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srt4fun80 wrote:I can get the front and rear lip for your car painted already. It would be about $550 shipped. They list for $796. I can get the kit next day and ship right out so let me know. Thanks.

Ahhhh!! I am so excited!! All I have to do is get a credit card. I've already been aproved for a $500 one before but didn't take it, sooooooo.......

HELL YEAH!!!!! GET ER DOONNEEE!!!!! sounds like an awesome deal. get some pics up!!!!!

heck yeah! awesome dude get'er done! lol

hah....credit cards...mistake number 1

E3EsXt02 wrote:hah....credit cards...mistake number 1

Eggzachery. You should wait, the purchases add up and before you know it, you are $2700 in debt like me.

debit chack cards own!!

Responsibility is the key with owning a credit card. If you know you can't pay it off at the end of the month with whatever you have in your bank account, you shouldn't of gotten one in the first place. So many people out there are in debt, I feel sorry that they don't know how to spend their money wisely.

My plan:
Spen the 500 on the card.
Pay more than the minimun till this purchase is paid off. Then make another.
Well at least thats what my bank told me to do. I still haven't even activated the card yet.

my advice IF you do get a credit card...only get one and keep the spending limit low...you can set a lock on it under what your credit limit actually is....so you dont' get yourself introuble....i went about 2 years buying stuff paying it off...and did awesome...and then i wen't over board and was about 1500 in debt....luckily that's down to about 500 now...

loans arent too good either. i owe my bank $2500 for a loan i took out earlier this year. i only pay $50 a month so i try to pay over, so its not so bad. hopefully the car will be payed off soon and then i should be fine

The trick to credit cards is when you make a purchase (i.e. gas, food..etc.) if you have the cash or money in your bank account already, use your credit card. Then turn around and use the cash or money in your account to pay it right off.

That way it never gets higher then you can handle, you build up excellent credit, and they offer you higher limits.

linkinevo wrote:My plan:
Spen the 500 on the card.
Pay more than the minimun till this purchase is paid off. Then make another.
Well at least thats what my bank told me to do. I still haven't even activated the card yet.

How high is your rate?

We were approved for 500. But I'm not going to go ahead with the card I just got. It's CarCare Plus, I might try to get a Visa or MC though.

I got my capitol one card and have a 2500 limit on mine. The only thing I put on mine is my gas and I just pay it off when the bill comes....about 200 a month. I am only 21 but people think it is crazy that I can have such a high limit. But I guess paying a car off and paying my bill in full everytime(about 2 yrs worth now) helps a ton. Just please dont be stupid about it and make sure you have the money when your bill comes. Like one said, when you make a purchase just go ahead and set the money aside( savings account) that way you wont even see that money in your accoount.
-Brian

linkinevo wrote:We were approved for 500. But I'm not going to go ahead with the card I just got. It's CarCare Plus, I might try to get a Visa or MC though.

I meant your APR. Thinking that you can charge things, and pay them off slowly isn't a good idea. Not only will you be throwing away money, becuase of the sky high interest rate, but you are prone to charging more than you can afford the next month, hergo getting into big time debt, in a very short period of time.

BTW: Just paying your bill on or before time helps your credit score. I'm 20, and have a gas card through Discover (which is a hard credit card to get) and a another MasterCard with a $14,000 limit.

Be wise, if you can't afford it, don't buy it. If you keep thinking you can afford something with the credit card, but don't have the cash, well then don't even apply for a credit card.

Just trying to say, don't be a statistic. Stay out of debt!

~Amit