Do you have any Credit/Debit Cards?

I just got my first one, it's an addition to my parent's Upromise account for me, basically for overnight school trips and the like.

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http://img.photobucket.com/albums/v105/tman2093/Photoshop/upromise.jpg

I have two. One is for fuel because it saves me money and the other one is for airline tickets rental cars hotels and shit like that. I never actually buy stuff with them though. I use my debit card for that. Credit card debt is very bad most people I know with them are in debt up to their ears becuase they cannot control their spending.

no credit cards here.....just a debit card.

*thread title changed

Credit cards are the Devil..... Actually i plan on getting one for gas when i start working full time next summer.

Between my wife and I, we have seven. Total credit limit is just short of a quarter million dollars. Our monthly balance is zero. We charge everything and then pay it all off at the end of the month. Between the cash back and the air miles, its a great deal and I'd advize anyone to take advantage of it, BUT it requires the self control to only buy what you would anyway (no extra purchasing) and pay it off ON TIME.

I'm kind of a "pay it now and get it over with" type of person. So all I have is a Visa Debit card and that's all I'm gonna have. If I don't have any money in the bank and I wanna buy something, too bad. So, I'm staying away from credit cards. But I sure love how I can order shit off the internet with my Visa Check Card. And when you use the machines at the stores, you can select Credit instead of Debit. If you select Credit, then all you have to do is sign a piece of paper. You don't have to put in your pin code.

Between my wife and I, we have seven. Total credit limit is just short of a quarter million dollars. Our monthly balance is zero. We charge everything and then pay it all off at the end of the month. Between the cash back and the air miles, its a great deal and I'd advize anyone to take advantage of it, BUT it requires the self control to only buy what you would anyway (no extra purchasing) and pay it off ON TIME.
Only have 3 credit cards. But I do as Yogs does and pay it off each month. Smartest thing to do with a credit card there is.

As a student I have a Debit card from the bank with an interest free overdraft limit of £1400 (none used yet, just in case). I have a Credit card which I use instead of the Debit card as I get a good deal with Airmiles which means I can pay for the flights to mainland europe for racing (occasionally!). And im about to take out a 2yr loan to pay for a new car with an apr of 6.4% (again...dont you just love student rates?!) I was going to use the overdraft but I figured Id rather keep that for unplanned things like if i need a new comp for uni or car repairs and pay the £95 a month for the car... I reckon my dad has about 8/9 CC's. A friends dad also has about that with a combined credit limit of about £1/4million. Hmm, terminally ill and no living relatives...what would you do with it?!!! (6)

I just got a credit card to help build my credit. It makes spending way too easy, but I manage to pay it off every month.

*opens up purse*

2 debit cards (one for each bank account)
one bp gas card
one providian card
one capital one card
one victoria's secret card
one furniture row card
one lowe's card

Just got a mastercard with a whopping $500 limit :lol: Mainly to pay for online purchases, unused so far

Being a tertiary student, I also got a few of those interest free overdrafts (signed up with every bank that offered them) - also unused so far and will stay that way, but it's nice to know theres a few grand of interest-free financing available if shit ever hits the fan.

I'm with Yogs. If you have a measure of self control and pay your balances off before incurring interest, they're great to have. I personally have made close to $30.00 off of my credit card company. HA! Suckas!

All I have is a debit card, being as I'm a college student. Serves me well right now, so I don't really see a need to get a credit card just yet.

I have a mastercard and a visa. Also a corporate credit card - gold mastercard.

:gives:

Between my wife and I, we have seven. Total credit limit is just short of a quarter million dollars. Our monthly balance is zero. We charge everything and then pay it all off at the end of the month. Between the cash back and the air miles, its a great deal and I'd advize anyone to take advantage of it, BUT it requires the self control to only buy what you would anyway (no extra purchasing) and pay it off ON TIME.

:werd:

ive got my debit card and 2 credit cards.

I've got 2 atm cards.

http://files.automotiveforums.com/gallery/watermark.php?file=/500/98952Visa.JPG

Top: debt card. Note crack along top. A new one is in the mail
Bottom: visa credit card. Student edition=10k limit.

My cards are so damn ugly.

http://files.automotiveforums.com/gallery/watermark.php?file=/500/6914cc.jpg

Corporate one is a mastercard too, but gold.

i have a debit card, i love it :) lol for me, it's better having a card rather than carrying money around in my wallet.

3 cards, American Express, Visa Debit, and Home Depot. Amex I pay every month, Visa Debit for day to day use which comes out of my checking account and Home Depot with 2000 limit, only used 700 (payed off today) for the snowblower I bought this past weekend.

TS out

what would be a good way to get good credit?

I got a freakin' crap debit that doesn't allow cash back and acts as a credit but the money still comes from my bank account.

Freakin' schiz Credit Union...

i have one debit card that it

what would be a good way to get good credit?

Take out a term loan from a bank and pay it off early (get a three year loan and pay it back in three months). Don't actually use the money you borrow to buy anything, just use it to pay back the loan over a few months. The interest rate will be high for unsecured credit, but it will look good on credit reviews.

Just got a debit and one Visa


my mom has like 20 million credit cards, all platnium or gold

I've got a Debit card, but it's a Mastercard so i could order things off the internet if i wanted to.


I got it (i'm only 17) mainly because I went to Italy and taking over 700USD in converted Euros isn't the smartest thing in the world, and Travelers Cheques are too much of a pain.

Now (after the trip) i love it because i dont have to have any cash anywhere. But you do get those wierd looks at the grocery when you get a soda for like .99 cents and whip out the debit card. haha

- a guy i work with has probably 50 credit cards ranging from disney credit cards to goodyear ones. I think he said his combined limit is just shy of 1 million. And he is up to debt to his ears