Applied for my first credit card

Red Squirrel · Post by **Red Squirrel** » Wed Apr 06, 2005 4:06 pm

Hopefully I get approved. I'll need it to register another domain soon, and to renew existing ones. (well AF is the only due one) I hate using my mom's since she get's all freaked out and stuff. 128bit SSL just ain't good enough for her.

I'm scared I don't get approved though, I don't really have a steady income. I mean, I obviously won't use it if I don't have the money but it's just policy I guess, since some would use it in bad financial situations.

But if I do, it will be fun to have a CC.

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manadren · Post by **manadren** » Wed Apr 06, 2005 4:37 pm

You could always just get a checking account with a debit card. Most banks offer one that works just like a credit card and they really don't care what your financial situation is as long as you don't over draw. Personally I think it's a better way to go since you don't have to worry about possibly ruining your credit or getting shafted with interest rates.

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Red Squirrel · Post by **Red Squirrel** » Wed Apr 06, 2005 4:48 pm

Yeah we don't have that here. I wish we did it would be way better.

But at least with a CC I can build credit, since I'll probably need that when I want to apply for a mortgage or something.

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Cicero · Post by **Cicero** » Wed Apr 06, 2005 5:04 pm

Careful with that now. Dont go to crazy. Getting behind with CC payments will probably always be something I'll be paranoid about.

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Red Squirrel · Post by **Red Squirrel** » Wed Apr 06, 2005 5:59 pm

Yeah, well that's the problem with allot of people. It won't happen to me since I'll pay the bill completely every time I get it.

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Cicero · Post by **Cicero** » Wed Apr 06, 2005 6:03 pm

Did you get a good limit on it or is it a low one for students?

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Red Squirrel · Post by **Red Squirrel** » Wed Apr 06, 2005 6:10 pm

Not sure yet, I'll know once I'm approved, they probably set it based on your status, so I'll probably get a low limit, but as long as it slowly goes up, I'm good. All I really need is a few 100 bucks. I'll use it to register/renew domains, and in the future, dedicated hosting, which will require about a hundred per month.

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Minnie · Post by **Minnie** » Wed Apr 06, 2005 9:41 pm

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Bookworm · Post by **Bookworm** » Wed Apr 06, 2005 9:49 pm

Red Squirrel wrote: It won't happen to me since I'll pay the bill completely every time I get it.

Yeah sure. That's what they all say.

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000 · Post by **000** » Wed Apr 06, 2005 10:03 pm

Bookworm wrote:
Red Squirrel wrote: It won't happen to me since I'll pay the bill completely every time I get it.

Yeah sure. That's what they all say.

I do it with my discover card. I pay it off every month. I'd pay my monthly mortgage with it if they'd let me. Every monthy bill I have gets put on the card if possible. I get a percentage back on every charge. Discover must hate me.

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Bookworm · Post by **Bookworm** » Thu Apr 14, 2005 4:15 pm

Did you get your card yet? Did ya? Did ya?

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Red Squirrel · Post by **Red Squirrel** » Thu Apr 14, 2005 5:21 pm

Did not even get a phone call yet. Takes about 2-3 weeks they said. Thing is, I hope it won't be a long distance number because those never get answered here. Well unless it says "visa" or something then I'll know.

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erolyn · Post by **erolyn** » Sat Apr 16, 2005 12:29 am

And here I am trying to apply for my first JOB...

*is younger than Red*

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Red Squirrel · Post by **Red Squirrel** » Sat Apr 16, 2005 12:32 pm

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The Gheyness · Post by **The Gheyness** » Sat Apr 16, 2005 3:28 pm

Erolyn seems to be mildly back.

I *squee!* with excitement.

And I don't *squee!* often, my friends. :þ

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The Gheyness · Post by **The Gheyness** » Sat Apr 16, 2005 3:29 pm

Oh, and credit cards are the devil.

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Minnie · Post by **Minnie** » Sat Apr 16, 2005 6:02 pm

The Gheyness wrote: Oh, and credit cards are the devil.

I thought boys were the devil?

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erolyn · Post by **erolyn** » Sun Apr 17, 2005 12:30 am

The Gheyness wrote: Erolyn seems to be mildly back.

I *squee!* with excitement.

And I don't *squee!* often, my friends. :þ

nah, I just got bored.

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The Gheyness · Post by **The Gheyness** » Sun Apr 17, 2005 1:31 am

Get bored more often, please and thanks.

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The Gheyness · Post by **The Gheyness** » Sun Apr 17, 2005 1:32 am

Minnie wrote:
The Gheyness wrote: Oh, and credit cards are the devil.

I thought boys were the devil?

*puppy dog eyes*

Who, me?

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Red Squirrel · Post by **Red Squirrel** » Mon Apr 25, 2005 5:22 pm

WOOT! Just got it in the mail, so that means I got accepted.

Anyone want to go shopping with me? J/K

I got a $1,000 limit, which is pretty decent, given I'll be using far less then that, but it's good to have that extra just in case.

Still need to call to get it activated though, it keeps transfering me to this busy line after having to enter the number.

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Bookworm · Post by **Bookworm** » Wed Jun 08, 2005 1:08 am

So Red, you haven't been thrown in debtor's prison yet, have you?

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Red Squirrel · Post by **Red Squirrel** » Wed Jun 08, 2005 11:54 am

Yeah I maxed it out real good and gave it to a criminal. He can pay it off if he wants to use it.

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