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      05-14-2011, 02:43 PM   #1
Bmoney2K4
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Good Credit Cards?

Does anyone have any good credit cards they just received recently? I am looking into Chase Freedom but the APR is either 13.24 %or %19.24 %. More than likely because of my credit I think theyll give me 19.24 % which seems pretty high.
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      05-14-2011, 02:46 PM   #2
nnnnnnnnnnnnnnnnnnnnnn
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pay the whole bill at the end of the month and apr means nothing...
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      05-14-2011, 02:47 PM   #3
Bmoney2K4
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I can't do that because I'm in serious debt right now
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      05-14-2011, 02:49 PM   #4
nnnnnnnnnnnnnnnnnnnnnn
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Quote:
Originally Posted by Bmoney2K4 View Post
I can't do that because I'm in serious debt right now
then another line of credit is not something you should be doing
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      05-14-2011, 02:51 PM   #5
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Quote:
Originally Posted by Bmoney2K4 View Post
I can't do that because I'm in serious debt right now
Sell a car?
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      05-14-2011, 03:08 PM   #6
Bmoney2K4
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My car is a lease and its due back in under six months. The only reason that I am contemplating opening another line of credit is to help my credit score.
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      05-14-2011, 03:11 PM   #7
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Quote:
Originally Posted by Bmoney2K4 View Post
My car is a lease and its due back in under six months. The only reason that I am contemplating opening another line of credit is to help my credit score.
Getting outta debt sounds like your best option to repair credit, not getting deeper.....
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Simply put, i dont want to end up on youtube because i like to deep throat a popsicle.
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      05-14-2011, 04:05 PM   #8
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I hear you can get the Kia Soul for $99 a month
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      05-14-2011, 04:11 PM   #9
Bmoney2K4
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I hear you can get the Kia Soul for $99 a month
Won't go that route. I'm thinking about getting a 2001 lexus gs 300.
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      05-14-2011, 04:15 PM   #10
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Won't go that route. I'm thinking about getting a 2001 lexus gs 300.
And obviously you're the kind of positive financial decisions. If you're worried about looking bad, you'll look a lot sadder in a 12yr old Lexus than a cheap new kia. Plus considering the maintenance cost differences, it looks like you should be saving your money, not spending it.
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      05-14-2011, 04:16 PM   #11
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just wow....
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      05-14-2011, 04:46 PM   #12
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just wow....
Think we found Americas problem....
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      05-14-2011, 05:09 PM   #13
nnnnnnnnnnnnnnnnnnnnnn
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I just don't get how people can be comfortable buying something that they do not have the money for. They are basically willing to pay a 20%+ premium for everything when you factor in the apr.
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      05-14-2011, 05:11 PM   #14
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His first stop after buying the Kia:

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Simply put, i dont want to end up on youtube because i like to deep throat a popsicle.
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      05-14-2011, 06:21 PM   #15
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I don't know what you guys are talking about. It's not his fault. It is the credit card company's fault, no?

In all seriousness, I'm with freak.... Just wow...
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      05-14-2011, 06:33 PM   #16
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How bout a good pair of running shoes?
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      05-14-2011, 06:43 PM   #17
nnnnnnnnnnnnnnnnnnnnnn
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It reminds me of a joke by Bernie Mac. You know what the best part is about having a Discover card? Spending all that money until the company "discovers" I'm not paying them back.
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      05-14-2011, 07:00 PM   #18
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wow
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      05-14-2011, 08:30 PM   #19
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First of all guys you don't need to make fun of this guy. There is no sense in taking pleasure in someone's misfortunes.

Yes, it seems that he is making HORRIBLE financial decisions but instead of making fun try helping him/her.

Opening up another credit card will not help your credit score at all.
It will actually lower it if anything because 10% of your score is "new credit" and 15% is "length of credit history". Both of those areas will be negatively effected by opening up another credit card.
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      05-14-2011, 08:47 PM   #20
Bmoney2K4
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There are extenuating circumstances that have contributed to me being in this postition. I am pretty sure it is rare for others to relate to.
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      05-14-2011, 09:49 PM   #21
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Everyone has problems. I hope everything works out for you man.
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      05-14-2011, 09:59 PM   #22
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bmw-nj, you're the kindest soul on this forum.
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