New furniture time...
 

..fittin to go to ashleys and grab a sectional and a recliner. Word. Gonna clear 3 stacks this check. Holla atcha boy

man thats on my life... im in mid michigan... me and my girl have a total of around 100k cash... thats literally cash no loan... I have an above average score I'm like 800.. my girl is horrible because of she had some rent in college and places like that didn't do so well.


I have no idea why i'm so good, on the record i've only rented few places... all payed on time and all was good. But I opened up a ton of credit cards this last 4 months and what I do is I just use them for like 20$ a month and pay them off quickly, but my credit score dropped. My mom told me that how credit score works if you open up a bunch of credit quickly even if you pay it off perfect on time. They see you opened it up too quick, and too many things at one time.

so I dropped... but me and my girl have around 100k cash.. to get better we could get a loan.. I couldn't... but she could for a cheap like 30k I would guess.. but after that like what you're saying i'm trying to figure out.. how about decorating that shit... we don't have beds.. we have a few like... run running rugs, a few lamps... some nice plates/silverware but not enough

no couches... we've got 2 tv's... but you get what im saying... shit is going to cost a lot.. like ... bedspreads pillows.little stands.. shit like that.. things you dont realize when you're young that cost money..

I just went to zillow to show you what we were looking at but it went away... must've got sold and they're fucking manufactured homes... like they're mad nice and shit but they're fucking manufactured homes

Its not.good to pay ur CCs off. As long as your making payments every month ur credit is going up. If there payed off then there is no credit gain. Thats how that works rich guy

I owe nothing on my CC's I only opened them up to boost my credit score

i've got 2 pnc cards and thats where I bank with my money


pnc cash rewards 1k limit

pnc core 1k limit

discover card 4k limiti no apr until april of next year

capital one only 500$ limit lol


and another that is 10k

and suck my dick rich guy... thats how it i15s.. I randomly use all of them for like 15$ a month, come home and pay them off the next day to boost my score, but what I didn't realize is that if you take that many CC's out in a short period of time it goes against you

barking up the wrong tree fuck you and yo couch nigga

Good shit geno

I'm also looking to get new furniture. Thinking about a sectional and ottoman

Be sure to post pics of your new den

Will do

No, you fucking moron. Paying them off does not boost your score you fucking imbecile. What i am saying is paying them off does the opposite. Keeping a balance and making monthly payments is what boosts ur score. Your obviously full of shit because you hve no idea wtf your talking about. Probably dont even have an open checking account and owe for over drafts. Broke ass nigga. Gtfoh

right how do I put my stack up...

bitch ass nigga dont even tlk the wrong one..... i';l post this shit

fuck ass nigga

this is the dumbest thing you've said yet.

keeping a balance means paying interest. you're losing money, idiot.

pay your balance in full every month unless you're on a 0% interest rate.

smh.

I'm 30 and still have no idea what credit is

smh i'm out here tryna expect you to understand financial elites are destroying the planet & you dunno what credit is.

Lmaoooo 100 k cash wow

Nigga now u gotta post it

This is not.true. you cant build.credit.if.your cresit cards are payed off..you may as well not have any credit cards then. Anyone will.tell you that to build credit.you do not.fully pay your cards off every month

I have literally never heard that

ouch is saying pay the entire balance right away to build credit

geno is saying make your full monthly payments to build credit

diode saying keeping a balance means you pay interest, which is true, but obviously anyone that uses their credit card for something is going to take time to pay it off, which obviously means paying some interest.

geno was not saying to extend your payments as long as possible, only to pay your payments to build credit as opposed to paying it all off right away which wouldn't build credit

And ghost1 is saying whoever live close to ouch should rob him tho

what im saying is.. I got a bank account...8k in it on average... PNC

I have 2 pnc credit card accounts... 1k each

all of the sudden I got flooded with credit card offers.. and me being someone who grew up poor and not knowing about it, I applied online for all of them.

now I have discover card 4k limit 0% apr until april of next year

captial one still only $500 and another one for 10k limit.

I use each one of those cards for like... 17$ at taco bell... 32$ at shell for booze... and I pay it off the next day, I didn't realize that if you opened up a bunch of accounts in a short period of time it drops ya credit score

and to get the cards of course I lied... when I filled the forms out it was like.. how much do you expect to make in the next year I put like 109k... what do you do for a living... self employed private contractor.. then they came in the mail...but again I was only doing that to boost my credit score because in the future I might need it to be a real person

sounds good i'll give my address, make sure when you come to rob me you bring a lot of money with you

no. i and everyone else with a stable income using credit cards for their rewards and bonuses and pay them off in full every month. which raises your credit score considerably more than keeping a balance. the point of good credit is to show you can pay off your debts.

paying it off all right away is exactly the best way to build credit.

I’m so confused

if i have a credit card and i use it to buy $300 worth of shit and i pay that $300 in full the next day that's going to raise my credit more than paying the monthly balance?

and why do I care about my credit score... because even though i'm an adult.. i'm not a a very irresponsible one.. and soi I plan on being a responsible adult in the future that cridit score matters... it may be a far off thing... but I strive for it and I believe it will happen

and also if things turn bad i'll run up that 20k in credit in shitty weekly motel bills and do all that if I have to... im not guessing that will happen but if it does.. fuck it im running all those credit cards

no offense Geno but I don't know what planet you're on in this thread.

not the next day, but when the balance is due. that's literally the concept of credit.

"i will float you this money for x period of time but you have to pay it back by then or i start charging interest. and if you don't pay it back then i will tell everyone you can't be trusted as a credit/loan candidate"

my credit score is 569

tagger show yourself coward

QFE

Never change James

Hey

Good shit though

but i literally explained that ouch was talking about paying it off the next day

and geno was talking about paying it when the balance is due

@Genocide @Ouch