My lovely credit card... - GoFuckYourself.com

Sly_RJ · 09-10-2003, 01:35 PM

When I was a senior in high school I wanted another credit card besides my bank issued card. So I find this card online, Next Card, looks pretty decent so I joined. Started out at $1k, after a couple months they raised it to $1.4k. Sweet deal.

About 2 years ago, Next Card goes out of business and sells all their accounts to another company called My Merrick. My new card gets issued, doesn't really phase me because I never really used the card.

Couple months ago I needed to take some last minute trips to see family, friends, etc. So I figured what the hell, I'll just charge everything. Charged. Probably about $800, not that big of a deal. So right now I'm sitting here looking through my statements and about fell over laughing.

Balance for August: $733
Bill paid in August: $30
New balance: $730

I had $27 in standard fees! No late fees, nothing! They're charging me $10 a month just to have the damn thing, and then 29% annually!

Time to dump My Merrick. I want to pay it off over the next 3-4 months, should I transfer my balance to a new card with a lower APR? Or should I stick with this card and work it off?

EscortBiz · 09-10-2003, 01:37 PM

pay it off at once

Amputate Your Head · 09-10-2003, 01:37 PM

dump that shit man... if your credit is good, there's no reason on earth to pay fees like that.

angeleyes · 09-10-2003, 02:27 PM

BANK ONE credit cards rock.

Sly_RJ · 09-10-2003, 02:29 PM

Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates?

I already have Discover, Wells Fargo, and another bank issued business card.

deniska · 09-10-2003, 02:30 PM

Quote:

Originally posted by EscortBiz
pay it off at once

What he sad.. No point to pay fees for such a small balance

aflex · 09-10-2003, 02:34 PM

i'm in the same boat as Sly RJ..

bull shit fees

Chris · 09-10-2003, 02:35 PM

get visa

ytcracker · 09-10-2003, 02:35 PM

i have a providian card they give me no issues.

i seriously recommend like everyone else here just pay that shit off ASAP. carrying a balance sucks.

SleazyDream · 09-10-2003, 02:36 PM

credit cards charge interest?

didn't know that - i always pay mine off at the end of the month

sweetcuties · 09-10-2003, 02:36 PM

Why do you have a credit card? Get a debit card and don't buy shit unless you pay cash

Ross · 09-10-2003, 02:38 PM

Mastercard

Interest free for 6 months after getting it!

Butrflied · 09-10-2003, 02:44 PM

I highly recommend MBNA .. somebody stole my SSN from me (employer sent me a direct deposit stub, and I had moved .. somebody in my complex had the same name as me .. so the mail guy took the liberty of giving her my info) Anyways .. She applied to MBNA and Capital One. Capital One issued this girl a credit card, where MBNA called me and said that somebody was trying to apply but the birthday and Mother's maiden name didnt match up. So .. if it wasn't for MBNA, I would've never found out.

On that note, I will never get a card from Capital One, I don't trust them, eventhough they took care of the problem quickly, I'm still not interested.

lexr · 09-10-2003, 07:42 PM

Quote:

Originally posted by sweetcuties
Why do you have a credit card? Get a debit card and don't buy shit unless you pay cash

Debit cards won't build a credit history.

MuleScrote · 09-10-2003, 07:44 PM

Quote:

Originally posted by Sly_RJ
Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates?

I already have Discover, Wells Fargo, and another bank issued business card.

Capital One has treated me very well

Sly_RJ · 09-10-2003, 07:45 PM

Quote:

Originally posted by lexr

Debit cards won't build a credit history.

Exactly. I have good credit for a reason.

Plus, why not have a credit card? If you use them properly, they're like loans. You can easily use them to build your business. Ever hear of a credit line? This time I wasn't paying attention, it's not that big of a deal. I still made my payments, the credit bureaus love that...

beemk · 09-10-2003, 07:47 PM

Quote:

Originally posted by angeleyes
BANK ONE credit cards rock.

word. i work for a promotion company part time getting them to sign up for bank one cards. the one i promote is 0% first year interest, no annual fee, and you get 1% worth of gift cert's for the $ you spend. you cant beat it.

