*LOCK*

[zerohero]

I got my first credit card this week. I figure since I’m 21, it’s time to start building my own credit. I already own a debit card, and I already know NEVER to buy something you know you can never pay back in a decent amount of time. That being said, what should I buy to start off building good credit. I made a small list of things I wanted…

Ipod
PSP
Xbox 360…… (nahhh)
Neo Geo AES ( Yea still haven’t got one)
DS mini


Comments?

[lol monster]

off topic?

and i would say a hooker

[zerohero]

off topic?

and i would say a hooker

How is it off topic if it's gaming related? I think I would know since I've posted here a decent amount of time.

[njiska]

I got my first credit card this week. I figure since I’m 21, it’s time to start building my own credit. I already own a debit card, and I already know NEVER to buy something you know you can never pay back in a decent amount of time. That being said, what should I buy to start off building good credit. I made a small list of things I wanted…

Ipod
PSP
Xbox 360…… (nahhh)
Neo Geo AES ( Yea still haven’t got one)
DS mini


Comments?

Yeah don't fucking do it. You don't want to run up your credit card. If you want to build credit my advice to start paying your bills with your credit card and then pay it off immediately.

Only buy items on that list if you feel you can't live with out them.

Credit is a demon, don't let it grip you.

[Austin]

Judging by the constant flood of needless one-or-two sentence posts lol monster makes in the off topic forum, he considers himself the king of the subject.

My vote would be for the DS.

[Sylentwulf]

It's off topic and I'm with njiska. This is a horribly STUPID idea.

The advice for credit cards isn't "don't buy anything you can't pay back within a reasonable amount of time"
It "don't buy anything you can't pay back THIS MONTH" If you can't pay it back in full, THIS MONTH, BEFORE your statement, don't buy it.

Frankly, I don't ever use credit cards. I have 2-3 in case of emergency, or for sales (Use sears card get xxx off) then pay it back the next day in full.

[zerohero]

It's off topic and I'm with njiska. This is a horribly STUPID idea.

The advice for credit cards isn't "don't buy anything you can't pay back within a reasonable amount of time"
It "don't buy anything you can't pay back THIS MONTH" If you can't pay it back in full, THIS MONTH, BEFORE your statement, don't buy it.

Frankly, I don't ever use credit cards. I have 2-3 in case of emergency, or for sales (Use sears card get xxx off) then pay it back the next day in full.

It's NOT off topic, and I think you missed my point. My point was that if you obviously can't pay for the item in the near future(This month would be the idea since your statement is every month), then don't buy it. It's good to use it so I can get good credit. Which is what I"m starting to do.

Is everyone in flam mode today or what. Go ahead and lock the freakin thread if thats how it's gonna be.

[njiska]

It's off topic and I'm with njiska. This is a horribly STUPID idea.

The advice for credit cards isn't "don't buy anything you can't pay back within a reasonable amount of time"
It "don't buy anything you can't pay back THIS MONTH" If you can't pay it back in full, THIS MONTH, BEFORE your statement, don't buy it.

Frankly, I don't ever use credit cards. I have 2-3 in case of emergency, or for sales (Use sears card get xxx off) then pay it back the next day in full.

It's NOT off topic, and I think you missed my point. My point was that if you obviously can't pay for the item in the near future(This month would be the idea since your statement is every month), then don't buy it. It's good to use it so I can get good credit. Which is what I"m starting to do.

Is everyone in flam mode today or what. Go ahead and lock the freakin thread if thats how it's gonna be.

Hey stop the bitching, when you asked this kind of question you should've expected this kind of answer. We're just trying to help you not fall into the pit. If you want to build credit use the card to pay your bills, but don't carry a balence, you don't need too.

Buying anything on the list on credit just for the sake of building a balence is a bad idea and everyone who has had a credit card for years, which is the brunt of people posting here, knows you're going to make a big mistake if you buy any of that on credit.

[zerohero]

It's off topic and I'm with njiska. This is a horribly STUPID idea.

The advice for credit cards isn't "don't buy anything you can't pay back within a reasonable amount of time"
It "don't buy anything you can't pay back THIS MONTH" If you can't pay it back in full, THIS MONTH, BEFORE your statement, don't buy it.

