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KOEI Warriors Lounge; Discuss what's on your mind.
Topic Started: Sat Mar 28, 2009 7:16 am (5,971,183 Views)
Mr. Kamikaze
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God of War
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my bank is starting to charge me $12 a month to maintain a bank account. Only way they won't charge me monthly is i I maintain a balance of at least $1,500

So...I might have to close my account cause, since I don't have a job or income, they'll just keep charging me for basically just having an account...
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Eni
BOOEH
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The first month I got my first credit card I went absolutely insane.

Never again. :tora:
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Deleted User
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oh i already have both a credit and debit card, credit cards are incredibly useful otherwise you'll have a difficult time building up credit, you jsut have to not treat it as an extra 5 grand per month (re: you just have to not be a frivelous spender) and pay off what you owe in a timely fashion

I put everything on my credit, then pay it off in a week or two, it just builds good credit which helps with loans and stuff
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dancingswan
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Who do you bank with Kami? That sounds pretty crazy.

If I got a credit card, my mom would kill me.
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Deleted User
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peopel not having credit cards just seems crazy to me
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Eni
BOOEH
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Credit cards are good for loans in the future, swan.
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UpInMahBubble
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Who you calling a cute prince?
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I don't have a credit card but I've still been building up a credit store by buying things on finance, like my Xbox One which I managed to pay off a good 4-5 months early.
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Mr. Kamikaze
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dancingswan
Mon Oct 5, 2015 1:27 am
Who do you bank with Kami? That sounds pretty crazy.

If I got a credit card, my mom would kill me.
bank of america

Its hard for me to get a credit card cause I don't have credit so no one wants to give me one...

Gamestop is offering me one though, and I am kinda tempted to take it and start building credit that way. I don't actually shop at Gamestop that often though...and getting used to using it for anything else is just dangerous in my hands.
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dancingswan
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I have a gas card which is technically establishing credit, but that's really it.

I just feel too irresponsible to carry a credit card around.
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Eni
BOOEH
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Get credit cards and then freeze them. :asia:
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Angelic Linca
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Blue Sunshine of Wei
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I tend to buy stuff upfront so I steer clear of credit cards. Only cards I use are my debit, and rewards cards for places I frequent a lot.
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Mr. Kamikaze
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dancingswan
Mon Oct 5, 2015 1:32 am
I just feel too irresponsible to carry a credit card around.
Same. I know how I am. I know once I get used to putting things on that credit card it'll just go downhill from there.

I don't trust myself.

But I know I need to establish credit somehow, so I may not have a choice.
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Fräulein
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full offense
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I buy everything using penny rolls.
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Wild Lion
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Legend
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Mr. Kamikaze
Mon Oct 5, 2015 1:26 am
my bank is starting to charge me $12 a month to maintain a bank account. Only way they won't charge me monthly is i I maintain a balance of at least $1,500

So...I might have to close my account cause, since I don't have a job or income, they'll just keep charging me for basically just having an account...
My friend banks with Suntrust and they're starting to do that too

I'm with the government credit union

You can't really build much credit without using a credit card, and these days you can't do anything without good credit.
Edited by Wild Lion, Mon Oct 5, 2015 1:34 am.
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Rance
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Yuki Oh. No.
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I have a debit card which I hardly ever use.
Edited by Rance, Mon Oct 5, 2015 1:35 am.
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dancingswan
Mon Oct 5, 2015 1:32 am
I have a gas card which is technically establishing credit, but that's really it.
thats adorable

I dont think you're giving yourself enough credit though, Swan, I think you'd be fine with one.

its really hard to go crazy with a credit card, like i know people with mental illnesses like hypermania that its really difficult for them to have a credit card, but those are specific circumstances.
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dancingswan
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I'm with Wells Fargo simply because that's where my mom banks.
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Angelic Linca
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Blue Sunshine of Wei
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Fräulein
Mon Oct 5, 2015 1:33 am
I buy everything using penny rolls.
Used to do that a lot when I was in high school. Carried a baggy full of nickels, dimes, and quarters, too.
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Eni
BOOEH
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LittleMonsterSakura
Mon Oct 5, 2015 1:35 am
Fräulein
Mon Oct 5, 2015 1:33 am
I buy everything using penny rolls.
Used to do that a lot when I was in high school. Carried a baggy full of nickels, dimes, and quarters, too.
Monsters. :asia:
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Mr. Kamikaze
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God of War
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Eni came to my rescue

Echo of Oryx was being a bitch, I was just about to quit. :D
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Deleted User
Deleted User

im with RBC which is the worst canadian bank to be with because there is i swear maybe tops 5 of them in all of canada i have to walk for miles past like 17 other banks just to deposit my tip checks its awful
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dancingswan
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Scottie
Mon Oct 5, 2015 1:35 am
thats adorable

I dont think you're giving yourself enough credit though, Swan, I think you'd be fine with one.
I try. :smugracia:

I mean I guess. I may get one in the near future, but since I'm so used to using my debit card I'd probably end up forgetting about the credit card.
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Angelic Linca
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Blue Sunshine of Wei
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I hate being paid every two weeks sometimes.
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Eni
BOOEH
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Mr. Kamikaze
Mon Oct 5, 2015 1:36 am
Eni came to my rescue

Echo of Oryx was being a bitch, I was just about to quit. :D
I need you alive so I can use you for higher level stuff. :smugracia:
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Mr. Kamikaze
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God of War
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I do have access to at least two different credit cards, my parents' cards. And I am never tempted to use them.

Maybe I'd be fine. Or maybe just seeing my name on it will make me a monster.
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