The CRAZIEST guitar gear collection on the internet?
- Thread starter BadSeed
- Start date
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MatrixClaw
Whoaaa No Way!!!
Can't say I've seen anyone that looks like Joe Dirt around here... But I've definitely seen a few in VA
David Spade definitely IS from AZ though. My father-in-law went to high school with him.
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For me 1) keeping track of what's going on 2) not accidentally running anything over the 30 day limit where it starts accruing interest
Seabeast2000
Deathcult® NPC
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I just pay it off weekly, got a reminder in my calendar and all that.
I've done layaway for a few things here and there because of limited or intermittent availability when I didn't have the cash on hand. Credit cards are for routine little things like my phone bill to build credit and emergencies to destroy it.
My bank emails me 7? Days before its due and i just pay it then. But then, only one cc
MetalDestroyer
Heaven's Football Bat
I have one line in my budget for "credit card" which includes all food, gas and misc items. Anything over ~150 gets its own line that month and I prefer to make a separate payment for each of those for budget tracking purposes. Like this last month I had to put an apartment deposit on my CC while I waited for money to transfer out of my savings account (thanks American banking system that shuts down on the weekends). I made a dedicated payment for that rather than trying to remember why my payment was so high for the month of March when I look back in 6 months.
jaxadam
Well-Known Member
For those that pay off weekly, what is the thought process? Why not just pay the balance monthly?
Seabeast2000
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What? I have a deck of CC's, in fancy colors and vanity designs. Most are at %76 usage, helping the banks out is my duty.My bank emails me 7? Days before its due and i just pay it then. But then, only one cc
Seabeast2000
Deathcult® NPC
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Why not just pay it off weekly?
jaxadam
Well-Known Member
All of my accounts are monthly statements and it’s easier for me to reconcile a monthly payment to a monthly balance than guess at a weekly partial monthly balance payment.
Seabeast2000
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ahh, I just do it for convenience mostly, I don't have any fixed recurring charges on my single CC so just pay it off. Usually random food charges or gas, not often.... other stuff then the occasional business travel.
jaxadam
Well-Known Member
And don’t even get me started on Amex’s fucked up credit application to previous statement closing balances.
Say I have a statement balance closing on March 30 of 10k with a payment date of April 15. In the mean time I get a 1k credit on the current statement. Well, Amex applies that credit to what you currently owe on the previous balance so now you owe 9k and it’s a pain in the ass. I wish they would just credit whatever statement the credit is for.
Say I have a statement balance closing on March 30 of 10k with a payment date of April 15. In the mean time I get a 1k credit on the current statement. Well, Amex applies that credit to what you currently owe on the previous balance so now you owe 9k and it’s a pain in the ass. I wish they would just credit whatever statement the credit is for.
jaxadam
Well-Known Member
That’s an Out of Town Meals and Entertainment write-off!
Seabeast2000
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Amex did a "let's check in on Seabeast2K", my credit was tanking at the time many years ago, I had a zero balance with Amex also my only CC. I was beginning a business trip and first thing I do is AMex a breakfast burrito at the airport........nope, card not working.
I call Amex, sorry no help sir, even though you've paid all your charges on time with us.
FAMEX4LYFE.
I call Amex, sorry no help sir, even though you've paid all your charges on time with us.
FAMEX4LYFE.
MatrixClaw
Whoaaa No Way!!!
I literally buy everything on my CC and then pay it off at the end of the month. Makes it easier to figure out expenses and I don't end up paying any interest, but gets miles or cash back in return. You also get way better protection than using a debit card. It's a win-win scenario. CCs are great if you know how to use them.
Shask
Well-Known Member
Keeps the credit utilization percentage low for when they report for your credit score.
jaxadam
Well-Known Member
Ironically they are the only ones that don’t get flagged for fraud when I’m out of the country.
But their credit application is so bad I would just rather not return anything. I tell people if they accidentally bought something, just keep it. Shit, I bought a Private Stock and my wife’s like WTF and I’m like well I’m not returning it it’s too much of a pain in the ass and she’s like yeah you have a point.
But if you’re paying it off in full, whats the difference?
