do you have a credit card - Page 4 - Forums at Psych Central



advertisement
Reply
 
Thread Tools Display Modes
Old 01-17-2019, 04:02 AM #31
sarahsweets's Avatar
sarahsweets sarahsweets is offline
Grand Poohbah
 
Member Since: Dec 2018
Location: New Jersey
Posts: 1,983
sarahsweets sarahsweets is offline
Grand Poohbah
sarahsweets's Avatar
sarahsweets Humor is my end game..
 
Member Since: Dec 2018
Location: New Jersey
Posts: 1,983 (SuperPoster!)

107 hugs
given
Default Re: do you have a credit card

I got into trouble years ago with credit cards so I do not have one now. We hardly have any debt at this point because we paid off our house.
__________________
"I carried a watermelon?"

President of the no F's given society.
sarahsweets is offline   Reply With QuoteReply With Quote

advertisement
Old 01-20-2019, 07:09 PM #32
~Christina's Avatar
~Christina ~Christina is offline
Legendary
 
Member Since: Jul 2011
Location: Tennessee
Posts: 14,964
~Christina ~Christina is offline
Legendary
~Christina's Avatar
~Christina has no updates.
 
Member Since: Jul 2011
Location: Tennessee
Posts: 14,964 (SuperPoster!)

5 yr Member
5,290 hugs
given
PC PoohBah!
Default Re: do you have a credit card

We have 2 that we only use once a month for maybe 100 bucks and pay it off at months end , we are trying to rebuild our credit.

Itís working , we went from credit score in 500 to 740 now and thatís with having to finance a whole AC unit we pay through a payment loan. Had our credit score been at 500 we could have never gotten the loan.

Using it and paying it off monthly will increase your credit rating.
__________________
~Christina
~Christina is offline   Reply With QuoteReply With Quote
Old 03-14-2019, 03:22 PM #33
WishfulThinker66's Avatar
WishfulThinker66 WishfulThinker66 is offline
Grand Poohbah
 
Member Since: Jun 2018
Location: Canada
Posts: 1,742
WishfulThinker66 WishfulThinker66 is offline
Grand Poohbah
WishfulThinker66's Avatar
WishfulThinker66 has no updates.
 
Member Since: Jun 2018
Location: Canada
Posts: 1,742 (SuperPoster!)

134 hugs
given
Default Re: do you have a credit card

Regarding payments that only require credit card. Warning bells and red flags are going off right now. There should never be a legitimate bill that will only accept credit card as payment. I am sitting here right now incredibly incredibly suspicious. If you are referring to online or over the phone shopping you might want to evaluate your reasons to do so. IF you find that doing so is in fact necessary then I recommend you obtaining a reloadable credit card. You are best to obtain one from the post office as that is usually where you will get the best rate.
WishfulThinker66 is offline   Reply With QuoteReply With Quote
Old 03-16-2019, 06:44 AM #34
splitimage's Avatar
splitimage splitimage is offline
Moderator
Community Support Team
 
Member Since: Mar 2006
Location: Ontario, Canada
Posts: 9,613
splitimage splitimage is offline
Moderator
Community Support Team
splitimage's Avatar
splitimage has no updates.
 
Member Since: Mar 2006
Location: Ontario, Canada
Posts: 9,613 (SuperPoster!)

10 yr Member
25 hugs
given
PC PoohBah!
Default Re: do you have a credit card

I just got 2 new cards. I gave up using credit cards when I filed for bankruptcy in 2012. Last year I applied for and got a secured credit card, and used it, an paid it off each month to improve my credit score. The finance company that was issuing the cards wanted to get out of that business, so I needed a new card. I decided to try applying for an unsecured card, and wound up getting approved for 2. I'm using one for my monthly grocery order which I always pay off, and the other I'll put a small bill on - like maybe my newspaper subscription but mainly hold onto it for emergencies.
splitimage
__________________


"I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favorite hymn.

