BF2S Forums Which credit card is better?

to make sure you have job ...... and its a job that you have been established with


they don't want to see that you have quit/fired from 3 different jobs in the past 12 months

SEREMAKER wrote:

so let me visualize your post :

I'm a college kid ( well I was because now I can't afford the tuition and my parents can't help out either ) I live in a run down piss poor apartment bc renting is higher then a mortgage payment, I have shit car parked outside running 4 balled tires, overheats and the transmission is slipping, the inside of apartment has a futon - a cement block entertainment center with a tv from '87 - a vhs/dvd combo - a wire spool for a dinner table

but Hey I don't have to worry about those evil credit card companies or banks because I'm saving every week on top of paying a monthly renting fee, gas, food, car insurance, utility bills, clothing, entertainment

Look at what you said: "on top of paying a monthly renting fee, gas, food, car insurance, utility bills, clothing, entertainment"... now you change rent to house payment,add car payment and credit card balance every month so how are you going to find the money for all that? It looks you're screwed either way.  Don't worry about saving 'cause banks and credit card companies will make sure you do, they'll suck you dry.

Ticia wrote:

SEREMAKER wrote:

so let me visualize your post :

I'm a college kid ( well I was because now I can't afford the tuition and my parents can't help out either ) I live in a run down piss poor apartment bc renting is higher then a mortgage payment, I have shit car parked outside running 4 balled tires, overheats and the transmission is slipping, the inside of apartment has a futon - a cement block entertainment center with a tv from '87 - a vhs/dvd combo - a wire spool for a dinner table

but Hey I don't have to worry about those evil credit card companies or banks because I'm saving every week on top of paying a monthly renting fee, gas, food, car insurance, utility bills, clothing, entertainment

Look at what you said: "on top of paying a monthly renting fee, gas, food, car insurance, utility bills, clothing, entertainment"... now you change rent to house payment,add car payment and credit card balance every month so how are you going to find the money for all that? It looks you're screwed either way.  Don't worry about saving 'cause banks and credit card companies will make sure you do, they'll suck you dry.

well lets see here ............. I live in a house that is building equity ..... you don't build equity in a rental ..... the exact same house payment I make, would cover a rental fee for a place half the size of what I'm in ......... half 

I drive a '06 truck with a 10 year/ 100,000 mile warranty .... its paid off

after your used high high mileage car gets worked on for a starter, alternator, transmission, timing belt, radiator, fuel pump

between mine and ours which is going to need repairs first


all this and I still save ....... nice house, nice truck, wife has a nice suv ................ and my bank actually gives me money and not just the interest I make off my savings account but it gives me money just for being with them .... monthly



have fun in your rental, enjoy riding in your very very used car ( well when its riding and not in the shop ) ............... and how does that college diploma look on the wall ..... oops nevermind ... couldn't afford that tution, I understand

well good for you ............ nice that your country pays for you to go to a university .............. so your saving for tution argument went right out the window on that one


when you bought your house ( 50 years went quick ) did you get for market value

Ticia wrote:

SEREMAKER wrote:

well good for you ............ nice that your country pays for you to go to a university .............. so your saving for tution argument went right out the window on that one


when you bought your house ( 50 years went quick ) did you get for market value

Do you ever pull your head out of your ass and try to put yourself in someone elses shoes? Guess not.

IF i had to pay tuition i would work through college and save money like many of the american i know do.
IF i had to ask the bank for money to buy my house, i would be paying it for 50 years.

Now back to me...yes i payed my house up front and 2 years later is worth more than what i gave for it because of it.

Why don't you take your own fucking advice

Try being a full time student here in the states at nice college, holding down a full time job, saving for a car ( if you don't all ready have one, then you have to maintain it) insurance ( guess what, most insurance companies run a credit history, they will be curious why you don't have one ) pay cell phone bill ( again cell phone companies run a credit history ) pay for rent ( some renters do a credit check ) pay for utilitys ( most utility companies run a credit check ) pay for food, pay for clothing, pay for entertainment


Yeah do all this without ever dealing with 1 bank or 1 credit company

I bet the older members of my family still needed to get a loan for their business and their house. I bet they didn't have so many monthly occurrences that tie in with your credit history.

Do you think of me irresponsible for having credit ...... not debt ... but credit

Sydney wrote:

Pre-paid credit card ftw.

All the features with none of the debt

But what's the point?

How does that have any benefit over a debit card?

Hurricane2k9 wrote:

So I applied for a BofA Visa card and they rejected me right away lulz

I think it's because I don't really have a fixed income. I just get money from my parents each month for shit like movie tickets or going out to eat occasionally. And it's not like I get a huge amount of money. My scheme was to pay for these small charges with my card, then pay the card off in full each month, to start building some good history. It's not like I have to spend much money anyway

What do I do?

would they co-sign for you

Capital One is a easy to get into credit card .......... what sucks now for you is that the rejection is going to show on your history

tip : don't do those in-house cards ...... ie : Walmarts Card or Best Buy Card ......... they do very little for your score with high interest but miss a payment and it will on your score

I take it that you're with BoA

Fucking sick of this Citibank ad they keep spamming lately.


"lololol r u paying 17% on ur kard? lol ur dum. u shud get our kard! its 1%! 1 FUCKING PERCENT!"

[fine print]yer btw that 1% is only for a year, at which you'll be shot up to a ludicrous 20%. And you thought 17% was bad, well fuck you dumbshit, sign up to the $25,000 limit and get reamed already. Also no-one reads this.[/fine print]

@Cheez do people still fall for that shit? I mean christ the prime rate isn't even 1% so it'd be impossible to have a card that's 1% forever (I think)

@SERE I had this really fucking awesome dream that I got like a 240SX or a Honda Prelude or some cheap-ass car last night actually. But no I don't own a car can I put my old computer as collateral or something?