View Full Version : New furniture time...
..fittin to go to ashleys and grab a sectional and a recliner. Word. Gonna clear 3 stacks this check. Holla atcha boy
man thats on my life... im in mid michigan... me and my girl have a total of around 100k cash... thats literally cash no loan... I have an above average score I'm like 800.. my girl is horrible because of she had some rent in college and places like that didn't do so well.
I have no idea why i'm so good, on the record i've only rented few places... all payed on time and all was good. But I opened up a ton of credit cards this last 4 months and what I do is I just use them for like 20$ a month and pay them off quickly, but my credit score dropped. My mom told me that how credit score works if you open up a bunch of credit quickly even if you pay it off perfect on time. They see you opened it up too quick, and too many things at one time.
so I dropped... but me and my girl have around 100k cash.. to get better we could get a loan.. I couldn't... but she could for a cheap like 30k I would guess.. but after that like what you're saying i'm trying to figure out.. how about decorating that shit... we don't have beds.. we have a few like... run running rugs, a few lamps... some nice plates/silverware but not enough
no couches... we've got 2 tv's... but you get what im saying... shit is going to cost a lot.. like ... bedspreads pillows.little stands.. shit like that.. things you dont realize when you're young that cost money..
I just went to zillow to show you what we were looking at but it went away... must've got sold and they're fucking manufactured homes... like they're mad nice and shit but they're fucking manufactured homes
Its not.good to pay ur CCs off. As long as your making payments every month ur credit is going up. If there payed off then there is no credit gain. Thats how that works rich guy
I owe nothing on my CC's I only opened them up to boost my credit score
i've got 2 pnc cards and thats where I bank with my money
pnc cash rewards 1k limit
pnc core 1k limit
discover card 4k limiti no apr until april of next year
capital one only 500$ limit lol
and another that is 10k
and suck my dick rich guy... thats how it i15s.. I randomly use all of them for like 15$ a month, come home and pay them off the next day to boost my score, but what I didn't realize is that if you take that many CC's out in a short period of time it goes against you
barking up the wrong tree fuck you and yo couch nigga
Sharp
10-21-2019, 09:34 AM
Good shit geno
I'm also looking to get new furniture. Thinking about a sectional and ottoman
Be sure to post pics of your new den
and suck my dick rich guy... thats how it i15s.. I randomly use all of them for like 15$ a month, come home and pay them off the next day to boost my score, but what I didn't realize is that if you take that many CC's out in a short period of time it goes against you
No, you fucking moron. Paying them off does not boost your score you fucking imbecile. What i am saying is paying them off does the opposite. Keeping a balance and making monthly payments is what boosts ur score. Your obviously full of shit because you hve no idea wtf your talking about. Probably dont even have an open checking account and owe for over drafts. Broke ass nigga. Gtfoh
right how do I put my stack up...
bitch ass nigga dont even tlk the wrong one..... i';l post this shit
Diode
10-21-2019, 11:58 AM
No, you fucking moron. Paying them off does not boost your score you fucking imbecile. What i am saying is paying them off does the opposite. Keeping a balance and making monthly payments is what boosts ur score. Your obviously full of shit because you hve no idea wtf your talking about. Probably dont even have an open checking account and owe for over drafts. Broke ass nigga. Gtfoh
this is the dumbest thing you've said yet.
keeping a balance means paying interest. you're losing money, idiot.
pay your balance in full every month unless you're on a 0% interest rate.
smh.
uh-oh
10-21-2019, 12:29 PM
I'm 30 and still have no idea what credit is
smh i'm out here tryna expect you to understand financial elites are destroying the planet & you dunno what credit is.
bitch ass nigga dont even tlk the wrong one..... i';l post this shit
Nigga now u gotta post it
this is the dumbest thing you've said yet.
keeping a balance means paying interest. you're losing money, idiot.
pay your balance in full every month unless you're on a 0% interest rate.
smh.