Frankly, I don't ever use credit cards. I have 2-3 in case of emergency, or for sales (Use sears card get xxx off) then pay it back the next day in full.

It's NOT off topic, and I think you missed my point. My point was that if you obviously can't pay for the item in the near future(This month would be the idea since your statement is every month), then don't buy it. It's good to use it so I can get good credit. Which is what I"m starting to do.

Is everyone in flam mode today or what. Go ahead and lock the freakin thread if thats how it's gonna be.

Hey stop the bitching, when you asked this kind of question you should've expected this kind of answer. We're just trying to help you not fall into the pit. If you want to build credit use the card to pay your bills, but don't carry a balence, you don't need too.

Buying anything on the list on credit just for the sake of building a balence is a bad idea and everyone who has had a credit card for years, which is the brunt of people posting here, knows you're going to make a big mistake if you buy any of that on credit.

Not bitching, just kinda tired of recieving it. Anyway,

I understand what you are saying about just buying for the sake of it but it it decent enough if it's small items that I can pay off, and maybe possibly a few 100/200 items that I can pay of later that month?

[Nez]

Go to jack in the box buy something from there 99 cent menu then after eating it go home and pay off your card.

Never ever ever ever ever hold a balance on your card that you cant pay off this month. Youll end up digging a deep hole that no one will help you out of.

I almost never use my card only for collage and thats only so I cant track what I spend on collage per semester. As long as you pay on time you will have a good credit history.

[pacmanhat]

The only time I suggest buying something major that you can't pay off immediately is when there's a lengthy 'no-interest' period (this is why my one and only credit card is through Best Buy). And even then, be careful. I've come pretty close to screwing one of those up...it worked out fine in the end, but I was living with my fingers crossed for a great while.

[hezeuschrist]

As mentioned before, if you can't afford those items in cash right at this moment, don't put them on a credit card. Simple as that.

And yes, do use it to make small purchases you would otherwise make with cash to build credit. Pay off your balance every month in full and you'll be fine.

I'm 23, I had one credit card and got dicked over on a bogus charge when I was 19 and cancelled the card and haven't had one since. I can't get a credit card in any capacity, at all. It's absolutely disgusting, so yes, use it, but only if you can pay for whatever you're using it to purchase at that exact moment.

[Austin]

I apologize for my comment earlier in this post. I was tired and got out on the wrong side of the bed.

[Diatribal Deity]

It's too bad your parents or someone else responsible with their credit didn't have the foresight to start your credit earlier by throwing your name on one of their cards and not telling you about it. This way by now you would have had excellent credit and more importantly more history. This is good advice to all young responsible parents out there.

Unfortunately at this point just making regular payoff payments on a credit card will not build your credit as fast or as favorably as say paying off a loan, rent, mortgage, etc. If your looking to build credit to buy a home in the near future this is the way to go. Otherwise yeah don't let it get out of control, just build it steadily and secure 0-low interest rates if possible.

[SlayerX]

I only use mine for the internet. eBay fees go onto it, and then whatever I buy through paypal usually comes off of my card. I pay it off the end of every month, and I accidently overpaid one of my payments, so I have $30 worth of credit left on it, but I still plan on paying it off this month.

I don't know, I just dont like living, knowing that theres money on my card, not knowing how much, and a huge weight is lifted off your shoulders when it's a clean slate, and you are at a $0 balance.

[Leo_A]

Buy what you want the most. No need to advertise that you got pocket change to spend on a new console. Why would you buy what people tell you to buy?

[Garry Silljo]

Ugh, I know all about that credit hole. I'm in that hole. If you're looking to build ggod credit then do as everyone has said and only buy what you can pay off that very month. You'll beat the interest if you have a grace period and you will establish good credit. The only time you should charge more than you can pay that month is an extreme emergency. For example, my brakes went bad earlier this week and I didnt have enough money to fix them. Since losing my job for not having transportation would be worse than carrying a balance, in that case it was cool to charge it. I racked up some major credit bills on food and diapers when my wife was sick and out of work. I really didnt have a choice, but the hole I'm in is no less painful just because it was necessary and not spent frivolously. I've sut most of my cards off now to get out. I left one open, in case my brakes go bad..... well not specifically for that, but that's what happened and that's what credit is for.

