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Credit Cards for 30 year old beginners.

  1. #1
    BeeReBuddy African Astronaut [pimp your due marabout]
    I have never had a credit card before.
    I hear you can get one and they have cash back or sometimes even will have a 1 time cash bonus of say "$200" after you spend your first $500.
    I already spent money on stuff like my couch but I haven't actually paid a dollar for it yet.
    Anyways, I was thinking about ordering a credit card with a cash back rewards thing and then just using it on my couch or some other purchase that will qualify me for the $200 cash bonus.
    Then I was just going to shred the card and pocket the $200.

    Like I said, I have no experience with credit cards.
    If you could share any useful knowledge I would very much appreciate it.
    Thx.

    -Fona
  2. #2
    BeeReBuddy African Astronaut [pimp your due marabout]
    If anyone knows of a good credit card I can use to pay off my couch with let me know.
    My couch was $1500 and I got it financed for 48 months but in reality I could pay it off right now.
  3. #3
    AngryOnion Big Wig [the nightly self-effacing broadsheet]
    Always pay in full every month.
    Late payment fees and interest can kill you.
  4. #4
    Fonaplats victim of incest [daylong jump-start that nome]
    Which one will pay me the most back.
    Thats all i wanna know.
  5. #5
    Ajax African Astronaut [rumor the placative aphakia]
    Originally posted by BeeReBuddy If anyone knows of a good credit card I can use to pay off my couch with let me know.
    My couch was $1500 and I got it financed for 48 months but in reality I could pay it off right now.

    Paying something off with a credit card isn’t really paying it off. You’re just transferring the debt to a credit card.
  6. #6
    AngryOnion Big Wig [the nightly self-effacing broadsheet]
    ^^ so true.
    If you have to put something on credit all that means is that you cant afford it and you should not buy it in the first place.
  7. #7
    Kev African Astronaut
    is the $200 really a cash bonus or like a credit bonus? i never used a credit card in my life either, those things are scams.
  8. #8
    BeeReBuddy African Astronaut [pimp your due marabout]
    I have tried to apply for 5 credit cards all that supposedly are for people with bad credit and I have been denied all 5 times.
    Fuck this scam.
  9. #9
    RIPtotse Houston
    don't get one man not worth it..unless emergencies..in that case maybe if u have shit credit go to capital one or some shit and get one of those like 300 to 500 limit guys that u give them like 20 bucks for
  10. #10
    stl1 Naturally Camouflaged
    Originally posted by BeeReBuddy I have tried to apply for 5 credit cards all that supposedly are for people with bad credit and I have been denied all 5 times.
    Fuck this scam.



    Every time you are denied credit causes your credit score to go down.

    You are digging yourself a deeper hole.
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