OFFBEAT · 09-10-2003, 08:24 PM

IM WAITING FOR MY BLACK AMERICAN EXPRESS INVITATION TO ARRIVE IN THE MAIL ANY DAY NOW..

grogan · 09-10-2003, 08:29 PM

Quote:

Originally posted by Sly_RJ
When I was a senior in high school I wanted another credit card besides my bank issued card. So I find this card online, Next Card, looks pretty decent so I joined. Started out at $1k, after a couple months they raised it to $1.4k. Sweet deal.

About 2 years ago, Next Card goes out of business and sells all their accounts to another company called My Merrick. My new card gets issued, doesn't really phase me because I never really used the card.

Couple months ago I needed to take some last minute trips to see family, friends, etc. So I figured what the hell, I'll just charge everything. Charged. Probably about $800, not that big of a deal. So right now I'm sitting here looking through my statements and about fell over laughing.

Balance for August: $733
Bill paid in August: $30
New balance: $730

I had $27 in standard fees! No late fees, nothing! They're charging me $10 a month just to have the damn thing, and then 29% annually!

Time to dump My Merrick. I want to pay it off over the next 3-4 months, should I transfer my balance to a new card with a lower APR? Or should I stick with this card and work it off?

over the next few months?

shouldn't you stop posting and work? (11,000ish)

Sly_RJ · 09-10-2003, 08:34 PM

Quote:

Originally posted by grogan

over the next few months?

shouldn't you stop posting and work? (11,000ish)

Nah, I like living in my parents basement. Free food, can't beat it!

NemesisEnforcer · 09-10-2003, 08:49 PM

http://www.bankrate.com/brm/howdoi/howdoicc.asp

Quote:

Originally posted by Sly_RJ
Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates?

I already have Discover, Wells Fargo, and another bank issued business card.

Rictor · 09-10-2003, 09:29 PM

29%!?!? Geezus.

And I was pissed when my "fixed" rates went up 1% this month on some cards I don't even use.

I have been getting some better fixed interest rates lately, like 0% for a year and then 8.9% fixed after that, which isn't bad.

They still make a killing at that rate though.

Rictor · 09-10-2003, 09:32 PM

I charged $30k on my VISA last year and paid off $30k. They hate me for paying it off, I'm sure. Every time I sent them a payment, they'd send me a letter asking why I was leaving them for another credit card company (assuming I was transferring balances, I guess). I'm done messing with credit now except in an emergency though. It doesn't make any sense to get in debt like that.

09-10-2003, 01:35 PM	#1
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	My lovely credit card... When I was a senior in high school I wanted another credit card besides my bank issued card. So I find this card online, Next Card, looks pretty decent so I joined. Started out at $1k, after a couple months they raised it to $1.4k. Sweet deal. About 2 years ago, Next Card goes out of business and sells all their accounts to another company called My Merrick. My new card gets issued, doesn't really phase me because I never really used the card. Couple months ago I needed to take some last minute trips to see family, friends, etc. So I figured what the hell, I'll just charge everything. Charged. Probably about $800, not that big of a deal. So right now I'm sitting here looking through my statements and about fell over laughing. Balance for August: $733 Bill paid in August: $30 New balance: $730 I had $27 in standard fees! No late fees, nothing! They're charging me $10 a month just to have the damn thing, and then 29% annually! Time to dump My Merrick. I want to pay it off over the next 3-4 months, should I transfer my balance to a new card with a lower APR? Or should I stick with this card and work it off? __________________ PHAT SERVERS - Quality dedicated hosting at a quality price! sly AT phatservers DOT com - 147479144

09-10-2003, 01:37 PM	#2
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09-10-2003, 01:37 PM	#3
Amputate Your Head There can be only one Industry Role: Join Date: Aug 2001 Location: Somewhere else Posts: 39,075	dump that shit man... if your credit is good, there's no reason on earth to pay fees like that. __________________ SIG TOO BIG

09-10-2003, 02:27 PM	#4
angeleyes Confirmed User Join Date: Feb 2003 Location: Wandering around FL using random Wireless Connections Posts: 3,584	BANK ONE credit cards rock. __________________ Need a Writer? Contact Me. I write quality descriptions, short erotic stories, quality one-liners.. whatever you need.

