4 years ago i said o! a credit card! . Next came maxing it out. next came not paying it. next came living on my own, next came a letter from the court saying u owe them money, pay or well take your paychecks, next comes tax returnes with big plans, next comes bye bye tax refund to creditcard. GR!
i hate credit cards.
- Thread starter Fbmowner
- Start date
NI420
Active Member
Mate i so feel your pain, i been chippin away at an everlasting visa bill for 2 years now and it just dont get smaller 
Then to properly kick me in the teeth, at the end the month ten days before pay day i reach for the little purple mother fucker to buy me some much needed petrol only to find out that the week before when id been on the good old interweb buyin some seeds some lil keyboard cowboy had copied the card
Then to properly kick me in the teeth, at the end the month ten days before pay day i reach for the little purple mother fucker to buy me some much needed petrol only to find out that the week before when id been on the good old interweb buyin some seeds some lil keyboard cowboy had copied the card
SocataSmoker
Well-Known Member
It's not the credit cards fault...
I love them, buy now, pay later... works for me, and keeps the credit score great!
I love them, buy now, pay later... works for me, and keeps the credit score great!
Priscilla420
Active Member
Ahh.. those damn plastic cards. I owed almost 10 thousand on different credit cards and spent about 3 years making payments and never seeing my balance go down (due to high ass APR's).. until finally my stepdad did me the HUGE favor of letting me transfer all of my balances to his card with a low APR and I'm happy to say that I'm finally almost done paying him off! 
But dammit, I learned the hard way and I will never ever get into that fuckin hole again. I hate credit cards!!
Edit to add: I still use one, but I charge a little, then pay it off.. charge a little, pay it off.. and I've brought my credit score back up so its all good now
But dammit, I learned the hard way and I will never ever get into that fuckin hole again. I hate credit cards!!Edit to add: I still use one, but I charge a little, then pay it off.. charge a little, pay it off.. and I've brought my credit score back up so its all good now
NI420
Active Member
ill admit i was to blame, i was a victim of my own greed and lust for beautiful t-shirts but by god i had a blast
Priscilla420
Active Member
Haha yeah charging up a storm is definitely a lot of fun.. until it comes back to bite you in the assill admit i was to blame, i was a victim of my own greed and lust for beautiful t-shirts but by god i had a blast
goten
Well-Known Member
i love em also...
they alow me to by my seeds and also my growing supplies off ebay...
NI420
Active Member
im forever gettin bitten in the ass by somethin or other ive developed a hide thick as a buffalos (thats never how ya spell that is it??)Haha yeah charging up a storm is definitely a lot of fun.. until it comes back to bite you in the ass
c0lchester
Active Member
never got one and don't intend too
KaleoXxX
Well-Known Member
i never intend to get a credit card either. with my laughable income i wouldnt be able to pay off shit. so its much better to buy things when i have the money and take the kick in the ass when i cant get something i want. credit cards are a tease and a scam; all the money you guys are paying is making some rich fat bastard richer fatter and more bastardly
i got about a doz credit card offers when i turned 21; took the fake plastic card out and used the envelopes for kindling
and why do i have to suffer having a bad credit score (0 btw is still "bad") when i have made a good financial decision NOT to spend money i dont have?
i got about a doz credit card offers when i turned 21; took the fake plastic card out and used the envelopes for kindling
and why do i have to suffer having a bad credit score (0 btw is still "bad") when i have made a good financial decision NOT to spend money i dont have?
Don Gin and Ton
Well-Known Member
shit ive been paying mine off for 5 years young stupid got a loan paid it off with the card spent both again repeat. paying £90-100 in interest a month to just stay level.
i feel your pain. but a year on ive grown a shit load and my bill is cleared in another month. man up grow some shit and pay it off.
i was £17K in the hole now im 3K on a loan with no interest.
my credit is still fucked tho which is a good thing as im never getting any ever again.
i feel your pain. but a year on ive grown a shit load and my bill is cleared in another month. man up grow some shit and pay it off.
i was £17K in the hole now im 3K on a loan with no interest.
my credit is still fucked tho which is a good thing as im never getting any ever again.
CrackerJax
New Member
This is very simple....
Main Card: American Express. No revolving credit. You must pay off the balance each month. This keeps you in check, or it will 30 days hence.
Secondary card: Mastercard or Visa DEBIT card. The funds come directly out of your account, and you don't have to carry cash everywhere you go.
I'm square each month no matter what.
Main Card: American Express. No revolving credit. You must pay off the balance each month. This keeps you in check, or it will 30 days hence.
Secondary card: Mastercard or Visa DEBIT card. The funds come directly out of your account, and you don't have to carry cash everywhere you go.
I'm square each month no matter what.