TeenHelp
Support Forums Today's Posts

Get Advice Connect with TeenHelp Resources
HelpLINK Facebook     Twitter     Tumblr     Instagram    Hotlines    Safety Zone    Alternatives

You are not registered or have not logged in

Hello guest! (Not a guest? Log in above!)

As a guest on TeenHelp you are only able to use some of our site's features. By registering an account you will be able to enjoy unlimited access to our site, and will be able to:

  • Connect with thousands of teenagers worldwide by actively taking part in our Support Forums and Chat Room.
  • Find others with similar interests in our Social Groups.
  • Express yourself through our Blogs, Picture Albums and User Profiles.
  • And much much more!

Signing up is free, anonymous and will only take a few moments, so click here to register now!


Money This forum is for support with financial issues.

Closed Thread
 
Thread Tools Search this Thread
  (#1 (permalink)) Old
Tara. Offline
You member.
I can't get enough
*********
 
Tara.'s Avatar
 
Age: 30
Gender: Girl.
Location: Colorado.

Posts: 2,039
Join Date: February 13th 2009

Do you have a credit card? - September 19th 2010, 05:13 PM

For the older THer's - do you have a credit card?

I do, and regret it.


To you, everything's funny. - -
I'd give all I have, honey. - If you could stay like that.
Stay this little. - - I won't let nobody hurt you.
Just try to never grow up. - - Never grow up.
   
  (#2 (permalink)) Old
Melody Pond Offline
is a superhero
I can't get enough
*********
 
Melody Pond's Avatar
 
Name: Rachel
Age: 26
Gender: Female
Location: UK

Posts: 2,684
Blog Entries: 69
Join Date: January 6th 2009

Re: Do you have a credit card? - September 19th 2010, 05:40 PM

No I have 2 debit cards though.
   
  (#3 (permalink)) Old
Jesus paid it ALL.
I've been here a while
********
 
ALLorNOTHINGforCHRIST's Avatar
 
Name: Emily
Age: 27
Gender: Female
Location: Georgia( the U.S. state)

Posts: 1,928
Join Date: June 6th 2010

Re: Do you have a credit card? - September 19th 2010, 06:10 PM

I have neither a credit or a debit card.
   
  (#4 (permalink)) Old
bitesize Offline
Member since April '07
Outside, huh?
**********
 
bitesize's Avatar
 
Age: 28
Gender: Female
Location: Ireland

Posts: 3,944
Blog Entries: 321
Join Date: January 7th 2009

Re: Do you have a credit card? - September 19th 2010, 06:20 PM

Oh dear, no!! I would be terrible with a credit card; I'm not getting one until I know I can be responsible enough to afford it. It would be really handy for buying stuff online though..


Honey, you're familiar, like my mirror, years ago
.....
I slithered here from Eden just to sit outside your door
...
...
Níl a shíltear mar a bhítear.
Things are not always what they seem.
   
  (#5 (permalink)) Old
taylalatbh. Offline
Member
Outside, huh?
**********
 
taylalatbh.'s Avatar
 
Name: Taylala
Age: 27
Gender: Female
Location: Wales, UK

Posts: 3,745
Join Date: July 6th 2009

Re: Do you have a credit card? - September 19th 2010, 06:22 PM

I don't have one, but my boyfriend does. He's already maxed it out and hasn't even started to pay it off. I think it's just too tempting to spend all the money and forget that you actually have to pay it off.



   
  (#6 (permalink)) Old
Pelios Offline
on Pursuit of Happiness
Outside, huh?
**********
 
Pelios's Avatar
 
Name: Andrea
Gender: Female
Location: México

Posts: 3,691
Blog Entries: 48
Join Date: January 17th 2009

Re: Do you have a credit card? - September 20th 2010, 06:24 AM

Yes I've had it since I turned 18, I like it because it helps you built a credit and gives you rewards if you pay on time.


Everyone is born right-handed. Only the greatest overcome it.
   
  (#7 (permalink)) Old
MegaMadness Offline
Fight My Llama
Jeez, get a life!
***********
 
MegaMadness's Avatar
 
Name: Megan
Age: 23
Gender: Female
Location: Aussie Land

Posts: 5,564
Blog Entries: 16
Join Date: October 11th 2009

Re: Do you have a credit card? - September 20th 2010, 09:20 AM

I know I'm not older, but I don;t have a credit card and I'd never consider getting one ever.


Come on boys, come on girls
In this crazy, crazy world
You’re the diamonds, you’re the pearls
Let’s make a new tomorrow
Come on girls, come on boys
It’s your future, it’s your choice
And your weapon is your voice
Let’s make a new tomorrow
Today
follow me please. I'll follow back. http://photographicjournal.tumblr.com/
   
  (#8 (permalink)) Old
Ellie Offline
Oh mai.
I've been here a while
********
 
Ellie's Avatar
 
Gender: Female

Posts: 1,971
Blog Entries: 46
Join Date: January 6th 2009

Re: Do you have a credit card? - September 20th 2010, 10:02 AM

No and I'm so glad that I don't. I really wouldn't trust myself with one.
   
