Hey, dumbass, not everyone on GFY responded. I have zero CC debt because once I eliminated that problem I stopped buying things I could not pay for. I pay for flights and hotels and my cell phones with a CC, but it is set to auto-pay every month for the full balance. I never see it, it just gets paid.

I watch people charge their groceries and I cringe.They will never be out of debt. Once I realized that CC's were not my friend I brought them down to one and I never use it as a credit card. :2 cents:

really and how is it all automatically SET to AUTO PAY?? Strange... do you have robots to do everything for you?

if you want to cancel something, you must PAY IT.. with your money..

its not being cancelled automatically..

You put money in your bank account, and you pay your credit card.. nothing is done automatically...

unless you have robots working for you.

Or are you those rich fuckers who never have a PAPER BILL in your pocket and you do all electronically? WTF DUDE?

you can set that up through your CC company's website. Both of the cards I have allow you to do that, it's not magic :upsidedow

cant tell if serious

I have some CC debt, not alot, i did use them about 7-8 years back to an extreme and it got a bit out of hand, UK banks were offering me £15k limit cards, it was stupid, I now have 2 and I can bounce the balance at 0% interest for 9 months at a time, I bought a new bike on it, interest worked out better, i have plenty of equity / assets so managed correctly CC debt isn't all bad. Just gotta keep an eye on them, they have a habit of changing the rules/interest overnight.

yes yes, but AUTO PAY with what?... with another CC??..

I guess you mean with a bank account...

BUT STILL, you need money to pay that... and to have money, you need to go to your bank and put money in the account, or DO SOMETHING to put money in the account..

unless you are a millionaire who has 2 million in his account and uses it to AUTO-PAY EVERYTHING for the next 10 years...

Are you that guy?

Don't have a "real" credit card either, just using a debit card for payments that need to be made by cc. Car is on a lease, all accounts in the black, no mortgage - guess I'm fine :thumbsup

Maybe the ones with debt just didn't reply?

So, in your experience, if you've a steady income like 5000 USD +/- 1k per month for a year or two you think a bank would miss out to offer you a real credit card? Probably a better deal for them then giving it to someone with a 9-5 job that pays half of that ...

$4200 bank 1
$5000 bank 2

just so you dont waste too much time man, the guy you are replying too is 100% crazy :2 cents: :1orglaugh

Wow, you're dense. Auto pay simply means it comes out of your checking account on the due date.

btw my magic robots are called direct deposit, but I do have some checks that I have to bring to the bank. The flying carpet auto drives me there though.

I have about $2000 debt wise. Had alot more than that but paid most of it off. Its not from credit card though.

zero zero zero on every level. Last time I had debt I was 18, bought my first 2x speed CD-ROM writer, my actual gf borrowed me $100 for a few weeks.
However I am just going to build my very first own house and will need some bank loan, but only approx 10-15% of the total costs. :pimp

Never would have guessed that :thumbsup

thats not how banks think...

I can bet you whatever you want, that we can go to 15 banks of my choice and no matter if you are a millionaire, if you dont have a REGISTERED LEGAL FIXED MOTNHLY INCOME, they wont give you a CREDIT CARD... That's how Beaurocrats banks are, specially in year 2012...

I can BET you whatever you want that 90% of GFY posters dont qualify for a TRUE CREDIT CARD, EVER...

PIRIOD.

nada .

Then you are either skint, trolling or talking to the wrong banks. I have no fixed registered monthly income, but like Baddog, I have more than enough in my account to be SPAMMED by credit card offers and have it set up to pay automatically at the end of the month, thus avoiding any interrest payments

If what you said was true then no one that was self-employed would ever be able to get credit since they dont have have a fixed monthly income. Even my 18 year old son has a credit card and he's just a student. They give out credit cards like candy, which is half the country's problem.

The problem is that you and other guys in your country always make it sounds like it's easy and you like the FACT that its easy, and that anyone can get everything over the counter...

they gave PRE-APPROVED LOANS of 1 million dollars with 1 click on internet to people in your country, before the 2008 mortage CRISIS.. and see what happened..

Go figure, dude...

don't dance saying its all easy and that a 2 year old baby can get a credit card and a 11 year old kid can buy a 1 million dollar home... and sit comfortable with 5 notebooks on a shiny saturday morning in a MALIBU CALIFORNIA STARBUCKS while you check your iphone and the celebrities pass by and you say: "im rich, i love this, its all so easy"...

NO.. dont say that... dont even think that...

Say that its HARD TO GET IT.. and its HARD to make money and ITS hard to pay bills and have no debt.

Otherwise, you people, will never ever learn...

That's why nowadays a 1 room apartment in LA ROZINHA in the most dangerous and criminal neighborhood in RIO DE JANEIRO , BRAZIL is more EXPENSIVE that a 3 room apartment in south beach miami...

you probably dont understand what i say or dont get my point, like most people here.. but anyway...

PIRIOD.

I lol'ed.

It's called a business, not working for someone 9-5. Business owners don't have fixed incomes, they have accountants, and tax returns, all that shit you know?
the moment you will get out of your mom's basement you will understand.

Might be the solution to the figures. Or in places like Czech where they don't give them out so easy, most here have debit cards. To the limit of what's in your account. I think, because I never had one, no money and the hut in the cabbage field is free. :1orglaugh

And surrounded by food. :thumbsup

Nothing, zero, zip, nada. And that's how I like to keep It.