Should I get a Credit Card?

Lokolo

Good luck, but be careful. If you start overspending, cut the damn thing up!!! (I do not want to see you on the DFW bored ok!?)

celticfcz

Haha thanks Lokolo Im sure the second I start having any crazy tendancies to put 32 inch tvs etc on the card the thing will be cut and out of the window! I second that - I dont want to see myself there either!

someone

Lokolo wrote: »

Good luck, but be careful. If you start overspending, cut the damn thing up!!! (I do not want to see you on the DFW bored ok!?)

or, as a novel alternative freeze your card

http://consumerist.com/tag/impulse-spending/?i=5016722&t=stop-spending-by-freezing-your-credit-card-in-ice

Lokolo

someone wrote: »

or, as a novel alternative freeze your card

http://consumerist.com/tag/impulse-spending/?i=5016722&t=stop-spending-by-freezing-your-credit-card-in-ice

lol..... made my evening

celticfcz

someone wrote: »

or, as a novel alternative freeze your card

http://consumerist.com/tag/impulse-spending/?i=5016722&t=stop-spending-by-freezing-your-credit-card-in-ice

Haha thats hilarious :rotfl:

JoeA81

All I would add is, as soon as you get your new credit card, phone up the provider and ask if you can set up a direct debit from your current account to pay the balance of the card off in full every month.

That way you never have to worry about missing a payment, but of course you do need to make sure that any money you spend on your card, you have in your current account when the DD is taken a month later.

If you're disciplined and never spend more than you actually have, then IMO a credit card is a safer and more convenient way of spending (and if you manage to get a card which gives you cashback, then you get paid for spending!).

Blacksheep1979

Lokolo wrote: »

Good luck, but be careful. If you start overspending, cut the damn thing up!!! (I do not want to see you on the DFW bored ok!?)

Do you find it boring there too?

Lokolo

Blacksheep1979 wrote: »

Do you find it boring there too?

Eh? I don't go on it. I'm not in debt! :money:

celticfcz

Lokolo wrote: »

Eh? I don't go on it. I'm not in debt! :money:

Lol I just noticed it there! He was talking about your spelling - you put bored instead of board!

Lokolo

celticfcz wrote: »

Lol I just noticed it there! He was talking about your spelling - you put bored instead of board!

Haha oh yeh. I was tired! I had just got back from work