"If you see the wonder in a fairy tale, you can take the future even if you fail." Abba



do you have a credit card



As some of you may know, my blog is currently off-line due to some problems at my previous site host. I'm working with my web master to rebuild and get back on-line.
splitimage is offline   Reply With QuoteReply With Quote
Old 03-16-2019, 09:05 AM #35
sarahsweets's Avatar
sarahsweets sarahsweets is offline
Grand Poohbah
 
Member Since: Dec 2018
Location: New Jersey
Posts: 1,983
sarahsweets sarahsweets is offline
Grand Poohbah
sarahsweets's Avatar
sarahsweets Humor is my end game..
 
Member Since: Dec 2018
Location: New Jersey
Posts: 1,983 (SuperPoster!)

107 hugs
given
Default Re: do you have a credit card

Anyone have an idea what kind of card will be recommended for absolutely horrible credit? Something other than capital one.
__________________
"I carried a watermelon?"

President of the no F's given society.
sarahsweets is offline   Reply With QuoteReply With Quote
Old 03-17-2019, 03:36 PM #36
Rose76's Avatar
Rose76 Rose76 is online now
Wise Elder
 
Member Since: Mar 2011
Location: USA
Posts: 9,520
Rose76 Rose76 is online now
Wise Elder
Rose76's Avatar
Rose76 pondering what to do next.
 
Member Since: Mar 2011
Location: USA
Posts: 9,520 (SuperPoster!)

8 yr Member
4,039 hugs
given
PC PoohBah!
Default Re: do you have a credit card

Credit cards really are a necessity of modern life. They can save you money by allowing you to shop on line.

At the moment, I don't have one. I do have a debit card tied to my checking account. That lets me mail order stuff. I don't have one because I tend to look at my mail late and know I'ld not be paying on time. When I'm not away from home so much, I will get one . . . preferably at my Credit Union.
Rose76 is online now   Reply With QuoteReply With Quote
Old 03-17-2019, 04:06 PM #37
raging vortex raging vortex is offline
Cyclonic!.
Community Liaison
 
Member Since: Aug 2012
Location: the asylum
Posts: 26,850
raging vortex raging vortex is offline
Cyclonic!.
Community Liaison
raging vortex has no updates.
 
Member Since: Aug 2012
Location: the asylum
Posts: 26,850 (SuperPoster!)

5 yr Member
2,350 hugs
given
PC PoohBah!
Default Re: do you have a credit card

yep, but at the moment very little on it

and I mean very little
raging vortex is offline   Reply With QuoteReply With Quote
Old 03-21-2019, 05:05 PM #38
Mountaindewed's Avatar
Mountaindewed Mountaindewed is online now
Elder
 
Member Since: Jun 2016
Location: Where the red fern grows.
Posts: 6,935
Mountaindewed Mountaindewed is online now
Elder
Mountaindewed's Avatar
Mountaindewed I like eggs.
 
Member Since: Jun 2016
Location: Where the red fern grows.
Posts: 6,935 (SuperPoster!)

2 yr Member
55 hugs
given
PC PoohBah!
Default Re: do you have a credit card

I have a travel rewards one. I got it about a year ago. I felt really grown up when I got it since it was my first credit card that I could use for anything and not a specific store. I had a credit card for my former job that also had my employee discount on it. Of course I donít use that one anymore. and I have a Macyís one I never use. I have a care credit card which is a lifesaver.

My mom wanrned me for years about the dangers of credit cards. So Iím really good with them and I donít have any issues. But it is so convenient to use one for a $20 item when you donít get paid for a few days.
__________________
Squidward: Spongebob! What are you doing in there?
Spongebob: crying my eyes out.
Squidward: Well, hurry up! I gotta cry too!

Rupaul: You can call me he, you can call me she. You can call me Regis and Kathy Lee. I donít care, as long as you call me.
Mountaindewed is online now   Reply With QuoteReply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -5. The time now is 07:57 PM.

Powered by vBulletin® — Copyright © 2000 - 2019, Jelsoft Enterprises Ltd.



 

advertisement

Psych Central Forums

Psych Central is the leading mental health website, overseen by mental health professionals since 1995.

 

Helplines and Lifelines

The material on this site is for informational purposes only, and is not a substitute for medical advice, diagnosis or treatment provided by a qualified health care provider. .

Always consult your doctor or mental health professional before trying anything you read here.
Please read the full disclaimer.