Advice: Weird Charge On My Credit Card

Originally posted by Julian, gay agenda ILLUMINATI:
It gets paid off every month and I've never paid any interest. I still subscribe to the "if you do not have the money for it, you should not buy it" mindset.

Well, la-di-freaking-da! Aren't you SPECIAL? Do you poop cotton candy, too?

Brian

Originally posted by wanderlust j. marshmallow:
Are you sure it's not $1.50 for 3 day free trial on a porn website? :eek:

Which reminds me. Has anyone ever used one of those credit card style gift cards to pay for a porn site? I'm shocked I haven't tried this yet…

Originally posted by vansmack:

Originally posted by wanderlust j. marshmallow:
Are you sure it's not $1.50 for 3 day free trial on a porn website? :eek:

Which reminds me. Has anyone ever used one of those credit card style gift cards to pay for a porn site? I'm shocked I haven't tried this yet…

paying for porn died when porntube and the other various free sites "popped up."

I'm not really a porn hound so never subscribed to a porn site….but I'm no prude either so once in a while will lurk a little. www.thehun.com is the site I visit when the urge takes me. It's kind of lame but it's free and offers quite a variety.

I like the girls riding a sybian website.

Originally posted by walkonby:
paying for porn died when porntube and the other various free sites "popped up."

Totally agree (I'm a youporn guy, myself).

I'm intrigued by the High Def offerings, but just can't bring myself to pay for them with something that would keep a record (hence the gift card idea).

Originally posted by nkotb:
Ditto. Free miles rule.

Originally posted by Charlie Nakatestes,Japanese Golfer:
Or they're for people like us, who use them to accumulate miles. We've done two or three free trips to the West Coast, now we're flying to Belgium and France for free in June. And we're pretty much all the way up to another free domestic flight.

And we're not even big spenders. Just put everything on the card and pay it all off at the end of the month.

Originally posted by 47 YEAR OLD VIRGIN:
Credit cards are for poor people who like to think they're rich.

But aren't those miles programs just a scam? Like you can only fly on a Monday if the date is an even number, between 5:27 and 6:04 in the morning if the sun is shining and the cabin crew chief is on her period, that's not so heavy so she only needs to use the 'light days' pads?

I still have my Irish mastercard card that hasn't been used in almost two years now, so it's probably inactive at this point. I should get one though for emergencies.

Correct me if I'm wrong but to build credit isn't it better to carry a bit of a balance each month? Finance companies don't want your business if they aren't making interest off you, so if they look at your credit report and see you never carry a balance over they'll just turn you down.

Originally posted by 47 YEAR OLD VIRGIN:
Finance companies don't want your business if they aren't making interest off you, so if they look at your credit report and see you never carry a balance over they'll just turn you down.

Not when purchasing bigger items like a house or a car. A good ratio of low debt to high credit limits can be very beneficial to a low interest rate.

Originally posted by vansmack:

Originally posted by 47 YEAR OLD VIRGIN:
Finance companies don't want your business if they aren't making interest off you, so if they look at your credit report and see you never carry a balance over they'll just turn you down.

Not when purchasing bigger items like a house or a car. A good ratio of low debt to high credit limits can be very beneficial to a low interest rate.

I was referring just to credit card companies. I think I know how auto finance works!!! ;)

I use the Capital One No Hassle Miles card for almost every purchase, and so far, its really been no hassle. I'd recommend looking into it.

Originally posted by 47 YEAR OLD VIRGIN:
But aren't those miles programs just a scam? Like you can only fly on a Monday if the date is an even number, between 5:27 and 6:04 in the morning if the sun is shining and the cabin crew chief is on her period, that's not so heavy so she only needs to use the 'light days' pads?

Originally posted by Julian, gay agenda ILLUMINATI:

It gets paid off every month and I've never paid any interest. I still subscribe to the "if you do not have the money for it, you should not buy it" mindset. [/QB]

Wait a minute. You're trying to tell me last year, when you went to see "The Smashing Pumpkins" 463 times, you NEVER charged tickets or transport and didn't pay off the entire balance by the next billing period? I find that VERY hard to believe. Or else, your mommy and daddy are rich.