[zerohero]

Buy what you want the most. No need to advertise that you got pocket change to spend on a new console. Why would you buy what people tell you to buy?

Not advertising, just thought it would make an intresting topic.... and the way the topic is leading I think maybe I should have put it in the "off topic" section now :eek 2:

[zerohero]

It's too bad your parents or someone else responsible with their credit didn't have the foresight to start your credit earlier by throwing your name on one of their cards and not telling you about it. This way by now you would have had excellent credit and more importantly more history. This is good advice to all young responsible parents out there.

Unfortunately at this point just making regular payoff payments on a credit card will not build your credit as fast or as favorably as say paying off a loan, rent, mortgage, etc. If your looking to build credit to buy a home in the near future this is the way to go. Otherwise yeah don't let it get out of control, just build it steadily and secure 0-low interest rates if possible.

Well they just told me never to get one, and abuse one, because I think they have had problems in the past with it. I told them I won't buy something I can't pay for. In fact getting a debit card IMO was an excellent idea, because the concept is fresh in my mind that "this is the amount of money you have", so "this is all you can spend on your budget".




One question I do have for you guys is, is it ok if I buy something like an Xbox ( lol), knowing that buy the end of the month (since I get paid twice a month) that I'll have plenty of money to cover the expenses?

[Nez]

It's too bad your parents or someone else responsible with their credit didn't have the foresight to start your credit earlier by throwing your name on one of their cards and not telling you about it. This way by now you would have had excellent credit and more importantly more history. This is good advice to all young responsible parents out there.

Unfortunately at this point just making regular payoff payments on a credit card will not build your credit as fast or as favorably as say paying off a loan, rent, mortgage, etc. If your looking to build credit to buy a home in the near future this is the way to go. Otherwise yeah don't let it get out of control, just build it steadily and secure 0-low interest rates if possible.

Well they just told me never to get one, and abuse one, because I think they have had problems in the past with it. I told them I won't buy something I can't pay for. In fact getting a debit card IMO was an excellent idea, because the concept is fresh in my mind that "this is the amount of money you have", so "this is all you can spend on your budget".




One question I do have for you guys is, is it ok if I buy something like an Xbox ( lol), knowing that buy the end of the month (since I get paid twice a month) that I'll have plenty of money to cover the expenses?



Yeah but be carefull of that you dont know when things wil pop up. Then you have a xbox that you cant quite payfor yet and the ammount you payed for it just jumped 25 percent. Paying 200 for an xbox is not fun.

[Sylentwulf]

Just for the record, I don't know what you thought I was saying off topic about, but this topic in general has NOTHING to do with modern gaming, and belongs in the off topic forum, that's all I meant by saying off topic (like many other posters have said)

It's also NOT going to help your credit that much by buying tons of things and paying it off in the same month. Go to a website that TELLS you how to increase your credit. For example, having too many credit cards even all in good standing is a NEGATIVE thing.

There probably isn't anyone on this board capable of telling you how to increase your credit beyond the few basics, but plain and simple - using a credit card to buy "stuff" is not a good idea. Anyone over 25 can tell you that even if they HAVEN'T fallen into that pit before.

[lol monster]

i agree with sylentwulf.you are taking about a credit card you just got and how it is going to ruin your credit,what does that have to do with modern gaming?

but since i like to stay on topic...i only use my card for bills and gas,and pay it off right away.everything else is either cash,or in the rare case,a check.

[zerohero]

Just for the record, I don't know what you thought I was saying off topic about, but this topic in general has NOTHING to do with modern gaming, and belongs in the off topic forum, that's all I meant by saying off topic (like many other posters have said)

It's also NOT going to help your credit that much by buying tons of things and paying it off in the same month. Go to a website that TELLS you how to increase your credit. For example, having too many credit cards even all in good standing is a NEGATIVE thing.

There probably isn't anyone on this board capable of telling you how to increase your credit beyond the few basics, but plain and simple - using a credit card to buy "stuff" is not a good idea. Anyone over 25 can tell you that even if they HAVEN'T fallen into that pit before.

