Credit Cards

[LS2982]

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shadow2k wrote:

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jsickz32 wrote:

i opened 15 account whitin 3 months and just got a warning from barclays but thats it...

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He bribed Barclays not to shut the card down

[ryanbush]

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jsickz32 wrote:

you'll be alright as long as you dont let your utl raised alot. i opened 15 account whitin 3 months and just got a warning from barclays but thats it and 3 card were from amex. my utl is at 1% and has been all this past months.

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Just curious, what benefit do you see in having the AMEX green and PRG?  I just got the green and keep wondering if i should have went with the gold for the sign up bonus 

[jsickz32]

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ryanbush wrote:

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jsickz32 wrote:

you'll be alright as long as you dont let your utl raised alot. i opened 15 account whitin 3 months and just got a warning from barclays but thats it and 3 card were from amex. my utl is at 1% and has been all this past months.

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Just curious, what benefit do you see in having the AMEX green and PRG?  I just got the green and keep wondering if i should have went with the gold for the sign up bonus 

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i just wanted to have both thats it.

[ryanbush]

good answer! 

[jsickz32]

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ryanbush wrote:

good answer! 

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lol i mean i got 9 months to decide if i wanna pay the AFs for both but until then i like seeing green and goldpr on my wallet

[Uborrow-Upay]

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jeffj25 wrote:

That's the thing. How could it be a problem if I keep zero balances. Right? I mean wouldn't that show that I am responsible?

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No, it would not.

Being responsible means paying the nut on each card on time, every time.

Owing nothing means nothing in credit card world.  But if you're actually using those cards, and not just for a stick of gum every so often, and you're paying them off in full each and every month for a while,...then, that's something.

[ryanbush]

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jsickz32 wrote:

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ryanbush wrote:

good answer! 

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lol i mean i got 9 months to decide if i wanna pay the AFs for both but until then i like seeing green and goldpr on my wallet

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Hey i'm not judging... lol

[jnkp2001]

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Uborrow-Upay wrote:

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jeffj25 wrote:

That's the thing. How could it be a problem if I keep zero balances. Right? I mean wouldn't that show that I am responsible?

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No, it would not.

Being responsible means paying the nut on each card on time, every time.

Owing nothing means nothing in credit card world.  But if you're actually using those cards, and not just for a stick of gum every so often, and you're paying them off in full each and every month for a while,...then, that's something.

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Also, they LOVE interest.  Throwing them a bone every now and then(not paying them off completely every time, But alaways on time!), goes a long way in getting trust with your cards....

[maiden_girl]

I opened 6 new accounts in a 60 day period. I wouldn't worry now that you have them. It will affect your credit score now but after a few months to one year...the effects will have worn off.

[shadow2k]

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jnkp2001 wrote:

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Uborrow-Upay wrote:

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jeffj25 wrote:

That's the thing. How could it be a problem if I keep zero balances. Right? I mean wouldn't that show that I am responsible?

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No, it would not.

Being responsible means paying the nut on each card on time, every time.

Owing nothing means nothing in credit card world.  But if you're actually using those cards, and not just for a stick of gum every so often, and you're paying them off in full each and every month for a while,...then, that's something.

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Also, they LOVE interest.  Throwing them a bone every now and then(not paying them off completely every time, But alaways on time!), goes a long way in getting trust with your cards....

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Are you really encouraging someone to pay interest on a credit card?  

Please don't do that.  It's just...wrong.  The CC companies make money from the merchants every time you use their card.  They don't need to dig into your pockets for more.