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Old 06-08-2012, 08:27 PM   #1 (permalink)
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Credit Card offers...

I keep getting offers in the mail and I keep shredding them. Never had a card besides my GE money, which I had to get through a Tire and Wheel shop. I was told I need better revolving credit and I've been stubborn against credit cards, but this card has made me wonder.

Since you guys are the smartest, most resourceful people I know, sadly enough, I am wondering if anyone has info on the chase Slate card. I hear it's good.
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Old 06-08-2012, 08:32 PM   #2 (permalink)
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PBB told me credit cards are evil.
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Old 06-08-2012, 08:34 PM   #3 (permalink)
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I closed five Chase accounts. Checking, savings, and three CC's.

Screw them. Nothing is worth dealing with them.
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Old 06-08-2012, 08:35 PM   #4 (permalink)
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I have a Walmart credit card with a $100 limit. That's exactly what I wanted. Walmart is everywhere, you can get a tire, a battery, food, whatever.

Anything beyond that is a waste at best, outright theft at worst. My credit sucks, but guess what? I don't owe anybody shit. One year left on my wife's big white egg mini van, four on the house, and then it's done.
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Old 06-08-2012, 08:36 PM   #5 (permalink)
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If you'll be paying the balances off in full (you should) and you are not going to be using it very often most credit cards are all about the same, just read the fine print to make sure there aren't any annual fees or other douchetrickery.
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Old 06-08-2012, 08:38 PM   #6 (permalink)
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As long as you pay it each month in full its okay to have a card. If you do carry one then get one that pays you. Nothing like 5% back for buying fuel
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Old 06-08-2012, 08:38 PM   #7 (permalink)
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I have a Walmart credit card with a $100 limit. That's exactly what I wanted. Walmart is everywhere, you can get a tire, a battery, food, whatever.

Anything beyond that is a waste at best, outright theft at worst. My credit sucks, but guess what? I don't owe anybody shit. One year left on my wife's big white egg mini van, four on the house, and then it's done.
so you actually owe people shit. got it.
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Old 06-08-2012, 08:39 PM   #8 (permalink)
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If you'll be paying the balances off in full (you should) and you are not going to be using it very often most credit cards are all about the same, just read the fine print to make sure there aren't any annual fees or other douchetrickery.
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As long as you pay it each month in full its okay to have a card. If you do carry one then get one that pays you. Nothing like 5% back for buying fuel
...and if you don't carry any balance, you don't build your credit score.
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Old 06-08-2012, 08:39 PM   #9 (permalink)
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...and if you don't carry any balance, you don't build your credit score.
No.
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Old 06-08-2012, 08:39 PM   #10 (permalink)
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so you actually owe people shit. got it.
just a little longer
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Old 06-08-2012, 08:40 PM   #11 (permalink)
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I have a Chase Slate. I got it last spring to consolidate three other cards that I subsequently cancelled. I paid that balance off in the 6 months zero interest period that was offered with the card, and kept the it to use for some bill auto payments, and personal fuel expenses. I pay it off every month, and have gone from 680 to 780 in the last 14 months.

I get about a dozen card offers a week and shred them all.
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Old 06-08-2012, 08:42 PM   #12 (permalink)
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http://www.cardratings.com/

bam. Be sensible, don't over spend, pay off balances every month if you can, to avoid paying interest and you can reap the benefits of credit. Rewards, cash back etc.

Don't let all the Dave Ramsay nut swingers scare you away from credit. When used responsible it's quite handy.

I use my card for reimbursable gas at my job. It's nice to not have to pay out of pocket for gas money my company owes me.
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Old 06-08-2012, 09:07 PM   #13 (permalink)
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...and if you don't carry any balance, you don't build your credit score.
Thankfully, I don't use you for credit advice.
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Old 06-08-2012, 09:43 PM   #14 (permalink)
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I keep getting offers in the mail and I keep shredding them.
Good. At least you aren't costing them money by sending back the return envelope.
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Old 06-08-2012, 10:37 PM   #15 (permalink)
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My grandma has been opening them
And sending back the paid envelope for years. They get the message pretty quick and quit for awhile.
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Old 06-08-2012, 11:04 PM   #16 (permalink)
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just got a discover card, they have pretty good offers at the time. Transfer some balances for 0% APR for 15 months. I've been using the 0% transfer with several cards and then pay them off in the time period. Shred the card and setup auto payments, then cancel the card. Seems to be working well.
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Old 06-08-2012, 11:11 PM   #17 (permalink)
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get the one with the lowest interest rate. when you need it is there. it will slowly build your credit. say you buy a 3 tanks of fuel a month. use it one month, pay the minimum untill its paid off but dont use it untill its paid off. aint nothing like good credit lol
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Old 06-09-2012, 03:34 AM   #18 (permalink)
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Good. At least you aren't costing them money by sending back the return envelope.
I send them all the other junk mail I get in those envelopes...
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Old 06-22-2012, 10:55 PM   #19 (permalink)
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Man! I forgot I had this thread til I got another offer today. Ha. I think I'm gonna look hard about a good card and put my normal gas expenses on it. Hmmmmm
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Old 06-22-2012, 11:32 PM   #20 (permalink)
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Man! I forgot I had this thread til I got another offer today. Ha. I think I'm gonna look hard about a good card and put my normal gas expenses on it. Hmmmmm
Honestly how is your self control?

If you are one of those people that hast to have things RIGHT NOW, cant save, cant walk around with $50 in your wallet for more than a day without having to spend it, or you live pay day to pay day then credit cards are probably not the best choice.

Also, if you are not single and your significant other can not control their spending do not put them on your account. Hell even if they can control themselves better to not put them on your account.....
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