Seriously, get off your high horse. If you even read a few topics above you would have noticed that now I personally think this topic should have went elsewhere because of the current dicussion. But originaly it was meant for this section.

[Diatribal Deity]

Just for the record, I don't know what you thought I was saying off topic about, but this topic in general has NOTHING to do with modern gaming, and belongs in the off topic forum, that's all I meant by saying off topic (like many other posters have said)

It's also NOT going to help your credit that much by buying tons of things and paying it off in the same month. Go to a website that TELLS you how to increase your credit. For example, having too many credit cards even all in good standing is a NEGATIVE thing.

There probably isn't anyone on this board capable of telling you how to increase your credit beyond the few basics, but plain and simple - using a credit card to buy "stuff" is not a good idea. Anyone over 25 can tell you that even if they HAVEN'T fallen into that pit before.

Not true. Credit cards quite often extend and provide warranties and an additional layer of protection. Many offer points, miles, and discounts. Ever try and buy a >$2,000 TV or other appliance on your debit card (most have limits). Ever go on a trip out of the country only to have your bank turn off your debit card (even after letting them know you were going away---this was Bank of America by the way)...then realize its late Saturday and the bank won't open till Monday. This happened to a friend of mine and he was forced to sleep at a police station in Bahrain and then shack up with some friendly drunks from Ireland until it was turned back on. Shame on him for not having a credit card but more shame on a regional bank for leaving someone high and dry even after being notified that their may be some foreign activity.

Credit cards when used correctly are convenient and as mentioned great in cases of emergency.

I personally believe high schools and colleges should have courses catered to students emphasizing the pitfalls of credit cards, loans, and other forms of financing. So if this thread in anyway has helped the original poster despite its location so be it and consider them better informed.

[stressboy]

I got my first credit card this week. I figure since I’m 21, it’s time to start building my own credit. I already own a debit card, and I already know NEVER to buy something you know you can never pay back in a decent amount of time. That being said, what should I buy to start off building good credit. I made a small list of things I wanted…

Ipod
PSP
Xbox 360…… (nahhh)
Neo Geo AES ( Yea still haven’t got one)
DS mini


Comments?

Ok, as someone who is currently in a deep credit hole, I offer this advice.

DO NOT DO IT!

You have no idea what is going to happen to you a few months from now. Next thing you know, your interest rate is raised, your maximum limit is lowered, and you can get screwed very easily.

If you want to build credit, get a loan and make all your payments on time.

[Ed Oscuro]

Neo Geo AES ( Yea still haven’t got one)
roffle @ the comment

Yeah I still don't have Metal Slug, or any Last Blade games, myself... LOL

[Nez]

Neo Geo AES ( Yea still haven’t got one)
roffle @ the comment

Yeah I still don't have Metal Slug

Oh good so I'm not the only one.

[Ed Oscuro]

Yeah...I'd have to make a nice laundry list of stuff to trade for it...

[Garry Silljo]

I forgot to ask, what kind of card is it?

The reason I ask is if you ahve the resources to pay off your card every month, Discover card is awesome. I personally can't do it, but my parents make around 1,000 to 1,500 a year in cash back bonus and never pay a penny in interest. If I dig myself out of debt in a year or two I'm going to do the same.

My parents just pay their bills and buy groceries all year long and get to buy xmas presents at the end of the year for everyone with the bonus they earned. xmas in my family is always good thanks to Discover.

[zerohero]

I forgot to ask, what kind of card is it?

The reason I ask is if you ahve the resources to pay off your card every month, Discover card is awesome. I personally can't do it, but my parents make around 1,000 to 1,500 a year in cash back bonus and never pay a penny in interest. If I dig myself out of debt in a year or two I'm going to do the same.

My parents just pay their bills and buy groceries all year long and get to buy xmas presents at the end of the year for everyone with the bonus they earned. xmas in my family is always good thanks to Discover.

I got a student platnum visa, but now I want to get a discover :eek 2:

[Xizer]

lol @ noobs with no self control and credit cards

[zerohero]

lol @ noobs with no self control and credit cards

LOL @ bigots who feel special for nothing...

