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Pistol

Credit Card's Balance/Limit/APR

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Just curious.

 

I just have one.

Bank of America Visa: balance 544.84 / limit 20,500 / APR 11.74%

 

*other debt $2500 on car loan end's in july

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when I was unemployed, and broke, the worst thing that happened to me was discovering that bars will let you run a tab on your card. I think half my debt is alcohol.

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I fucked up before (like 10+ years ago) and ran up $27,000 in debt.

 

Now I got like $600 put on a card (Most from a car repair) with a $10,000 limit I never plan on hitting.

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I dont fuck with credit cards just a debit card.

 

Installment loans up the ass.

 

Lease.

 

Mortgages

 

and

 

You have to have debt and credit to matter.

 

Meaning without debt if you ever plan to buy anything you wont have sufficient credit to do so.

 

If you got credit cards keep balances below 30%. Open a new card if needed to bring down your balance on the maxed out cards. Make sure its free, no annual fee's. The more credit cards you have the better off you will be when buying major items like cars and a home.

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credit cards fucked me early.

i paid them off this summer. one of the best feelings i've ever had...

 

i've still got 75gs in school debt, growing bigger each day... go army!

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got 3 credit cards and im nowhere close to my limit on any of them. i always pay for shit with cash. credit and debit cards i use to pay bills online. i just got credit cards cuase everyone i know told me i needed them to build up my credit to help get loans, or a mortgage. but i never carry them on me. i've had a few friends who have lost their wallet and got huge bills cause they didnt cancel them within a few days.

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so over my limits at the moment.

 

currently have them on hold and $500 per month being automatically paid on each of them.

 

amex limit $3,000 currently at $3158 and growing very rapidly

 

Visa $5,000 currently very close to $5,000 and growing.

 

got a bit behind on payments when the girl took off and the mortgage became mine all mine..

 

damn interst rate rises. gotta find a room mate fast

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Damn. I'm fucked.

 

Capital One Credit Card

$500 Limit

$380 Used

22% APR (I was paying 29%)

+ Annual Membership Fee

 

I bought my first car with cash, which fucked me on my credit ratings, had I financed it I'd probably be better off now in the credit department, since I can't get approved for shit!

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Capital One: Balance: $397.91 / Limit: $500 / 0% APR til Oct 08



 

 

 

Bank Of America: Balance: $651.69 / Limit: $900 / 0% APR til June 08

 

 

 

 

19yo, with my first 2 credit cards. Credit N00b.

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I just have one mastercard with a $3000 limit/19%ish APR that I'm no where near, my younger sister on the other hand .... poor girl. she's learning the hard way.

I also have a $5000 personal line of credit, and about 25k in debt to a car being financed

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My limit is more than I will ever spend in a month.

 

APR... shit if I care/know, I have them set to auto-pay my full balance every month.

 

I use the hell out of my cards for airline miles, my debit has dust on it.

 

Don't spend what you dont have.

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Visa - 5000 credit, 200 available 14.5%apr

MC - 500 credit, -10 available 18% apr

car - still 15,000 9% apr

School - still about 8k 7% apr

 

<indebtoner

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Guest spectr

They won't even let me open up a bank account anymore...

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I have a credit card

 

 

The government USAA AMEX Black card

 

nothing on it though

 

oh wait...I just bought some luggage

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They won't even let me open up a bank account anymore...

 

I know the feeling. When I opened my last acount the teller gave me "the face" when he ran my credit. then he stumbled over trying to find a polite way of telling me how fucked my credit is.

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I have a credit card

 

 

The government USAA AMEX Black card

 

nothing on it though

 

oh wait...I just bought some luggage

 

fucking baller ass nigga here..

 

can get a black amex but cant get a thug nut an XL jacket!

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