09-10-2003, 02:29 PM	#5
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	Any recommendations on who to switch over to? I'm looking at Chase and American Express, wouldn't mind a Blue card. Know any special introductory rates? I already have Discover, Wells Fargo, and another bank issued business card. __________________ PHAT SERVERS - Quality dedicated hosting at a quality price! sly AT phatservers DOT com - 147479144

09-10-2003, 02:34 PM	#7
aflex Confirmed User Join Date: Oct 2002 Location: New Jersey - adaptweb at gmail.com Posts: 3,127	i'm in the same boat as Sly RJ.. bull shit fees __________________ self made mothafucka. buying premium domains & developed sites with revenue/traffic -> adaptweb at gmail.com

09-10-2003, 02:35 PM	#8
Chris Too lazy to set a custom title Industry Role: Join Date: May 2003 Location: icq: 71462500 Skype: Jupzchris Posts: 27,880	get visa __________________ [email protected]

09-10-2003, 02:35 PM	#9
ytcracker stc is the greatest Join Date: Dec 2002 Location: rip sean murray Posts: 12,403	i have a providian card they give me no issues. i seriously recommend like everyone else here just pay that shit off ASAP. carrying a balance sucks. __________________ www.ytcracker.com \| www.digitalgangster.com i love you

09-10-2003, 02:36 PM	#10
SleazyDream I'm here for SPORT Industry Role: Join Date: Jul 2001 Location: Phone # (401) 285-0696 Posts: 41,470	credit cards charge interest? didn't know that - i always pay mine off at the end of the month __________________ This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog! Now read without the word dog.

09-10-2003, 02:36 PM	#11
sweetcuties Confirmed User Join Date: Feb 2002 Location: Somewhere Posts: 5,859	Why do you have a credit card? Get a debit card and don't buy shit unless you pay cash __________________

09-10-2003, 02:38 PM	#12
Ross Ik ben een aap Industry Role: Join Date: Sep 2002 Location: Traffic Force Towers, Canada! Posts: 18,874	Mastercard Interest free for 6 months after getting it!

09-10-2003, 02:44 PM	#13
Butrflied Confirmed User Join Date: Aug 2002 Location: SoFLa Posts: 1,344	I highly recommend MBNA .. somebody stole my SSN from me (employer sent me a direct deposit stub, and I had moved .. somebody in my complex had the same name as me .. so the mail guy took the liberty of giving her my info) Anyways .. She applied to MBNA and Capital One. Capital One issued this girl a credit card, where MBNA called me and said that somebody was trying to apply but the birthday and Mother's maiden name didnt match up. So .. if it wasn't for MBNA, I would've never found out. On that note, I will never get a card from Capital One, I don't trust them, eventhough they took care of the problem quickly, I'm still not interested. __________________ ~Butrflied~

09-10-2003, 08:24 PM	#18
OFFBEAT Confirmed User Join Date: Jul 2003 Location: Los Angeles, CA, US Posts: 398	IM WAITING FOR MY BLACK AMERICAN EXPRESS INVITATION TO ARRIVE IN THE MAIL ANY DAY NOW..

09-10-2003, 09:29 PM	#22
Rictor Old Timer Industry Role: Join Date: Jan 2001 Location: Indianapolis Posts: 12,208	29%!?!? Geezus. And I was pissed when my "fixed" rates went up 1% this month on some cards I don't even use. I have been getting some better fixed interest rates lately, like 0% for a year and then 8.9% fixed after that, which isn't bad. They still make a killing at that rate though.

09-10-2003, 09:32 PM	#23
Rictor Old Timer Industry Role: Join Date: Jan 2001 Location: Indianapolis Posts: 12,208	I charged $30k on my VISA last year and paid off $30k. They hate me for paying it off, I'm sure. Every time I sent them a payment, they'd send me a letter asking why I was leaving them for another credit card company (assuming I was transferring balances, I guess). I'm done messing with credit now except in an emergency though. It doesn't make any sense to get in debt like that.