My credit is fucked - Page 2 - Nubblies.net Forums

THEINCREDIBLEdork · 10-23-2011, 11:47 PM

Your 'rents still pay your bills? Pretty sad, bro.

angry pancake · 10-24-2011, 06:00 AM

AP does not have a credit card. I'm not good at paying bills at time. I don't know what happened to me, I used to obsess over this stuff. Now it seems that it's too much of an effort. Chances are good that if it can't be paid on an auto draft, I'm going to be very current.

Sucks that ID is getting fucked like this. Kind of surprising their collection department doesnt call five times per day. I get stacks of junk mail from Capitol one and haven't had an account with them since the 1990s.

If the card benefits works for tempest, that's cool too.

thekremlin · 10-24-2011, 06:19 AM

Dude, I'm actually the same as you. I don't like the idea of credit cards. What the industry was initially intended for was to let people spend money slightly before they get it. What it has become is a predatory trap. I'm always forgetting things, and I know that I would forget to pay credit card bills. Fine, the responsible solution is, don't use credit cards. Then they tell me my credit score will be worse if I just never use credit cards. Because somehow I'm less credit-worthy because I pay with money in my bank account? It's very irritating that I am essentially forced into a market.

DDTempest · 10-24-2011, 08:14 AM

Quote:

Originally Posted by thekremlin

Dude, I'm actually the same as you. I don't like the idea of credit cards. What the industry was initially intended for was to let people spend money slightly before they get it. What it has become is a predatory trap. I'm always forgetting things, and I know that I would forget to pay credit card bills. Fine, the responsible solution is, don't use credit cards. Then they tell me my credit score will be worse if I just never use credit cards. Because somehow I'm less credit-worthy because I pay with money in my bank account? It's very irritating that I am essentially forced into a market.

Credit cards are a much easier way of "building credit" than buying cars and houses.

Ugly Bastard · 10-24-2011, 01:19 PM

Credit cards are the devil. It's a bit better now since banks assholes are so tight they're not lending anything to anyone, but before it was basically a game of giving out high interest loans to underqualified people. Stupid poor people don't really think things through like "maybe I shouldn't use this thing" they just think "oh wow $5k spending limit let's go to Wal-Mart!" Society vilifies loan sharks but credit card companies are fairly similar in a lot of ways.

Personal anecdote: I have about $8k in cc debt at the moment. Trying to grind my way to getting them paid off so I can just be done with them. Racked up debt on them when I was living like a baller and then when that cash flow stopped coming in I was stuck with the tab. Paying like ~$150 a month just in interest. Horrible feeling.

THEINCREDIBLEdork · 10-24-2011, 06:07 PM

Quote:

Originally Posted by Ugly Bastard

Paying like ~$150 a month just in interest.

Fuck me, that sucks.

f3lix · 10-24-2011, 06:15 PM

f3lix don't pay bills he don't have

SittinOnDubsWGW · 10-25-2011, 12:44 AM

Quote:

Originally Posted by Ugly Bastard

Personal anecdote: I have about $8k in cc debt at the moment. Trying to grind my way to getting them paid off so I can just be done with them. Racked up debt on them when I was living like a baller and then when that cash flow stopped coming in I was stuck with the tab. Paying like ~$150 a month just in interest. Horrible feeling.

Getting completely cc debt free is such a great feeling. Get there as soon as you can. I know it's hard after a huge move, but hopefully your cost of living is pretty good right now.

DDTempest · 10-25-2011, 08:14 AM

Quote:

Originally Posted by SittinOnDubsWGW

Getting completely cc debt free is such a great feeling. Get there as soon as you can. I know it's hard after a huge move, but hopefully your cost of living is pretty good right now.

So is never carrying credit card debt and rubbing it in the face of anyone that complains about their credit card bill. Get there as soon as you can.

Mr. Blonde · 10-25-2011, 08:22 AM

Pretty sure rubbing it in the face of everybody just makes you an unlikeable dickhead.

DDTempest · 10-25-2011, 10:35 AM

Quote:

Originally Posted by Mr. Blonde

Pretty sure rubbing it in the face of everybody just makes you an unlikeable dickhead.

Somebody's jealous that they aren't on the debt free side!

Mr. Blonde · 10-25-2011, 11:10 AM

I have absolutely zero credit card debt. Looks like you're still an unlikeable dickhead. (on Credit-talk, anyways)

vaga1220 * · 10-25-2011, 01:43 PM

I used to have zero credit card debt.... Then someone stole my car.

DDTempest · 10-25-2011, 07:00 PM

Quote:

Originally Posted by Mr. Blonde

I have absolutely zero credit card debt. Looks like you're still an unlikeable dickhead. (on Credit-talk, anyways)

Keep talking to me like that and I know one person who will not get a job babysitting for me.

Mr. Blonde · 10-25-2011, 08:27 PM

As if you could get a woman to bear your beastly children.

Beebs · 10-26-2011, 01:22 AM

So Misto, y u no contact me this weekend when you were in town?

SittinOnDubsWGW · 10-26-2011, 03:46 AM

Quote:

Originally Posted by vaga1220

I used to have zero credit card debt.... Then someone stole my car.

Steal someone else's car.

THEINCREDIBLEdork · 10-26-2011, 07:54 AM

Quote:

Originally Posted by Beebs

So Misto, y u no contact me this weekend when you were in town?

BECAUSE EVERYONE I GET CLOSE TO DIES

Mr. Blonde · 11-03-2011, 05:26 PM

I opened up an account at a credit union today and was surprised to find out my "score" was around 750, despite barely owning anything at all and only having two very small-limited credit cards.

