"Big up to all my haters" (ballinnn thread)

[nemean]

ok, you contradict yourself... you never went over your credit limit, but a $60 charge for a video game put you over your limit...

If you carry high balances on your cards... 50% of your credit limit or higher... it's going to keep your score lower (don't ask me why that is, but it is... ) judging by that fact that $60 put you over, you maintain a high credit card balance...

and why has it taken you a year to pay off an $800 tv on a credit card? how much have you actually paid for that tv now? I am guessing you have a pretty high interest rate too... especially now that the economy sucks and credit card companies are raising pretty much everyones rate... I just had a nice chat with capital one who I have had for 10 years and my interest rate was 6.99% and now due to the economy they've change pretty much everyone's to 22% variable (or something ridiculously as high).

BTW... even after having credit cards for 10 years, 2 houses with mortgages, cell phones etc all in my name and never having a late payment or over the limit (and I mean never, no $60 video game pushing me over)... I still have insufficient credit history... I have no idea when that goes away... I also haven't figured out how my credit score can fluctuate 100 points in a year with no changes made... but whatever... I have at least $50k of available credit... so who needs a bank loan?

You'll get there... it just takes time... but you should pay down that credit card and keep the balance at less than half

Right i had no job for about 2 months while trying to find a job and the card was at like 280.... so when they charged the 60 bucks it pushed the card over. but i called the capital one and gamefly and had it resolved.

Now im working fulltime again w/ very little bills so im just going to pay it off and maybe do like 1 or 2 gas tanks on it a month and then just use the money i make from work for everything else.

OH and i could have paid the TV off in maybe 2 months when i bought it while working at circuit city. but i got a 2 week notice that i was going to be laid off..... its a 0 intrest card for the next year, which is why i made regular payments on it... i thought paying something off quick was the bad way to up your credit...

[VWGirl]

Right i had no job for about 2 months while trying to find a job and the card was at like 280.... so when they charged the 60 bucks it pushed the card over. but i called the capital one and gamefly and had it resolved.

Now im working fulltime again w/ very little bills so im just going to pay it off and maybe do like 1 or 2 gas tanks on it a month and then just use the money i make from work for everything else.

OH and i could have paid the TV off in maybe 2 months when i bought it while working at circuit city. but i got a 2 week notice that i was going to be laid off..... its a 0 intrest card for the next year, which is why i made regular payments on it... i thought paying something off quick was the bad way to up your credit...

i don't know about the paying stuff off hurting your credit... and i leave stuff on 0 interest all the time... why not?

sorry bout the circuit city deal... i feel for you all glad you found a job though