This is not.true. you cant build.credit.if.your cresit cards are payed off..you may as well not have any credit cards then. Anyone will.tell you that to build credit.you do not.fully pay your cards off every month
Sharp
10-22-2019, 09:15 AM
I have literally never heard that
ouch is saying pay the entire balance right away to build credit
geno is saying make your full monthly payments to build credit
diode saying keeping a balance means you pay interest, which is true, but obviously anyone that uses their credit card for something is going to take time to pay it off, which obviously means paying some interest.
geno was not saying to extend your payments as long as possible, only to pay your payments to build credit as opposed to paying it all off right away which wouldn't build credit
Ghost1
10-22-2019, 04:22 PM
And ghost1 is saying whoever live close to ouch should rob him tho
what im saying is.. I got a bank account...8k in it on average... PNC
I have 2 pnc credit card accounts... 1k each
all of the sudden I got flooded with credit card offers.. and me being someone who grew up poor and not knowing about it, I applied online for all of them.
now I have discover card 4k limit 0% apr until april of next year
captial one still only $500 and another one for 10k limit.
I use each one of those cards for like... 17$ at taco bell... 32$ at shell for booze... and I pay it off the next day, I didn't realize that if you opened up a bunch of accounts in a short period of time it drops ya credit score
and to get the cards of course I lied... when I filled the forms out it was like.. how much do you expect to make in the next year I put like 109k... what do you do for a living... self employed private contractor.. then they came in the mail...but again I was only doing that to boost my credit score because in the future I might need it to be a real person
And ghost1 is saying whoever live close to ouch should rob him tho
sounds good i'll give my address, make sure when you come to rob me you bring a lot of money with you
Diode
10-23-2019, 09:12 AM
ouch is saying pay the entire balance right away to build credit
geno is saying make your full monthly payments to build credit
diode saying keeping a balance means you pay interest, which is true, but obviously anyone that uses their credit card for something is going to take time to pay it off, which obviously means paying some interest.
geno was not saying to extend your payments as long as possible, only to pay your payments to build credit as opposed to paying it all off right away which wouldn't build credit
no. i and everyone else with a stable income using credit cards for their rewards and bonuses and pay them off in full every month. which raises your credit score considerably more than keeping a balance. the point of good credit is to show you can pay off your debts.
paying it off all right away is exactly the best way to build credit.
no. i and everyone else with a stable income using credit cards for their rewards and bonuses and pay them off in full every month. which raises your credit score considerably more than keeping a balance. the point of good credit is to show you can pay off your debts.
paying it off all right away is exactly the best way to build credit.
if i have a credit card and i use it to buy $300 worth of shit and i pay that $300 in full the next day that's going to raise my credit more than paying the monthly balance?
and why do I care about my credit score... because even though i'm an adult.. i'm not a a very irresponsible one.. and soi I plan on being a responsible adult in the future that cridit score matters... it may be a far off thing... but I strive for it and I believe it will happen
and also if things turn bad i'll run up that 20k in credit in shitty weekly motel bills and do all that if I have to... im not guessing that will happen but if it does.. fuck it im running all those credit cards
Pharaohs Army
10-23-2019, 10:42 PM
no offense Geno but I don't know what planet you're on in this thread.
Diode
10-24-2019, 04:14 PM
if i have a credit card and i use it to buy $300 worth of shit and i pay that $300 in full the next day that's going to raise my credit more than paying the monthly balance?
not the next day, but when the balance is due. that's literally the concept of credit.
"i will float you this money for x period of time but you have to pay it back by then or i start charging interest. and if you don't pay it back then i will tell everyone you can't be trusted as a credit/loan candidate"
uh-oh
10-24-2019, 05:48 PM
my credit score is 569
tagger show yourself coward
Blue Bayou
10-24-2019, 05:54 PM
this is the dumbest thing you've said yet.
keeping a balance means paying interest. you're losing money, idiot.
pay your balance in full every month unless you're on a 0% interest rate.
smh.
QFE
Blue Bayou
10-24-2019, 05:56 PM
I'm 30 and still have no idea what credit is
Never change James
Sharp
10-24-2019, 06:02 PM
my credit score is 569
tagger show yourself coward
Hey
Good shit though
not the next day, but when the balance is due. that's literally the concept of credit.
