What Made you Smile/What Ticked you off Today?

[AppleQueso]

How about because every one I've ever applied for turned me down for not having enough credit?

Is that an okay reason?

Please tell me that Best Buy or Discover didn't turn you down.

Never applied to them

[Xeogred]

I actually need to get a credit card too sometime soon. Need to build up credit. I've been denied a few things over the last few years for having no credit. I tried to get an Amazon/Chase card online but was denied, hopefully I have a lot more luck just going up to some place in person and applying though. Maybe I'll do Best Buy.

I wouldn't use a credit card if I didn't have to. But you obviously need it for a lot of things...

Always curious to get any tips on this sort of thing, so if you guys have anything feel free. Like, I am pretty secure again with money at this point, would it be better to buy something big to make payments on for awhile, or just buy little things once a month like gas and stuff?

[Luke]

How about because every one I've ever applied for turned me down for not having enough credit?

Is that an okay reason?

Please tell me that Best Buy or Discover didn't turn you down.

Never applied to them

That should be your starting point. If they deny you, it is my comedic duty to make a "you so broke" joke, which is the last thing I want to do.

You really need to start building a credit history. Try not to be a revolver, pay off the maximum you can while leaving a small balance to boost your score. I'd say in six to nine months (with a valid checking account) you're good to go for a big boy credit card with big boy interest rates.

[OldSchool_Boy]

Smile: Played some surfing maps on CS:Source and with a group of other people made the admin leave in frustration. Funny stuff.

[DinnerX]

Warning: Avoid credit card debt like the plague. Only use the card when you've got the money to pay the bill immediately.

Call me paranoid, but I've seen people get ruined by credit card debt.

[Xeogred]

I know some people myself. Scary to think some of them are still hurting from the debt, years and years later.

So it's best to pay as much as you can initially, then just have very small payments for the rest for months to build up your score?

I hope I don't run into any issues with this when I move out later this year (just going to be renting though). I imagine that'd be too soon to have a score built up at all, not sure though.

[sabrage]

Smile: Played some surfing maps on CS:Source and with a group of other people made the admin leave in frustration. Funny stuff.

Have you stumbled upon any of the Christian CSS servers? They sure are an intolerant bunch. I used to be able to get myself kicked simply by changing my name.

[elmagicochrisg]

I know some people myself. Scary to think some of them are still hurting from the debt, years and years later.

So it's best to pay as much as you can initially, then just have very small payments for the rest for months to build up your score?

I hope I don't run into any issues with this when I move out later this year (just going to be renting though). I imagine that'd be too soon to have a score built up at all, not sure though.

Only buy stuff when you have the money for it, plus a little extra. That way you're always safe, and never without money...

[GameMasterGuy]

Nobody came to the weekly Kid Icarus Uprising event...
So I got two packs

[gtmtnbiker]

So it's best to pay as much as you can initially, then just have very small payments for the rest for months to build up your score?

I don't see any reason to carry a balance. Never had and never will.

If you have trouble getting a credit card, try getting a store card first such as Sears, Macy, Best Buy, etc. Use it for a few purchases (small), and pay it off. After 6 months or so, you should be able to get a regular credit card.

If you're a student at a college, there are usually credit card offers on campus.

If you use a credit card, you should keep track of how much you spent with it on a monthly basis and make sure it's within your budget.