Credit Boards

[double 07 10+ year member]

Exactly......several of my cards are tied to pay monthly bills with auto pay like cable and cell phone bills.......then at the end of each month pay off the CCs.....you have to be responsible......you can have a good credit score without having debt up to your eyeballs......most people have a mortgage and at least one car loan......thats enough along with paid off CCs to have a decent score.....

 

[-BenBen- 10+ year member]

Checking this out

I wanted to share with all of you guys in case any of you experience credit problems..There is a forum Credit Boards dot com that I encountered about 6 years ago when I was having serious credit issues...It has a lot of information and people that are willing to help you and share ideas...I was able to repair my credit..No schemes and nothing to buy......It's a totally FREE to join forum......I now have almost an 800 credit score and just refinanced my home down to a 3.25%...Thank you Credit Boards.....

 

[Flipx99 5,000+ posts]

I paid for my home in cash. What do I need credit for?

 

[double 07 10+ year member]

You don't flip but MOST americans can't do what you done......but a credit score affects insurance rates and it's pulled as part of the hiring process for a lot of jobs......I for one will have my home paid for in a few short years paying extra principal payments monthly.......if only our gov was as responsible as some of us......CONGRATS on having a paid for home.....that definitely is a plus in a prospering economy like ours is right now.....I wished mine was paid for.....

 

[Flipx99 5,000+ posts]

It's a crackerbox. It was just something simple and temporary.

 

[snoopdan 5,000+ posts]

It's a crackerbox. It was just something simple and temporary.

is it at least tasty?

 

[SourDeez 10+ year member]

I paid for my home in cash. What do I need credit for?

Aren't you from like, montana? Where the nicest house might cost you $50k? Where I live, I need credit, because I dont have 150-200k laying around yet.

 

[Sub Woofin 10+ year member]

Are you fellas talking about the Paypal Extras Mastercard?
Thats what I use.. I never had a credit card before until then (just my banks debit card)

Anyways ive been with them maybe 2 years now, and I really like it. I get 1 point for every dollar, 2x on paypal purchases and 3x when used on food/gas

With that, i have the option to use the points for items or I can cash in 5600 of them for $50. I have probably gotten over $300-400 doing that so far.. thats money that I would have never got back if I didnt use a credit card.

Also, I have never paid a bill late. I pay it in full everytime..

If you are responsible with money, put EVERY ******* THING you buy on a credit card. Everything you normally would buy.

My limit is $12,000 I think.

Also I believe my credit score is around 780 but there are other factors worked into that.

How do you guys like it?

Yes, it is. I was the same way, I am a stubborn person and wasnt raised to have alot of money so I never took out loans, I paid everything off (car, bills, etc) and had no credit until I started paying utilities at a house.

Trust me, get a credit card and just be really smart with it. Dont bring it drinking. Dont buy **** you normally wouldnt buy. Also its a really easy way to manage how much you spend on **** (electronics, clothes, gas, fast food)

i was reffering to the "buy now pay later" program

this is actually good advice for newbs with cc's