Pretty happy about that.

angry pancake · 11-03-2011, 05:58 PM

Oh yeah, I opened my pants today and was surprised to find out that my "cock" was around 750 mm, despite not measuring at all and rounding up with an incredibly limited knowledge of the metric system and probably being smaller than I just said.

Really happy about that.

thekremlin · 11-04-2011, 06:11 AM

I'm impressed by both of these things.

Mr. Blonde · 11-08-2011, 12:14 PM

I just got approved for an Amazong CC today, and it seems like a pretty good deal. One step closer to dropping both of my current CC's with annual fees in January.

BigDongedHoe · 11-09-2011, 12:43 PM

I've had a united airlines visa signature card since March and l

THEINCREDIBLEdork · 11-09-2011, 12:45 PM

O rly?

BigDongedHoe · 11-09-2011, 12:47 PM

I've had a United Airlines Visa Signature card since March and love it. My company books all of my work travel through it then re imburses me. Between that, the startup bonus miles and my own personal spending I've gotten 3 free roundtrip flights. I also get the benefits of being a visa signature cardholder (roadside assistance, etc). If you have the ability to pay your credit card off at the end of the month it's extremely smart to use from a rewards standpoint.

Another thing I've taken advantage of regarding credit cards and finance is my iPhone. Every bill I pay and transaction that takes place is done through my IPhone. It also helps me keep a responsible balance on my credit card.

10-23-2011, 11:47 PM	#26 (permalink)
THEINCREDIBLEdork Emperor Meow Join Date: Sep 2004 Posts: 9,353 Internets: 290966	Your 'rents still pay your bills? Pretty sad, bro.
	#YOLO

10-25-2011, 08:22 AM	#35 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	Pretty sure rubbing it in the face of everybody just makes you an unlikeable dickhead.
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

10-25-2011, 11:10 AM	#37 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	I have absolutely zero credit card debt. Looks like you're still an unlikeable dickhead. (on Credit-talk, anyways)
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

10-25-2011, 01:43 PM	#38 (permalink)
vaga1220 * *Dislikes ham Senior Member Join Date: Jul 2005 Location: HELL 666 Posts: 1,518 Internets: 60790	I used to have zero credit card debt.... Then someone stole my car.
	Putting the sensual in non-consensual.

10-25-2011, 08:27 PM	#40 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	As if you could get a woman to bear your beastly children.
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

10-24-2011, 01:19 PM	#30 (permalink)
Ugly Bastard Senior Member Join Date: Feb 2002 Location: U.S.A. Posts: 13,643 Internets: 247330	Credit cards are the devil. It's a bit better now since banks assholes are so tight they're not lending anything to anyone, but before it was basically a game of giving out high interest loans to underqualified people. Stupid poor people don't really think things through like "maybe I shouldn't use this thing" they just think "oh wow $5k spending limit let's go to Wal-Mart!" Society vilifies loan sharks but credit card companies are fairly similar in a lot of ways. Personal anecdote: I have about $8k in cc debt at the moment. Trying to grind my way to getting them paid off so I can just be done with them. Racked up debt on them when I was living like a baller and then when that cash flow stopped coming in I was stuck with the tab. Paying like ~$150 a month just in interest. Horrible feeling.

10-24-2011, 06:15 PM	#32 (permalink)
f3lix Gangnam Style Join Date: Oct 2003 Location: DH's Massage Parlor Posts: 6,383 Internets: 213510	f3lix don't pay bills he don't have

10-26-2011, 01:22 AM	#41 (permalink)
Beebs Poor Sport Join Date: Feb 2004 Location: Indianapolis / Middlebury / Long Lake Posts: 5,306 Internets: 127341	So Misto, y u no contact me this weekend when you were in town?

11-03-2011, 05:26 PM	#44 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	I opened up an account at a credit union today and was surprised to find out my "score" was around 750, despite barely owning anything at all and only having two very small-limited credit cards. Pretty happy about that.
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

11-08-2011, 12:14 PM	#47 (permalink)
Mr. Blonde Spice Master Join Date: Jan 2004 Posts: 17,969 Internets: 284106	I just got approved for an Amazong CC today, and it seems like a pretty good deal. One step closer to dropping both of my current CC's with annual fees in January.
	Psychedelics are illegal not because a loving government is concerned that you may jump out of a third story window. Psychedelics are illegal because they dissolve opinion structures and culturally laid down models of behavior and information processing. ― Terence McKenna

11-09-2011, 12:43 PM	#48 (permalink)
BigDongedHoe Sex Kitten Milf fuuucck Join Date: Feb 2002 Location: Denver, CO Posts: 3,704 Internets: 55974	I've had a united airlines visa signature card since March and l
	There's life and then there is Cubs baseball, it's a chore to seperate the two.

11-09-2011, 12:45 PM	#49 (permalink)
THEINCREDIBLEdork Emperor Meow Join Date: Sep 2004 Posts: 9,353 Internets: 290966	O rly?
	#YOLO

11-09-2011, 12:47 PM	#50 (permalink)
BigDongedHoe Sex Kitten Milf fuuucck Join Date: Feb 2002 Location: Denver, CO Posts: 3,704 Internets: 55974	I've had a United Airlines Visa Signature card since March and love it. My company books all of my work travel through it then re imburses me. Between that, the startup bonus miles and my own personal spending I've gotten 3 free roundtrip flights. I also get the benefits of being a visa signature cardholder (roadside assistance, etc). If you have the ability to pay your credit card off at the end of the month it's extremely smart to use from a rewards standpoint. Another thing I've taken advantage of regarding credit cards and finance is my iPhone. Every bill I pay and transaction that takes place is done through my IPhone. It also helps me keep a responsible balance on my credit card.
	There's life and then there is Cubs baseball, it's a chore to seperate the two.

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