I GOT A VISA CARD TODAY! =D

[Anaisa]

I've got a master card which I never use. An I keep getting junk mail saying "we see you haven't used your master card yet". I find the better my credit gets, the more junk mail I get. I get at least three loan offers a week at the moment, an it's starting to annoy me.

[rubah]

You can get free or very cheap credit reports at a lot of places, but the more times you get your credit checked, the worse it becomes. I'm not entirely sure why that is, but everyone tells me not to have my credit checked unless I absolutely have to.

It seems like companies recommend you do it annually to make sure you aren't falling victim to identity theft. Maybe your everyone is trying to steal your identity

[Tempest]

Credit cards are the devil. It's exciting but, just be careful with them. The last thing you want is to be in debt.

[lovehurts]

All I have is cash , good luck with that plastic.

[Shlup]

I applied for a VISA the other day when my husband and I opened a joint account at the bank. The one I already have is under my mom, so it doesn't get me any credit.

[RSL]

You don't want to be checking your credit report every week. That will look bad. Once a year won't hurt anything, likely.

Bascially, the more times your credit report is looked at, for whatever reason, the more it will look like you are desperate for money or credit. This makes the lenders less likely to want to give you money, or credit.

I don't know if I explained that very well, but Miriel is right.

[Kirobaito]

I have a Visa with a $600 credit limit. My parents pay it, and I only use it to pick up Peanut from the vet, where the bills were $100+.

My parents have almost perfect credit. They own about 6 credit cards, one of which has like a $20,000 credit limit.

[Avarice-ness]

I have a capital one card, which has like a 2500 limit on it, which is nice =) but I just bought a car, so now I'm in debt up to my eyeballs

xD Yeah this is my first and the limit is 900.
I have alot of non mainstream credit cards but this one's the largest 'cept for my Best Buy because it had a 1000$ limit. xD

I know all about credit so you guys don't have to worry. The reason I have such a high starters limit is because I normally pay my bills off a month early, even my dad said he knew I could handle a 900 dollar limit. =D

I have a Visa with a $600 credit limit. My parents pay it, and I only use it to pick up Peanut from the vet, where the bills were $100+.

My parents have almost perfect credit. They own about 6 credit cards, one of which has like a $20,000 credit limit.

Yeah when my parents were together my dad said they had basically an unlimited limit, but that's prolly 'cause we had a heck of alot of money when I was growing up, My uncles credit is so good he gets the penthouse when he goes to ceasers palace and has no limits at the craps tables. xD I'm just afraid of not having any money, which is always a good way to have credit because I constantly pay on them.

[bipper]

Congratulations - you are not contributing to one of the dirtiest and robust monopolies. One that makes Micro$oft look like the red cross.

Congrats though! Just be careful and be adament about paying your bills. Credit cards, like cell phones [etc] actually base thier buisness model on having people fail. They like failures.

Myself? I refuse credit. Minus that of a Car payment and a house payment, I really see credit as a bad economic tool designed make the rich richer at the expence of our children. Damn it greed...

Bipper

[Mirage]

My Visa is debit. I can't use more than what I have. It's reassuring.

[Avarice-ness]

Damn it greed...

Bipper

Huh? What'd I do? OHHH You mean the sin.

Yeah see, I come from one of those families that gain from... economical issues. My family built themselves on the Oil Field since my grandfather, so really the higher the gas prices the more money we make. =D? We're not really 'rich' any more though, My dad got out of the oil business when the crash in the 90's hit and now we're all getting back into it, seeing my family go bankrupt is why I'm -very- careful with my credit, I have 4 bills I pay on right now and I pay them way ahead of time.
Although... I'm going to go on a shopping spree this weekend. My dad was laughing at me and was all "I remember when I abused my first credit card" and then was all "Please, -PLEASE- be gentle with it, don't go buying 300 things in a day." which makes me laugh because like my familys freaking out because all though I can handle the money, which they know, they also know I like to buy big things! Like.... AN X-BOX 360! My dad said I could have one as long as I paid half in cash and half with credit. *spins*

[starseeker]

I can get a debit card when I'm 16, and them I can go internet shoppping and won't have to explain things to my dad. (3 more weeks).

[Endless]

Eww, credit. Debit ftw
I have a Visa too, for international purchases (Amazon, traveling) and stores consider it a credit card, but for all intent and purposes, my account gets debited a couple days after the purchase.

[Xander]

Yeah, I don't use credit cards, seems silly to me spending money you don't have.. I love my debit card for buying stuff online and probably spend too much sometimes but always seem to have enough at the moment for what I need so, it's ok! Couldn't live without being able to buy stuff online though xD

[Loony BoB]

Congratulations on getting a card that will in the end cause you many stressful months as you try to pay off your immense debt.