends on your credit score. Credit One will charge you interest immediately
Princepete
12:22pm
That's not how cards work in the US
justAnotherCoug
12:53pm
Some pay interest and some earn it. These groups live completely different lives
dYrtbYkerYder
11:29am
What necessities do you think are fine to go into debt for?
brazilcoug
11:33am
A place to live is one. Modest means of transportation. Education with a
gwalker
11:39am
Few things annoy me more than people without money saying they "need" a new car.
dYrtbYkerYder
11:43am
A large car payment on an expensive car to impress your 3 neighbors is
brazilcoug
11:51am
What you live is also what your children learn, sadly and gladly.
Archaea
11:46am
I know it’s more challenging but no loans on cars or schooling is just as
brazilcoug
11:49am
Well done.
Archaea
11:50am
Eh, I think you’d be surprised at how many people have car payments and/or
brazilcoug
11:53am
If we had a guessing game, I'd wager it would be a much smaller percentage than
Archaea
11:55am
I'm sure it's less than 1% if not much less than 1%.
Powerbait DPM
12:04pm
Buying a good, used vehicle has benefitted many people.
Archaea
12:08pm
House, car(s), education and CFB season tickets.
neboutefan
11:48am
We are dealing with what you did in the past. Mostly my fault 🤦
BulldogCoug79
11:35am
You're exactly right. And there's a lot of peace on the other side.
gwalker
11:37am
I paid off my house this fall, decided I didn't want a loan out there for another 5 years as we retired 18
ChinaFan
11:43am
The CC charge for taxes is not worth in my opinion. I pay taxes from
Archaea
11:49am
Get free of the interest trap and never go back.
Archaea
11:38am
This is a very powerful quote that I share with my children on a regular
GideonsTrumpet
11:46am
A powerful quote.
Archaea
11:48am
RE: Pro tip that's obvious but not always lived: Pay off your credit cards every
Powerbait DPM
11:52am
Super silly SNL skit but it is true to the bone. Share with your children to
GideonsTrumpet
11:59am
Credit cards are great for record keeping and travel points - never carry a
Jersey hunter
2:13pm
They are lines of credit if paid off monthly.
Archaea
5:12pm
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