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12-09-2008, 11:37 PM
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#26 | | Rs has made me the man i am today!
Join Date: Apr 2001 Location: richmond
Posts: 3,009
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Why the heck would you do a friggin cash advance? Go to the casino and buy a gift card and put all the money you want on it. Then go to the cashier and withdraw the money from the gift card. That is registered as a purchase on your VISA, not a cash withdrawal. haha, just try to NOT gamble all the money away as you're walking through the casino.
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Brickyard '03 350z
Roll That Shit, Light That Shit, Smoke That Shit! Quote:
(told to me by the stupidest person in the world)...
'Yeah, i've been to taco time before, but i got in trouble...I had a Mexican girlfriend who wanted to go to a mexican restaurant for our anniversery, so i took her to Taco Time"
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12-10-2008, 07:45 AM
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#27 | | Willing to sell a family member for a few minutes on RS
Join Date: Feb 2005 Location: Surrey
Posts: 12,759
Thanked 689 Times in 376 Posts
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Originally Posted by 3seriesBeeM  i put everything on your credit card and than pay it off every month the credit card will do wonders for you get approved for anyhting and make you money in the end | 
I charge everything to my credit card and pay it all of at the end of the month. Don't buy shit if you can't pay it back at the end of the month. Also I have a rebate rewards card so I get 1% back. Not much but still better then getting nothing. The people who say credit cards are bad are the ones that can't control their spending habits. Its all about self control.  | |
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02-18-2009, 12:30 PM
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#28 | | Wunder? Wonder?? Wander???
Join Date: Aug 2007 Location: vancouver
Posts: 202
Thanked 9 Times in 6 Posts
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Hey...I need like 6bills for my tattoo, I wont have money till probably a week or two after my appointment. Would cash advance from my credit still be a bad idea if i plan to pay it off within 3weeks of borrowing it? If I was going to the bank for a loan?what would I tell them lol
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02-18-2009, 12:34 PM
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#29 | | I Will not Admit my Addiction to RS
Join Date: Dec 2008 Location: Vancouver
Posts: 522
Thanked 16 Times in 3 Posts
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Originally Posted by dhawes Hey...I need like 6bills for my tattoo, I wont have money till probably a week or two after my appointment. Would cash advance from my credit still be a bad idea if i plan to pay it off within 3weeks of borrowing it? If I was going to the bank for a loan?what would I tell them lol | If you really are gonna pay it off in 3 weeks, youll be fine by taking it out of ur CC, youll have to pay some interest, but it wont be that much.. Dont go into the bank for a 600 dollar loan, they will laugh at you for being a dumbass.
And.. why are you planning to spend 600 bucks on a tattoo if you cant afford it?
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02-18-2009, 12:52 PM
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#30 | | Willing to sell a family member for a few minutes on RS
Join Date: Feb 2005 Location: Surrey
Posts: 12,759
Thanked 689 Times in 376 Posts
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Originally Posted by MyPresIzBlack And.. why are you planning to spend 600 bucks on a tattoo if you cant afford it? | Cuz thats how the world works. Majority of people buy shit they can't afford till later then it becomes a cycle and they go in debt  | |
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02-18-2009, 12:57 PM
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#31 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
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sell ur nuts!!!!
ok borrow from line of credit
6% intersts a year
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02-18-2009, 12:59 PM
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#32 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,580
Thanked 3,789 Times in 1,349 Posts
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Originally Posted by hotjoint
I charge everything to my credit card and pay it all of at the end of the month. Don't buy shit if you can't pay it back at the end of the month. Also I have a rebate rewards card so I get 1% back. Not much but still better then getting nothing. The people who say credit cards are bad are the ones that can't control their spending habits. Its all about self control. | Totally agree. I pay all my household bills through my amex for the airmiles and I charge a lot of my purchases on my visa. In the 15 years I've been using credit cards I've never paid 1 cent in interest. If you're smart about it and use them responsibly they are fine.
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The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
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02-18-2009, 01:20 PM
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#33 | | I subscribe to the Revscene NWS thread(s)
Join Date: May 2008 Location: Middle Kingdom
Posts: 1,914
Thanked 137 Times in 63 Posts
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__________________ Quote:
Originally Posted by boss_clad why you hating on the boss, anyways? | | |
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02-18-2009, 01:37 PM
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#34 | | Proud to be called a RS Regular!
