Posted 16 March 2013 - 11:25 AM
Still don't understand the point in credit cards... If you want something, get it when you can afford it. The only useful aspect of credit is for a house, and maybe a car.
I have never had a credit card. I pay cash for everything.(debit card for big stuff, but that is basically cash). Its an easy concept, can't afford it? Don't buy it. Now i realize thats probably not feasible when buying a house, but I'm not there yet.
+1 ....and yet in today's world "some credit" is a necessity, (houses, cars, emergencies, etc)....if a person can resist the temptation to over use their credit, and pay off the purchases on time and responsibly then credit can be a benefit,...if not, credit can quickly become an anchor that will drag 'em down...my experience with capital one is that they're ok for establishing some credit, but nothing else,...a few small purchases here and there, pay it off quickly and your credit limit and scores will increase and then ditch them asap...amex forget about it, get rid of them, ....ivi, if you are able to show responsibility with your credit then in about 6 months credit card companies will be beating down your door, junk mail, junk phone calls, "special offers" will come pouring in...
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