Remember your first time?? 😀

[Appleman]

Use YNAB to budget and PIF. Will prevent you from creating new debt.

Also your goal score is below your current score...

[Anonymous]

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@Anonymous wrote:
Lol I thought you were referring to everything I apply for a new card, and wait for the little thing to spin around haha. Now that's scary. The cash back is more fun to me. Never nerve wracking.

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I thought so, too! haha

[someg33k]

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@Broke_Triathlete wrote:

I don't remember being anxious about it. Actually I was quite relieved. I was using someone else's money to pay for things that I wasn't liable if fraud occured. I remember having my bank account cleaned out because I used a debit card. It took a couple of weeks to get all of my money back. It was a nightmare!

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Had the same thing happen to us twice over the years. Have not paid with a debit card in longer than I can remember since getting burned like that.

True story here... the person that was using my debit card was actually stupid enough to purchase tickets to a concert and pick them up at "will call". Of course by then I had contacted my bank thus the police were waiting for the idiot when they showed up! LOL!! 

Had to testify against the person in court too.

[galahad15]

I PIF for most of my cashback cards (with the exception of my FNBO Amex, b/c the interest rate is already single-digits and super-low, as well as 2-3 others maybe); all of my 2% cashback cards are basically PIF to maximize rewards.  Admittedly, I was somewhat of a latecomer to the whole rewards cards trend, b/c for the longest time I was -- and still am, in a certain way -- primarily transfixed and fascinated with low APRs, whether they have rewards or not.

The first time I paid in full, on one of my cashback cards?  Hmm, that would prolly be within about the past year, since I didn't really get too serious about PIF until I acquired the three 2% cashback cards I currently have.  The others, such as the 1% rewards and other non-2% cashback cards, routinely carried a balance, up until recently (ETA:  not counting the cards with APRs greater than ~12% APR that were not already in a promotional period, which were also PIF).

[redpat]

I remember my first time I was 15 years old and I will never forget her name, Karen.  Lol! Oh the memories.....

[Anonymous]

I use YNAB to track my CC spending and PIF. It was a little weird at first to use credit instead of debit, but knowing I had the cash to back it up eased my mind.

[grillandwinemaster]

Indeed! I need to update my Sig. Maybe I'll even put up those cool looking credit cards everyone seems to have. 

[Anonymous]

I get paid to use my cards? Yes. This is great. Give me more rewards. All the rewards.

^ that was my first time. Considering borrowing money is something you usually need to pay for, doing it and getting a grace period is great. While also earning rewards. I haven't paid interest since I learned of the grace period early last year.

[willwar14]

LOL at this thread..

[grillandwinemaster]

What is Ynab??