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-   -   Finally got my first credit card! (http://www.insidehoops.com/forum/showthread.php?t=304613)

enayes 06-20-2013 03:43 PM

Finally got my first credit card!
 
After being denied over 5X in the last few years I finally got approved for my first credit card! From Bank of America! I am 23.

kaiteng 06-20-2013 03:47 PM

Re: Finally got my first credit card!
 
You are now about to be in debt! Congrats man XD


MMM 06-20-2013 03:49 PM

Re: Finally got my first credit card!
 
damn at being denied for a credit card
that seems like a bad sign because they usually give those out to anybody

daily 06-20-2013 03:51 PM

Re: Finally got my first credit card!
 
Quote:

Originally Posted by enayes
After being denied over 5X in the last few years I finally got approved for my first credit card! From Bank of America! I am 23.

Congrats.. be responsible with it

I suggest after you buy me dinner you put it away and don't use until the balance is paid off

all kidding aside use it but don't go nuts

nightprowler10 06-20-2013 03:52 PM

Re: Finally got my first credit card!
 
Quote:

Originally Posted by MMM
damn at being denied for a credit card
that seems like a bad sign because they usually give those out to anybody

They've been much more careful in the past couple of years. Basically, you'll still get whatever you want if you've had CCs all your life, but people trying to get a card for first seem to not get it as easily anymore.

MetsPackers 06-20-2013 04:47 PM

Re: Finally got my first credit card!
 
Welcome to the world of debt! :cheers: <-- have a beer! Now sign at the x!

Bandito 06-20-2013 05:09 PM

Re: Finally got my first credit card!
 
I'll see you in a couple of month @ the Bankrupt club!

Shade8780 06-20-2013 05:18 PM

Re: Finally got my first credit card!
 
Quote:

Originally Posted by kaiteng
You are now about to be in debt! Congrats man XD


Only reason I came into the thread was to post that picture. Fvck you.

bmulls 06-20-2013 05:27 PM

Re: Finally got my first credit card!
 
The only reason you should use it is for emergencies or planned purchases where you buy something and pay it off immediately to build your credit score.

I know way too many people who already ruined their credit in their 20s because they think a credit card is free money :facepalm

MadeFromDust 06-20-2013 05:31 PM

Re: Finally got my first credit card!
 
Congrats on the achievement. Now cut it up while ewe still have a 0 balance and pay everything cash money

flipogb 06-20-2013 05:34 PM

Re: Finally got my first credit card!
 
the 5 denials ruined your score already, off to a great financial start here. lol

tomtucker 06-20-2013 05:37 PM

Re: Finally got my first credit card!
 
which kind is it ?

nathanjizzle 06-20-2013 06:03 PM

Re: Finally got my first credit card!
 
everytime you are denied, it is a bad mark on your credit report.

Qwyjibo 06-20-2013 06:56 PM

Re: Finally got my first credit card!
 
Quote:

Originally Posted by flipogb
the 5 denials ruined your score already, off to a great financial start here. lol

But now that he has one it's his chance to build up his credit.

Credit cards are good. Use it wisely. If you are getting some kind of points or cashback then use it for everything and pay it off right away. I almost never use cash or debit anymore.

Rockets(T-mac) 06-20-2013 07:00 PM

Re: Finally got my first credit card!
 
Quote:

Originally Posted by Qwyjibo
But now that he has one it's his chance to build up his credit.

Credit cards are good. Use it wisely. If you are getting some kind of points or cashback then use it for everything and pay it off right away. I almost never use cash or debit anymore.

This. Honestly credit cards aren't a bad thing if they are used properly, but for some reason people think it's free money. One thing you have to learn in life is that there is no such thing as free money.


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