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Author Topic: Questions for Callaway  (Read 118017 times)

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Offline El

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Re: Questions for Callaway
« Reply #1110 on: February 07, 2008, 08:12:52 AM »
What would be a good credit card to start building credit?  I don't know what a "low" rate is, but mostly what I care about is that it costs me as little as possble (and not just during the "intro period" and I can pay it off every month online with my atm debit card (I've been able to pay for stuff online before with the debit card, so prolly not much of an issue there).  I might try getting a card though my bank, but I'm not sure if their rates are good or not.  I don't give a crap about rewards or any of that junk.  I'll probably use it as little as I can and still have it build credit- I'm not going to go all crazy with it.

I think 22 is prolly getting to be too old to have no credit history.   :-\
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Offline QuirkyCarla

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Re: Questions for Callaway
« Reply #1111 on: February 07, 2008, 09:50:18 AM »
I just got approved for my first credit card myself...from the bank.

The bank seems to be a good way to go, IMO.
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Offline Tesla

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Re: Questions for Callaway
« Reply #1112 on: February 07, 2008, 10:48:05 AM »
Quote from: JLPMS Elle on February 07, 2008, 08:12:52 AM
What would be a good credit card to start building credit?  I don't know what a "low" rate is, but mostly what I care about is that it costs me as little as possble (and not just during the "intro period" and I can pay it off every month online with my atm debit card (I've been able to pay for stuff online before with the debit card, so prolly not much of an issue there).  I might try getting a card though my bank, but I'm not sure if their rates are good or not.  I don't give a crap about rewards or any of that junk.  I'll probably use it as little as I can and still have it build credit- I'm not going to go all crazy with it.

I think 22 is prolly getting to be too old to have no credit history.   :-\

If you're paying it off every month it doesn't really matter what the rate is... because you won't be charged interest.  A good rate is anywhere from 11 to 14% after the special introductory rates... the most important thing is to pay that bill, every month, ON TIME.  I missed a payment or two, and they jacked up my rates, and it really affected my credit score.  It's taken a lot of time, but I've got it in the mid 700s now.  It's much easier to start off with good credit than to repair it, so make sure you always pay on time.

Oh, there's lots of cards out there that don't charge a monthly fee... make sure you get one of them.
« Last Edit: February 07, 2008, 10:50:01 AM by Tesla »
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Offline Callaway

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Re: Questions for Callaway
« Reply #1113 on: February 07, 2008, 11:20:03 AM »
Quote from: JLPMS Elle on February 07, 2008, 08:12:52 AM
What would be a good credit card to start building credit?  I don't know what a "low" rate is, but mostly what I care about is that it costs me as little as possble (and not just during the "intro period" and I can pay it off every month online with my atm debit card (I've been able to pay for stuff online before with the debit card, so prolly not much of an issue there).  I might try getting a card though my bank, but I'm not sure if their rates are good or not.  I don't give a crap about rewards or any of that junk.  I'll probably use it as little as I can and still have it build credit- I'm not going to go all crazy with it.

I think 22 is prolly getting to be too old to have no credit history.   :-\

If you intend to pay it off in full every month, the interest rate does not matter as much as the no annual fee.

I think that Wachovia and Capital One are pretty good for both.

I think that you can set it up so the payments are made automatically every month from your bank account, assuming that you have a checking account to go with your debit card.  I think that you can even set it up so the payments can be made with your debit card, but I don't have one, so I am not as certain about that.

Like Tesla said, making the payments on time every single month is very important in building your credit score.
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Offline ALLDAYGLOWRANDY

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Re: Questions for Callaway
« Reply #1114 on: February 07, 2008, 04:31:53 PM »
Do you have to right all the time, are you like spokane girl, wanting to right all the time, and get into arguements frequently?


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Re: Questions for Callaway
« Reply #1115 on: February 07, 2008, 04:45:56 PM »
Quote from: AllDayGlowRandy on February 07, 2008, 04:31:53 PM
Do you have to right all the time, are you like spokane girl, wanting to right all the time, and get into arguements frequently?




you might get a response to this question if you REPHRASE IT IN ENGLISH. doooooy!  :bunny:
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Offline Christopher McCandless

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Re: Questions for Callaway
« Reply #1116 on: February 07, 2008, 04:48:20 PM »
Quote from: AllDayGlowRandy on February 07, 2008, 04:31:53 PM
Do you have to right all the time, are you like spokane girl, wanting to right all the time, and get into arguements frequently?



Right and wrong is a quandary.
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Offline Lucifer

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Re: Questions for Callaway
« Reply #1117 on: February 07, 2008, 04:51:12 PM »
yes, not a verb.

:laugh:
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Offline DirtDawg

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Re: Questions for Callaway
« Reply #1118 on: February 07, 2008, 04:54:28 PM »
Quote from: Magical Trevor on February 07, 2008, 04:45:56 PM
Quote from: AllDayGlowRandy on February 07, 2008, 04:31:53 PM
Do you have to right all the time, are you like spokane girl, wanting to right all the time, and get into arguements frequently?




you might get a response to this question if you REPHRASE IT IN ENGLISH. doooooy!  :bunny:

Doubt it.

:bunny:
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Offline Christopher McCandless

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Re: Questions for Callaway
« Reply #1119 on: February 07, 2008, 04:55:31 PM »
Quote from: Lucifer on February 07, 2008, 04:51:12 PM
yes, not a verb.

:laugh:
:laugh:

I wish some people in my union would remember that one. Bloody pro-life nutters...
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Offline odeon

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Re: Questions for Callaway
« Reply #1120 on: February 08, 2008, 02:09:49 AM »
It's a miracle that anyone around you can be pro-life. :P
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Offline Lucifer

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Re: Questions for Callaway
« Reply #1121 on: February 08, 2008, 02:11:08 AM »
Quote from: odeon on February 08, 2008, 02:09:49 AM
It's a miracle that anyone around you can be pro-life. :P

:laugh:

ooooh, that's nasty, O Man.  but funny.
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Offline odeon

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Re: Questions for Callaway
« Reply #1122 on: February 08, 2008, 02:19:47 AM »
I try to be nice but all too often, I remember that I'm really not. :P
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Offline Lucifer

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Re: Questions for Callaway
« Reply #1123 on: February 08, 2008, 02:20:50 AM »
Quote from: odeon on February 08, 2008, 02:19:47 AM
I try to be nice but all too often, I remember that I'm really not. :P

yesssss!

:laugh:
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Offline ALLDAYGLOWRANDY

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Re: Questions for Callaway
« Reply #1124 on: February 08, 2008, 02:34:51 PM »
Quote from: Magical Trevor on February 07, 2008, 04:45:56 PM
Quote from: AllDayGlowRandy on February 07, 2008, 04:31:53 PM
Do you have to right all the time, are you like spokane girl, wanting to right all the time, and get into arguements frequently?




you might get a response to this question if you REPHRASE IT IN ENGLISH. doooooy!  :bunny:

I might also get a response if you were not so easily overstimulated.
 :laugh:
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