i exist!!!
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Paul Watson wrote: I got a low credit limit here in SA for my first CC, being young and unreliable and all. I wonder what I would get in the US. I suppose that would depend on whether or not you are seen as a college student through the eyes of VISA or Mastercard here in the US. College students are typically given way too much credit for use during college. I know, as I remember using it way too much, and paid the price later. Glad the damn things are paid off now. :)
Nick Parker
You see the Standards change. - Fellow co-worker
Nick Parker wrote: College students are typically given way too much credit for use during college. I know, as I remember using it way too much, and paid the price later. Glad the damn things are paid off now Indeed. I remember being chuffed and amazed to have been granted a credit card by the bank. I thought it was so amazing. Then a few months down the line I realised banks are all too happy giving people like me credit cards. Debt is free money for them.
Paul Watson
Bluegrass
Cape Town, South Africa -
I've heard that in some cases, this actually damages your credit... Any truth to this or just urban myth? My wife and I pay ours off every month, but I don't really have a clue about financial matters... :~ RabidK
RabidKangaroo wrote: I've heard that in some cases, this actually damages your credit... Any truth to this or just urban myth? My wife and I pay ours off every month, but I don't really have a clue about financial matters... When applying for my mortgage, I was told they look at a ratio of total balance availability vs. income, and also factor in actual balance. We had several department store cards (you know, 10% off first purchase of refrigerator, etc.) that had no balance (we pay off every month) that each had credit limit of several thousand dollars (with $0 outstanding). That hurt us because they said we had potentially 10 thousand dollars outstanding, should we choose to go max them out. I still think not paying interest is better in the long run. Glenn
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Nick Parker wrote: I would have to agree, even thought I haven't been up close and personal with lauren While I have not been up close and personal with Lauren, I have met her in the flesh and I can back your assumption up.
Paul Watson
Bluegrass
Cape Town, South Africa -
lauren wrote: finally i got plastic!! "welcome to the american dream lauren" Most women opt for silicon gel, but hey, whatever works for you best... [badada-domp]
"Perhaps the truth is less interesting than the facts?" -- Amy Weiss, RIAA's Senior Vice President of Communications.
It's the new math! 421 == 156 ! -
lauren wrote: awwwwwwwwwwww shux I see you are changing you pic quite often this past few weeks, will we be seeing another update soon?
Nick Parker
You see the Standards change. - Fellow co-worker
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Nick Parker wrote: I would have to agree, even thought I haven't been up close and personal with lauren While I have not been up close and personal with Lauren, I have met her in the flesh and I can back your assumption up.
Paul Watson
Bluegrass
Cape Town, South Africa -
I knew you existed.. you don't have to have plastic for someone to know you exist, thats what they want you to know. -Steven CP Addict
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Yeah you go and blush - he's never said anything that nice about me. :mad: :((
David Wulff http://www.davidwulff.co.uk
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Yeah you go and blush - he's never said anything that nice about me. :mad: :((
David Wulff http://www.davidwulff.co.uk
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lauren wrote: awwwwwwwwwwww shux I see you are changing you pic quite often this past few weeks, will we be seeing another update soon?
Nick Parker
You see the Standards change. - Fellow co-worker
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I've heard that in some cases, this actually damages your credit... Any truth to this or just urban myth? My wife and I pay ours off every month, but I don't really have a clue about financial matters... :~ RabidK
Paying off your credit card bills does not hurt. My wife and I have been doing it for years and our credit rating is very high. Sometimes when you have a history of paying off every month even with large purchases, that can tend to increase your rating. It shows you do not exceed your "purchasing power" and raises the bar as far as how risky you are. A side note: I can't believe the amount of trouble and debt people get themselves into with credit cards.:omg: Kind regards, Tim
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lauren wrote: so i guess if u can wait til then u might get me and gina ... 2 for the price of one! Sounds like fun, let me know when you are coming through Iowa and we can plan a Mid-West CP gathering. :)
Nick Parker
You see the Standards change. - Fellow co-worker
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I've heard that in some cases, this actually damages your credit... Any truth to this or just urban myth? My wife and I pay ours off every month, but I don't really have a clue about financial matters... :~ RabidK
RabidKangaroo wrote: I've heard that in some cases, this actually damages your credit... I've found that everytime I pay off my credit card every month, they keep raising my credit-limit. They just want to tempt me into spending more than I can pay off in a month. They must think I'm stupid. Michael You gotta roll with it You gotta take your time You gotta say what you say Don't let anybody get in your way - Oasis
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Just remember - the first bill passed under GWBs administration manes that if you are bankrupt you still have to pay all your credit cards off ! And interest doesn't stop even though you are bankrupt :~ The tigress is here :-D