how many speeding tickets have you gotten?

Just do it! (credit cards only)

[Viper_Fujax]

i just got my first credit card..and im not moving out for another 6 months or so..so i still have money.

ill update when i move out and have no money,lol.

[Evi]

Um...where\'s the option for $0? I\'m not in debt and I have great credit. I learned from the stupid shit my dad and brother (and basically everyone in my family) did.

It actually took me 3 hours and 3 minutes to turn this gay.

Hardly anything exceptional, we are talking about psx2cntrl.

[Viper_Fujax]

yea, im going to try uber hard to get good credit. Right now im buying some smaller crap (i have a $500 limit anyway) just to show i can make payments.



i mean..im not black

jk clips..jk

I pay off my balance every month. Knock on wood. So far I\'ve never carried a balance.
 
Also, credit card debt is a small part of your credit score. Take out a couple decent sized loans from the bank.
 
I took out loans to buy a used car and my big tv. Once I took a loan for no reason. Five grand. Spent half and paid it all back in six months.
 
By paying it off quickly (take the loan when you have the cash already to cover it) you avoid a lot of interest payments.
 
Banks will learn you\'re responsible and can be trusted with decent amounts. Then don\'t forget to save your cash so you\'re not broke.
 
I\'m going through all this personally so I can afford a downpayment and decent mortgage on a house up here.
 
Friggin Jersey.

some of you here seriously are over 20k in credit card debt?  I was up near 8 or 9K in CC debt but paid it all off over the past few years.  I\'m using a massive credit line we have for remodeling our new house... I think i\'ve only racked up 3 or 4k so far... but that dosen\'t count.

My wife and I have about 8 credit cards and all but 2 have $0 balances, we have so many because we used the 0% interest on transfers (the trick is you can\'t use the card, once you do a nice fat APR kicks in... we just cut the cards up as soon as we got them), this helped pay off our debts with less interest.  It actually hurts your credit score to cancel paid off cards because it hurts your credit/debt ratio.  It won\'t hurt that much in the long run, but we have a lot of smaller cards we are just too lazy to cancel.

And like Eik said, take out a small loan from the bank and pay it back in about 6 months or so, that will improve your score more than anything.

Also, everyone is entitled to one free credit report per year.  I actually got mine today for free through this site.  If you go to a site that asks for a credit card number then go somewhere else.  Acutally here is where I got mine https://www.annualcreditreport.com/cra/index.jsp  You have to pay $7.95 or so to get your FICO score, but that\'s typical.

[Jumpman]

Hawke\'s Last Activity: 02-28-2006 07:53 AM

Yeah he ain\'t coming back LOL.

Bet he killed Smallady, who was probably really fat.

I clicked $100 - $1k  because I pay off my credit card statements in full every month.  That is usually about $600 or $700 per month, but sometimes more.  I do not carry a balance.  Paying interest at credit card interest rates is fucking stupid.
 
I owe about $8K on my car loan, but that is the only loan currently active.  
 
BTW: having too many active credit cards is harmful for your credit score, even if you are not using them and don\'t have a balance on them.  The thinking is, you have the capability to go into debt by the amount of the limit on each card, so it increases the lender\'s risk that you\'ll get into trouble and won\'t be able to repay your loan to them.  If you have 2 credit cards per person, that is more than enough.

[Titan]

I only  credit gas and debit the rest if its more than what I have in my wallet (cash I only use for small shit like CDs, food, whatever. If I go food shopping, its debited). I pay my gasoline bill every month. I\'m thinking about getting a LukOil and Hess gas card. Only two places I really go.

[Titan]

He\'s only been off for 5 months. He pops in every once in a while.

[Titan]

Almost forgot. Its Kirath\'s b\'day too, another inactive member.

[videoholic]

where is 0?

[clips]

*ahem*....:fro:...


http://www.psx2central.com/forums/attachment.php?attachmentid=2899&d=1089205488


http://www.psx2central.com/forums/attachment.php?attachmentid=4301&d=1119479823

tell him to take lessons from a pro!. ...j/k...i think his stuff is decent for what it is,...i see him giving some decent angles in his work...i think his characters are corny but as far as his direction goes....cetain angles etc...i think he does a decent job of giving different looks in his work....

Sorry, been so long since I had zero guess I forgot to inlcude it lol.

Yes I\'m part of the $20k+ crew (22k to be exact).  Not something I\'m proud of but paying my own way in college accounts for more than half of that.  The other part was just bad spending habits.

I have a stable job now and no desire whatsoever to get a new car, so hopefully I\'ll top out at $75k before I file for bankrupcy.