Comments | fushigi_na_chou: Everybody loves money :D

fushigi_na_chou

Everybody loves money :D

Jun 03, 2007 15:18

~.: So I just applied for a student credit card with a limit of $3000. I'm kinda nervous. I really don't wanna get myself into trouble with it, but I really need to establish my credit, and a credit card will be nice to have in case of emergencies. I decided my tactic will be this: to pretend it is my check card when I use it, and only spend as ( Read more... )

money, credit card

Comments 6

(The comment has been removed)

fushigi_na_chou June 4 2007, 02:14:11 UTC

Your debit card will work fine (mine did when I was there) but you have to be careful with that because you have to convert the money when you write it down in your transaction log. :x I'll probably buy a candy bar or something once I have my credit card. Just to get my credit started, you know?

on_dragon_wings June 4 2007, 22:04:42 UTC

Haha, yeah.
Well, I don't have to write anything down usually. I have an online record of transactions, so I'm assuming it would automatically convert it. O_o But I suppose I should memorize the conversion so i'll know how much I'm actually spending. ...

fushigi_na_chou June 5 2007, 10:45:48 UTC

Oh yeah, online banking is good. I never trust mine because I don't like waiting for my pending transactions to come through to see how much I have- it usually shows me having more than I do and I get over-confident, which is how I get hit with overdraft fees. So for me, I have to write everything down, but if you can just go by what your online transactions say, that's good. And yeah, it will automatically convert it online.

on_dragon_wings June 4 2007, 01:57:28 UTC

Yeah, Credit Cards can be dangerous. Be careful with that.
I may need to get one too though, cause I'm not sure if my debit card will work overseas... though I suppose I could ask someone in the Card Operations department when I go to work tomorrow, XD. Lol, sometimes it's nice to work for your own bank.

zekitty June 4 2007, 02:09:43 UTC

You're responsible, I'm sure you'll do fine. ^-^ Congrats! My 'rents won't let me get one until my senior year. ^-^;

fushigi_na_chou June 4 2007, 02:16:19 UTC

I don't see why they would be able to stop you. You're 18 (aren't you?) and that's really the only thing necessary. Just open one up yourself.

http://www.cardratings.com/studentcreditcards.html

That's the link I used to help make my decision. :3