Join Date: Aug 2008 Location: Vancouver, BC
Posts: 118
Thanked 65 Times in 13 Posts
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Originally Posted by hotjoint
I charge everything to my credit card and pay it all of at the end of the month. Don't buy shit if you can't pay it back at the end of the month. Also I have a rebate rewards card so I get 1% back. Not much but still better then getting nothing. The people who say credit cards are bad are the ones that can't control their spending habits. Its all about self control. | The rewards are a huge benefit as long you pay it off every month. It is basically free cash back/airmiles for simply using the card. Works for me!
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02-18-2009, 02:20 PM
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#35 | | OMGWTFBBQ is a common word I say everyday
Join Date: May 2004 Location: Toronto
Posts: 5,039
Thanked 512 Times in 96 Posts
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^+1
If the money is gonna be spent, might as well build your credit, and get something back for it. I pretty much put everything on my mastercard now.
__________________ My Flickr Quote:
Originally Posted by MelonBoy really?.. some reason im afraid of taking shits after ghost movies.. i always think about what if a ghost's hand came out of the toilet and grabbed my nuts or stuck its hand in my ass -___________-.... i mean if it came outa the mirror id have reaction time to run but the toilets.. thats a pretty good blind spot to sneak up on people from -_____- ... | | |
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02-18-2009, 02:26 PM
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#36 | | Hypa owned my ass at least once
Join Date: Mar 2002 Location: Japan
Posts: 6,745
Thanked 1,314 Times in 540 Posts
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Originally Posted by quasi No doubt, if you're using this for the Casino (which some of your past posts may indicate) you know you have a serious problem. If that's what it is seriously do yourself a favor and get some help. | What if the reason was to pay off loan sharks? That 20% is a good investement to save your legs & kneecaps IMO. | |
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02-18-2009, 02:41 PM
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#37 | | Wunder? Wonder?? Wander???
Join Date: Aug 2007 Location: vancouver
Posts: 202
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I made the appointment in december, multiple unforseen costs have occurred and ive been jobless for like 2months now  | |
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02-18-2009, 03:37 PM
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#38 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,580
Thanked 3,789 Times in 1,349 Posts
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Originally Posted by dhawes I made the appointment in december, multiple unforseen costs have occurred and ive been jobless for like 2months now | Cancel or reschedule for April or May when hopefully your finances are better?
__________________
The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
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02-18-2009, 03:43 PM
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#39 | | I Will not Admit my Addiction to RS
Join Date: Dec 2008 Location: Vancouver
Posts: 522
Thanked 16 Times in 3 Posts
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Yea might wanna reschedule...Eating > Tattoo
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02-18-2009, 04:43 PM
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#40 | | Unofficial Tin Foil Hat Specialist.
Join Date: May 2008 Location: Vancouver
Posts: 8,150
Thanked 1,529 Times in 604 Posts
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Points points and more points!!!!!!
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02-19-2009, 08:03 AM
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#41 | | Willing to sell a family member for a few minutes on RS
Join Date: Feb 2005 Location: Surrey
Posts: 12,759
Thanked 689 Times in 376 Posts
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Originally Posted by MyPresIzBlack Yea might wanna reschedule...Eating > Tattoo | | |
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02-19-2009, 08:16 AM
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#42 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Jan 2006 Location: Abbotstan
Posts: 20,721
Thanked 12,136 Times in 3,361 Posts
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Ahh, I love RS... lotta random guessing and bad advice, as usual.
You wanna know what it's costing you, READ YOUR CARDHOLDER AGREEMENT. Every credit card is a little different. People here telling you "this is how it is" is pointless, because even IF they have any idea what they're talking about, what applies to THEIR card may not be the same for YOUR card.
Just for the record, there is SOME correct advice here:
Almost all cards compound the interest monthly, as Graeme S demonstrates.
Almost all don't start calculating interest on purchases until the statement date.
Almost all start calculating interest immediately on cash advances.
With almost all of them, your payment is applied to the interest first, and anything that's left is then applied to the actual balance. If you pay off the entire balance the day you receive your statement, you'll pay practically nothing in interest (except for cash advances).
Some cards do vary on these, and that will be spelled out in the cardholder agreement. Some may not have an annual service charge, but will have a higher interest rate, or may compound more often; sometimes you can get a better interest rate by paying a small annual service fee.
Look at your cardholder agreement (it's in the letter that came with the card, and should be available on the CC company's website). If you have any questions, call the number on the back of the card. They're the only ones who can give you a DEFINITIVE answer on the SPECIFIC terms of YOUR card.
__________________ Quote:
Originally Posted by Godzira Does anyone know how many to a signature? | ..
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Originally Posted by Brianrietta Not a sebberry post goes by where I don't frown and think to myself "so..?" | | |
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