Do you have a credit card?

[Belumoth]

Just applied for my first one and was approved.

I'm getting the Discover IT.

What credit card do you have? What is your APR? credit limit?

just got it today.

24.99% after 14 months of 0% $4000 credit line

 

[Violent]

11.9% to 20.5%

Mastercard

 

[Busta305]

Don't have any "credit" cards, just 2 charge cards plus best buy and amazon credit cards, they have 0 apr if paid in full by 6-24 months depends on what you buy.

 

[Xier0]

I have one that I only use for online payments, or an emergency. I don't buy anything on credit I can't afford.

 

[mik3 0wnag3]

I also have 2 emergency cards. Both have around a 2k limit each. Rate is 0% for 12 months then 17.99% and 20.99% each

 

[TJOC]

No. I keep debit cards. If there isn't money in my bank to buy something, I'm not going to buy it. Realy hate I even signed up for PayPal billmelater. Need to cancel that thing.

 

Nothing I hate more than being in debt. Only use debit cards for that reason. Don't get carried away

 

[Cas]

Creditcards are literally the biggest waste of money you could possibly use.
Why spend money you don't have?

Just got a bankcard, which costs ~1-2 euro/month and no transaction fees.

 

[Busta305]

Creditcards are literally the biggest waste of money you could possibly use.
Why spend money you don't have?

Just got a bankcard, which costs ~1-2 euro/month and no transaction fees.

Reward credit cards are great if you can manage your spending.

 

[Smaug]

I have 1 its first premier CC with like a 600$ limit lol no credit history for me heheh but im doing good with it.

 

Owning a credit card is only bad if you don't know how to manage your money. Credit cards are a lot more secure than using a debit card every where you shop. I currently own one credit card with a $4,000 limit. Not sure what the fees are because I've never had the chance to pay them.

 

[TKDAOD1]

I have a debit card.

 

[Ow 3 Hit]

Refuse to get CC's - debit cards are a lot better for me.

I spend too much, and if I have nothing to spend and I'm spending then I'm a retard.

 

I have debit and credit. Currently on a PC MasterCard.

 

[Steingraber]

I have both. I only put large charges on my credit card and put small charges on my debit card. Usually, I don't make large purchases though! Debit cards are safe.

 

[Belumoth]

like str8 said, if you can't manage your spending then credit cards are a bad idea for you. But they are great at helping build your credit.

 

Indeed - credit cards are great for your future. However you shouldn't even be concerned about the APR - always pay off your debt! Otherwise it's not great...

I have two different American Express cards - one through my bank and another via American Express directly along with a Mastercard for the cheaper merchants who don't accept AMEX.

 

[Kqx legit]

Visa