[Ed Oscuro]

last time I checked "n00bs" weren't a race

[Leo_A]

The forum could solve the Xizer problem by allowing us to ignore users. But it appears the feature is turned off in the forum software somehow.

Thankfully its not turned off over at AtariAge. LOL

[Jibbajaba]

Shouldn't this be in "Off-Topic"? What does a "What's the quickest way to ruin my credit?" thread have to do with modern gaming?

Chris

[Garry Silljo]

I forgot to ask, what kind of card is it?

The reason I ask is if you ahve the resources to pay off your card every month, Discover card is awesome. I personally can't do it, but my parents make around 1,000 to 1,500 a year in cash back bonus and never pay a penny in interest. If I dig myself out of debt in a year or two I'm going to do the same.

My parents just pay their bills and buy groceries all year long and get to buy xmas presents at the end of the year for everyone with the bonus they earned. xmas in my family is always good thanks to Discover.

I got a student platnum visa, but now I want to get a discover :eek 2:

Don't be too excited, for those figures to work that I posted you have to spend A LOT of money. It just so happens my parents are well off and VERY careful with their spending and savings/investments. I should have paid closer attention to their example growing up.

[lol monster]

so...where is a mod...

student cards are cool,thats what i have,but you have a pretty low limit so you can't fuck yourself.aka you won't be getting anything on your list.

[Crazycarl]

just do what i did, when ever there was something my mom was going to buy that was around a couple of hundred bucks, she used my card, then paid me. i paid it off on time, and i earn credit. Ask your parents to help you build credit that way. i have a 260 balance on mine from me, but if i really wantd to i could take that out now. sometimes it helps to have a little credit out there.

Also don't let your limit go higher then what you can pay off in a month. If it does, stop using the card untill your balance is payed off. balieve me, i got a little too close one time, thank god for xmas money, or i would have no spending money.

[Sylentwulf]

Shouldn't this be in "Off-Topic"? What does a "What's the quickest way to ruin my credit?" thread have to do with modern gaming?

Chris

careful, 2 of us asked that already and he started flipping out.

[zerohero]

Shouldn't this be in "Off-Topic"? What does a "What's the quickest way to ruin my credit?" thread have to do with modern gaming?

Chris

careful, 2 of us asked that already and he started flipping out.

You seriously have a problem if you consider that flipping out. You jumped down my throat with your first post weither you want to admit it or not, when you could have simply answered the question. Notice your the only person who responded like that to it...

[lol monster]

dude i don't want to start anything but you've been super defensive this whole thread.sylentwulf hasn't said anything to put you on edge or anything but you've been going at it with everyine since.

chill out
maybe buy some booze with that new credit card and relax?

[Sylentwulf]

dude i don't want to start anything but you've been super defensive this whole thread.sylentwulf hasn't said anything to put you on edge or anything but you've been going at it with everyine since.

chill out
maybe buy some booze with that new credit card and relax?

ditto that. In fact, all I basically did was quote njiska. Sorry if my tone came across wrong, but when someone makes a post (in the videogame forum no less) yelling "Dood! I just got a credit card! What should I buy?! This, this, this, this, OH! OH! and I always wanted one of those!!!"

You're GOING to get a post from people more experienced telling you that it's a very bad idea. If you don't want to hear it (like a typical teenage/college person doesn't), then don't post asking to hear it.

[lol monster]

yeah,he has a good point.

i know your excited to get your first card and i was too.in fact i'm still 18,so i'm still younger than you,but even i already know how to play it right with credit cards.maybe in a little bit you can get your 360,ds,aes,whatever but right now,like you said,you want to build up good credit.and buying tons of video games that you'll most likely not be able to pay off right away isn't a good way of building credit is it?

[zerohero]

I'm not excited in anyway, I even explain I know not to go crazy and buy a bunch of crap with it. My question was about actually buying game items with it. Thats it. So when I hear the post like ( some youngster got a credit card), its not true, I already know the good/bad of having one since my family members have went through crap with them. So please don't SPAM the thread telling me the obvious, thats all I'm saying.

