What is your credit card interest rate?

[KillahBee]

Zero, I am not interested in them at all.

not sure what age you are, but how do you expect to start building credit or how did you build your credit?

 

[rsnoble-im-back]

not sure what age you are, but how do you expect to start building credit or how did you build your credit?

I'm 35 and have exc. credit. See I had several credit cards and payed them all off thru a refinance several years ago and have a fairly large line of credit on the place if need be, much better rates. So.........if you want to build credit go for it, but treat them with respect. A lot. They can ruin your life, one of my brothers owes over 60k on them and has been tied up in bankruprtcy for almost 2 years now. Part party party--they are NOT for that purpose, however Citibanks slogan of "Live Richly" will make you suspect otherwise. They profit most from your fuckups, and are just waiting for you to fall into this trap. I get between 10-20 offers a week, mostly from Capital1.

 

[KillahBee]

I'm 35 and have exc. credit. See I had several credit cards and payed them all off thru a refinance several years ago and have a fairly large line of credit on the place if need be, much better rates. So.........if you want to build credit go for it, but treat them with respect. A lot. They can ruin your life, one of my brothers owes over 60k on them and has been tied up in bankruprtcy for almost 2 years now. Part party party--they are NOT for that purpose, however Citibanks slogan of "Live Richly" will make you suspect otherwise. They profit most from your fuckups, and are just waiting for you to fall into this trap. I get between 10-20 offers a week, mostly from Capital1.

Oh, I thought you meant you never had any in the first place. I hear ya bro, it's a lesson many of us learn the hard way. Luckily I didn't get in too deep before I grew up, but there are many that won't learn until it's almost too late.

 

[Smurfy]

NO balances on my CCs right now.

 

[Spartacus]

3.9% on the one I carry a balance
american express too

 

[from zero]

I don't understand people with credit card debt.
I mean, if that's not the epitome of being fucking dumb, I don't know what is.

 

[RottenWillow]

I've got fixed 10.9 on my one major cc, but the rate is really moot though since I always, with only rare exceptions, pay off my purchases by the end of the billing cycle.

 

[rsnoble-im-back]

3.9% on the one I carry a balance
american express too

If I were to get a cc, this would be the one.

 

[Spartacus]

4% isn't shit
interest on 10,000 is about 30.00 a month

 

[zer0_cool]

How the fuck did you just buy a car?

mommy and daddy?