Your First Credit Card?

[Ninja23XX]

you are ninja:bsmilie:

LOL. What has ninja got to do with eating?


GMAN

 

[scud]

i cant remember when i last used my credit card ... :bsmilie:

 

[Gunbucker]

At which age did you own your first credit card? I see many teenagers having so many credit cards in their wallets. What do you think about it. I myself, do not own a credit card.


GMAN

There's a subtle yet significant difference between owning a credit card and BEING OWNED by credit cards. Quite hard to tell these days :bsmilie:

 

[ortega]

a credit card is a double edged sword

wield it wisely or you might end up getting cut badly

once you dig a hole using credit, it will only get deeper and deeper

 

[Ninja23XX]

a credit card is a double edged sword

wield it wisely or you might end up getting cut badly

once you dig a hole using credit, it will only get deeper and deeper

I agree!


GMAN

 

[Ninja23XX]

There's a subtle yet significant difference between owning a credit card and BEING OWNED by credit cards. Quite hard to tell these days :bsmilie:

I think the later happens to many these days.


GMAN

 

[domdomino]

debit card counted anot?:bsmilie:

Yes debit card still the best and i still enjoy alot of discounts.

Using UOB Visa NOW card. :thumbsup:

 

[sheree]

i only have debit card.. no credit cards.
i think my dad doesnt want to give me one cus i will probably burst the limit :bsmilie: :bsmilie:

 

[evo-lution]

Yes debit card still the best and i still enjoy alot of discounts.

Using UOB Visa NOW card. :thumbsup:

This card is debit or credit?:dunno:

 

[domdomino]

This card is debit or credit?:dunno:

Debit card . . Way much more than my POSB GO! debit card. :thumbsup:

UOB debit is Visa

POSB debit is Mastercard

 

[Godzilla Invades]

Is this a survey? Sure sounds like one....

 

[Ninja23XX]

i only have debit card.. no credit cards.
i think my dad doesnt want to give me one cus i will probably burst the limit :bsmilie: :bsmilie:

I don't even have an ATM card.


GMAN

 

[Ninja23XX]

Is this a survey? Sure sounds like one....

Nope, it isn't a survey. Just curious. I saw so many people flipping cards and stuff. Makes me wonder if they can afford it?


GMAN

 

[La Vida]

I'm 16 and i have an POSB ATM card. No credit card though, i'm curious how people in the 1st category, can pay their bills, unless they're born into rich families..

 

[Ninja23XX]

I'm 16 and i have an POSB ATM card. No credit card though, i'm curious how people in the 1st category, can pay their bills, unless they're born into rich families..

The must own an oil reserve. Haha.


GMAN

 

[raptor1988]

Wait till got rich suger mummy give me. :bsmilie: Now using POSB Mastercard and UOB Visa R card. Too many cards also headache. Lots of card fees to pay.

 

[Breyton]

....i'm curious how people in the 1st category, can pay their bills, unless they're born into rich families..

Govt/Military scholars can still be 18 when they sign on and enter university. Several of my friends were still 18 in our first year and our student accounts came with credit cards. I didn't even request for it and was given one Visa and one Mastercard. They had crappy £500 limits but hey, it's more than what I should be spending in a month so I kept it as it was as a form of control. In fact, even after starting work I didn't ask for limit increases for a long time, as a form of control. It was only when I started travelling for long periods for work that I had no choice but to raise the limits.

My simple rule for using credit cards - use them only for convenience and never, ever, for credit. i.e. pay in full every month, no rolling balances.

And I keep just two cards - one as a backup in case one fails for some reason (chip damaged, over-zealous security, etc).

 

[evo-lution]

Wait till got rich suger mummy give me. :bsmilie: Now using POSB Mastercard and UOB Visa R card. Too many cards also headache. Lots of card fees to pay.

What is "R" card?

Recession card? Buy things for free?:bsmilie:

 

[Ninja23XX]

What is "R" card?

Recession card? Buy things for free?:bsmilie:

Restricted card. Haha!!!


GMAN

 

[evo-lution]

Restricted card. Haha!!!


GMAN

Got this type of card arh?

Is it those $500 limit one?