[lol monster]

That being said, what should I buy to start off building good credit. I made a small list of things I wanted…

Ipod
PSP
Xbox 360…… (nahhh)
Neo Geo AES ( Yea still haven’t got one)
DS mini


Comments?

comments?yes

stick to paying bills,buying all that crap will,i am pretty sure,push you over your limit.stick to bills for a little bit and then you can move on to building a tower of video games.

and dude don't get so defensive.nobody wants to be treated like a kid but when you say "i just got a credit card and i want to get an aes,360,ds,etc." you are going to get some comments like you got.

chill out man

[dave2236]

I'd buy them all cause you only have to pay back $15 or $20 a month, so its like you get them all for FREE!!!

[Vroomfunkel]

Buddy, you have posted this exact thing on two boards at least, and on both there are a string of people telling you 'don't do it' and then you getting all defensive about how you know everything about credit cards and how to handle them ...

.. here's a tip. Why not just do whatever the hell you want and give up whinging at people who are just trying to offer some good advice?

You want to build credit? As many have pointed out, buying loads of stuff on a credit card is not a great way to do so.

If you're so sure that you can buy and X-Box and you'll have enough money at the end of the month to pay it off, well just wait till the end of the month. If you've got enough money, buy it in the card and pay the card off next day. Bingo - zero risk.

And if you don't need our namby-pamby advice, well don't ask for it next time!!

Vroomfunkel

[TheRedEye]

When I need credit advice, I ask a videogame forum on the internet!

[zerohero]

When I need credit advice, I ask a videogame forum on the internet!

You probably think your so cool by posting that :roll:

[TheRedEye]

When I need credit advice, I ask a videogame forum on the internet!

You probably think your so cool by posting that :roll:

Matter of fact, I do. Also, "your" suggests possession, the proper contraction for "you are" is "you're."

[zerohero]

When I need credit advice, I ask a videogame forum on the internet!

You probably think your so cool by posting that :roll:

Matter of fact, I do. Also, "your" suggests possession, the proper contraction for "you are" is "you're."

Your just the coolest fucking guy arn't ya :roll:

[portnoyd]

This isn't the first board zerohero has made his grumpy presence known on. TNL doesn't like him either.

[zerohero]

It's not the first time I"ve been treated like shit either but thanks for broadcasting personal information idiot.

[Captain Wrong]

I love it when people get in too deep in a flame war and then expect the mods to lock the thread.

[zerohero]

I love it when people get in too deep in a flame war and then expect the mods to lock the thread.

I love it when people abuse sigs...

[Mr.FoodMonster]

So, can we ban this guy yet?

[zerohero]

So, can we ban this guy yet?

Sure go ahead, don't give a crap now. Pretty messed up, anyway...

All my actual friends on here, just email me, and anyone who I made a deal with my email still works.

[Captain Wrong]

I love it when people get in too deep in a flame war and then expect the mods to lock the thread.

I love it when people abuse sigs...

The best part is, you wouldn't need a lock if you'd just let it drop. But you won't. You'll reply to this.

LOL

BTW, insults only work if they make sence. What are you talking about? No cats were abused in the making of my sig, though the English language was roughed up a little bit...

[Slipdeath]

You know what I really like?
http://www.ams.usda.gov/howtobuy/cheese.gif

[Vroomfunkel]

... anyone who I made a deal with my email still works.

... and can now pay with a credit card too! LOL

Vroomfunkel

[unwinddesign]

I think there should be an Otto award for dumbest thread of the year.

If there was, we'd already have a front-runner.

[Cmtz]

Don't lock let me read and respond. LOL

Let me show you guys how to lock a thread.





























http://www.photoposting.net/pics/funny/38254.064161956-t.jpg

[Emuaust]

Stupidest thread every?, maybe just maybe, yet the above pic is probably the funniest thing ive seen all day, rofl.

[Yago]

I like Marmalade

[comrade]

I like Marmalade

You would, Yago. You would.

[Flack]

So, can we ban this guy yet?

Sure go ahead, don't give a crap now.

http://www.digitpress.com/forum/faq.php#18

Farewell Posts
Posts stating anything similar to, "Goodbye forum, I am leaving for good," will be taken seriously and will result in the removal of your account since you will obviously have no further use for it.

Everybody else, go back to your kennels. Nothing to see here.