[SuperBowlNachos]

Quote: Originally Posted by kehlis

Yea, people try and make credit cards out to be a bad thing when they are actually the opposite.

It's unfortunate ignorance on how credit cards work. A good number of people think you pay interest no matter what even if you pay it off, or they think you have to carry a balance and pay interest for it to help your credit.

Quote: Originally Posted by Majingir

Why don't you just pay at the pump directly instead of handing it to the attendant?

Maybe not in Canada, but gas pump skimmers pop up all the time on the actual gas pump and public ATMs. Handing it to the attendant would be 10x safer. Not sure an attendant would be ballsy enough to run a skimmer right there.

Quote: Originally Posted by Mike Lowe

If you're comfortable paying a yearly membership fee, some of those cards have great value for free travel, etc. I pay around $60 a year, but end up with thousands in free travel money/redemption since I put EVERYTHING on my card. The key is that I make a CC payment 3-4 times a week; I check it daily, and every single time there's a balance, I pay it back down to $0. So they can be a good tool, when used appropriately.

I pay about $275 in annual fees. I more than cancel this out though. You have to do your due diligence before getting into multiple AF cards though.

Paying the statement balance alone is all you really need to do. Maybe make an additional payment if you made a giant purchase.

Quote: Originally Posted by underdog13

So should I get a credit card? I'm 21 and moving into my own apartment soon, hadn't considered it before.

Yes. Don't buy stupid stuff you can't afford. It's not free money. At the very least get one and put your Netflix or whatever subscriptions on it. Set up auto pay on the card. At most put every single dollar on it, but just be responsible.