Jeez, no wonder you like the Clintons so much.

Brian

Originally posted by Brian Wallace:
Wait a minute. You're trying to tell me last year, when you went to see "The Smashing Pumpkins" 463 times, you NEVER charged tickets or transport and didn't pay off the entire balance by the next billing period? I find that VERY hard to believe. Or else, your mommy and daddy are rich.

I put some of those tickets on the card, but everything was within driving distance so there really wasn't any travel expenses, and yes, it was paid off the end of the month. I don't buy things if I cannot afford them. Period.

Hey Brian, some people gots better paying jobs than the one you gots at the mall.

Originally posted by Brian Wallace:

Originally posted by Julian, gay agenda ILLUMINATI:

It gets paid off every month and I've never paid any interest. I still subscribe to the "if you do not have the money for it, you should not buy it" mindset.

Wait a minute. You're trying to tell me last year, when you went to see "The Smashing Pumpkins" 463 times, you NEVER charged tickets or transport and didn't pay off the entire balance by the next billing period? I find that VERY hard to believe. Or else, your mommy and daddy are rich.

Jeez, no wonder you like the Clintons so much.

Brian [/QB]

Originally posted by Charlie Nakatestes,Japanese Golfer:
Hey Brian, some people gots better paying jobs than the one you gots at the mall.

Originally posted by Brian Wallace:

Originally posted by Julian, gay agenda ILLUMINATI:

It gets paid off every month and I've never paid any interest. I still subscribe to the "if you do not have the money for it, you should not buy it" mindset.

Wait a minute. You're trying to tell me last year, when you went to see "The Smashing Pumpkins" 463 times, you NEVER charged tickets or transport and didn't pay off the entire balance by the next billing period? I find that VERY hard to believe. Or else, your mommy and daddy are rich.

Jeez, no wonder you like the Clintons so much.

Brian

[/QB]

Don't knock it…I hear chick fil'a pays pretty good and you get every Sunday off.

Originally posted by Julian, gay agenda ILLUMINATI:
It gets paid off every month and I've never paid any interest. I still subscribe to the "if you do not have the money for it, you should not buy it" mindset.

If you don't pay interest, you're not actually building credit.

Also, in an inflationary economy, such as the one we appear to be entering, debt can actually be beneficial if the interest rate is lower than the inflation rate (although that is usually far from the case with credit card debt.)

And mileage is not a scam, unless you do something stupid like buying stuff just to get miles, or even worse, buying miles. I use miles to get business class upgrades all the time, and I've gotten round trip business class tickets to Indonesia and Canada, all on miles.

I could be wrong, but I don't think that's accurate. When I just applied for a car loan, my wife and I had killer credit ratings, and I probably haven't paid any interest on a credit card in about 5-6 years.

Originally posted by They call me Doctor Doom.:
If you don't pay interest, you're not actually building credit.

Originally posted by nkotb:
I could be wrong, but I don't think that's accurate. When I just applied for a car loan, my wife and I had killer credit ratings, and I probably haven't paid any interest on a credit card in about 5-6 years.

Originally posted by They call me Doctor Doom.:
If you don't pay interest, you're not actually building credit.

yeah, but you have paid interest in the past. That stays with you forever.

Originally posted by They call me Doctor Doom.:
If you don't pay interest, you're not actually building credit.

That isn't entirely accurate.

It's true that paying off a loan over time has a larger impact on your credit score than paying entire credit card balances every month. However, that does not mean you have to pay interest to build credit.

My credit score went from 560 (when I was just making my car payment and rent every month and paying for everything else with cash) to 720 within a year of starting my "put it on the card but pay it off every month" plan. It probably would be higher if I carried a balance though, you're right on that.

Different finance institutions look at credit reports in entirely different ways. An auto loan underwriter wants to see you paying on time every month, so if you pay your credit card balance every month they love it because the interest is built into the monthly payment of an auto loan. A credit card company want to see you carrying a balance because they don't make any money off you unless you're carrying a balance, so dont' want your busines if that's the case.