"i will float you this money for x period of time but you have to pay it back by then or i start charging interest. and if you don't pay it back then i will tell everyone you can't be trusted as a credit/loan candidate"
but i literally explained that ouch was talking about paying it off the next day
and geno was talking about paying it when the balance is due
Word what i was saying what basically what you said. Dont pay it off in full. Pay the monthly minimums if your goal is to build credit. If you need the cards full potential available at all times then pay it off obv. But to build credit.. No
Oh ya.... Omw to slumberland. They got a 30% off sale going plus another 10% off items on sale. So 40% off. Gonna slide through factory direct as well and see whats crackin. Ashleys is the closest spot so ill holla at them omw back
uh-oh
10-25-2019, 01:01 PM
but yo
credit is a design by the jew to keep yall down
don't buy into it
what do you need credit for? a house? rent one. a car? buy one.
just put money back and bury it in your yard
economics 101
Diode
10-25-2019, 04:44 PM
but i literally explained that ouch was talking about paying it off the next day
and geno was talking about paying it when the balance is due
no, geno is talking about keeping a continuous unpaid balance. not paying it off in full every month.
Diode
10-25-2019, 04:44 PM
Dont pay it off in full. Pay the monthly minimums if your goal is to build credit.
this is outright wrong.
BUT WHAT WOULD I KNOW ABOUT MONEY ANYWAY
but yo
credit is a design by the jew to keep yall down
don't buy into it
what do you need credit for? a house? rent one. a car? buy one.
just put money back and bury it in your yard
economics 101
If I didn’t have kids this is how I’d live fuck all of you
Blue Bayou
10-25-2019, 05:46 PM
Gooooooone at just ride out monthly min payments
Use your credit card for all purchases every month, everything, to earn points (whatever specific card you may have). Let's use the example of $2000 per month, but then pay it off in full before due date when interest accrues
Rinse and repeat
Your actively using your credit, building your credit in the best way possible without paying tons of interest (which you will by paying only the minimum), all while earning tons of points
Diode
10-25-2019, 05:59 PM
Gooooooone at just ride out monthly min payments
Use your credit card for all purchases every month, everything, to earn points (whatever specific card you may have). Let's use the example of $2000 per month, but then pay it off in full before due date when interest accrues
Rinse and repeat
Your actively using your credit, building your credit in the best way possible without paying tons of interest (which you will by paying only the minimum), all while earning tons of points
^ this
diode bet me on something
The couch, and matching ottoman obv..
https://imgur.com/a/PQBXOot
thats alright Genocide ... shit looks kinda dirty but if ya in a small place the wrap around thing is dope.. I don't know at what point you are in ya life or where you live which would have to do with the space ya working with... looks kinda ratty though and I don't live in a nice place but a lil better than that
and Diode quit playing me, not answering me and stuff from that movie can't remember what it is but its like "King on the hill king on the hill."
I grew up in a poor family, that had enough... but sometimes not enough I had the internet, thats how I talked to you lames.. dont take any offense none meant. Me and my syblings got bought new clothes every year.. nike shoes new every year for basketball season etc
we ate fine... and i'm guessing and projectecting on you I doubt we grew up in the same neighborhoods... but everything was fine we had everything we needed for the most part and better than most of everyone who was around us....
bought cars in cash, when we had a car...no credit involved so i'm realizing what credit is now... thats why I took all those cards out and I use each one of them and pay em off quick..... I just learned that I fucked up because taking a bunch out in a certain span of time lowers it
but yo
credit is a design by the jew to keep yall down
don't buy into it
what do you need credit for? a house? rent one. a car? buy one.
just put money back and bury it in your yard
economics 101
thats what my family always did and what i've always done too... minus the bury it in the backyard... my family (when I was younger)... got a car 2 grand for an old cutlass that'll last you 5 years from someone you know... no credit needed... but now we're in different times and i'm trying to set myself up for better.... 99% of these clowns with 30k cars arent driving them because they paid it in cash, they're paying 300$ a month... which is a lot to me, and they were able to do that because of good credit
thats why credit is important
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