A good big bad problem.

[Anonymous]

Congrats on your card scores! Great challenge, how to get the points. You have done well.

[IWOL]

What about using chargesmart to pay some bills like rent or car. You can pay pretty much any bill with them. The fees are like 2 ro 3% so not worth using to earn the rewards but might be worth it for the big sign up bonuses.

[toppers555]

Age is not an issue considering at 21 I was making 50k a year. Its all about spending habits. Doesn't seem like you have means to do MS, so if your in college would try tuition payment route. 

[Josh2942]

Don't feel bad it's just a couple hundred bucks. It's nothing major and is not the end of the world

[xsvspd]

Do any of your friends have a Square account? You can swipe for any amount and have them give you the cash back after it hits their account in a day or two. It'll cost 2.75%, but it might be worth it for the rewards.

[enharu]

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@xsvspd wrote:

Do any of your friends have a Square account? You can swipe for any amount and have them give you the cash back after it hits their account in a day or two. It'll cost 2.75%, but it might be worth it for the rewards.

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why not ask friends who operate their own businesses? that would be even better.

their merchant fees is most likely going to be less than that.

[newUser0]

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@enharu wrote:

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@xsvspd wrote:

Do any of your friends have a Square account? You can swipe for any amount and have them give you the cash back after it hits their account in a day or two. It'll cost 2.75%, but it might be worth it for the rewards.

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why not ask friends who operate their own businesses? that would be even better.

their merchant fees is most likely going to be less than that.

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But this amount has to be included in friends tax returns right? Easy way for you is MS

[enharu]

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@newUser0 wrote:

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@enharu wrote:

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@xsvspd wrote:

Do any of your friends have a Square account? You can swipe for any amount and have them give you the cash back after it hits their account in a day or two. It'll cost 2.75%, but it might be worth it for the rewards.

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why not ask friends who operate their own businesses? that would be even better.

their merchant fees is most likely going to be less than that.

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But this amount has to be included in friends tax returns right? Easy way for you is MS

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yes, it has to.

same thing for square really. your friend is still supposed to report that as income.

[indiolatino61]

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@AwwwYeee wrote:

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@DawgZ wrote:

Your in college, whenever you are out with your friends offer to pay the bill and them give you cash. Find friends who are about to go buy something expensive with cash and ask them if you can put it on your cards. Just pay the cards with the money you got from the friends.

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+1

Whenever I'm out with friends i pick up the bill so I can get the cash back hahah. But they don't mind. Have you ever heard of venmo? its similar to paypal. I just tell my friends to venmo on the spot and it'll be available in my bank account the next day and i just use that to pay off my bill.

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Never heard on Venmo...here I go to Google again...lol.

[indiolatino61]

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@NikoD wrote:

I let my mother put groceries, car repair, drug store etc. on mine because I can trust her to pay me back right away. It doesn't do anything for her but since she's my mom she's happy to help me out.

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I did this with my sister...lesson learned...!