  (#9 (permalink)) Old
Make Believe Offline
makes everything 20% cooler.
Jeez, get a life!
***********
 
Make Believe's Avatar
 
Name: Kayleigh
Age: 28
Gender: Female
Location: Wales, U.K.

Posts: 6,185
Blog Entries: 190
Join Date: August 31st 2009

Re: Do you have a credit card? - September 20th 2010, 11:21 AM

No, I don't trust myself. I have a debit card though


"Life isn't about finding yourself. Life is about creating yourself."
  Send a message via MSN to Make Believe  
  (#10 (permalink)) Old
Thurineth Offline
Member
I've been here a while
********
 
Thurineth's Avatar
 
Name: Laura
Age: 29
Gender: Female
Location: Aberdeen

Posts: 1,140
Join Date: May 28th 2009

Re: Do you have a credit card? - September 20th 2010, 12:30 PM

I have a credit card, I haven't used it though. I was recommended to get it by my bank as it makes online payments more secure and you have a type of insurance on it. Which, if anything, I will only be using for textbooks.

I have been tempted when I've had no money (like now (£13 till friday which has to suffice food and petrol)) but I'd rather just stick it out.
  Send a message via Skype™ to Thurineth 
  (#11 (permalink)) Old
Anduriel Offline
srsly, wtf.
Experienced TeenHelper
******
 
Anduriel's Avatar
 
Gender: Male

Posts: 571
Join Date: January 10th 2009

Re: Do you have a credit card? - September 20th 2010, 02:18 PM

I have a debit card.
  Send a message via AIM to Anduriel Send a message via MSN to Anduriel Send a message via Skype™ to Anduriel 
  (#12 (permalink)) Old
L'espoir Offline
Member
I can't get enough
*********
 
L'espoir's Avatar
 
Name: Jen
Age: 25
Gender: Female
Location: England

Posts: 2,020
Blog Entries: 777
Join Date: January 7th 2009

Re: Do you have a credit card? - September 20th 2010, 03:24 PM

I have a debit card, wouldn't trust myself with a credit card


PM // VM
   
  (#13 (permalink)) Old
Brandon Offline
Member
I can't get enough
*********
 
Brandon's Avatar
 
Name: Brandon
Age: 29
Gender: Male

Posts: 2,536
Join Date: January 6th 2009

Re: Do you have a credit card? - September 20th 2010, 09:20 PM

I have two debit cards (one for school and one from my bank). I would never get a credit card.
   
  (#14 (permalink)) Old
hopefaithlove Offline
Member
I've been here a while
********
 
hopefaithlove's Avatar
 
Age: 28
Gender: Female
Location: United States

Posts: 1,332
Blog Entries: 6
Join Date: January 7th 2009

Re: Do you have a credit card? - September 28th 2010, 03:10 PM

I have a debit card, but haven't even used it yet.

I don't want a credit card ever.


There is always hope. PM me anytime.
SH Free since 10.20.08
   
  (#15 (permalink)) Old
Elle_Dorado Offline
Member
Average Joe
***
 
Elle_Dorado's Avatar
 
Name: Michelle
Age: 30
Gender: Female
Location: Canada

Posts: 161
Blog Entries: 10
Join Date: May 2nd 2009

Re: Do you have a credit card? - September 28th 2010, 03:26 PM

I do and I just finished paying it off, thank god! I sort of regret getting one but at the same time I don't because it can be very useful at times (ex. emergencies, paying for things online, hotel rooms, etc) but at the same time it is VERY tempting and usually hard to resist spending it, especially when you're in the "moment". Thus being said, I have mixed reviews on it- to sum it up, I think it is bittersweet.
   
  (#16 (permalink)) Old
Nomophobia Offline
Music is my escape
Senior TeenHelper
*******
 
Nomophobia's Avatar
 
Name: Muse
Gender: Female
Location: UK, Wales

Posts: 866
Blog Entries: 300
Join Date: January 6th 2009

Re: Do you have a credit card? - September 28th 2010, 03:29 PM

I don't and I don't want one, I'm sticking to my debit card thanks!!


"Friends are like stars; you don't always see them but you know they are always there"

"It gives me hope. I love you so much. You give me a reason to breathe. Its something for me to not kill myself for" >>> means so much :')

Paramore! <3
Pm me anytime, I like to help!
  Send a message via MSN to Nomophobia  
  (#17 (permalink)) Old
mckay Offline
Member
Not a n00b
**
 
mckay's Avatar
 
Age: 27
Gender: Female
Location: UK

Posts: 67
Blog Entries: 3
Join Date: September 8th 2010

Re: Do you have a credit card? - September 28th 2010, 04:07 PM

I have a debit car and a store card ooo and my store card seems to always be maxed out! Ha x


Love Paris x
   
  (#18 (permalink)) Old
SparklingWine Offline
Normality, my friends.
Jeez, get a life!
***********
 
SparklingWine's Avatar
 
Name: Lynds :)
Age: 27
Gender: Grill ;)
Location: Seattle

Posts: 7,232
Blog Entries: 197
Join Date: February 19th 2009

Re: Do you have a credit card? - September 28th 2010, 04:11 PM

I definitely don't have a credit card.
I would blow through it, and with noooooo job. haha.

I do have a debit card though. With $2.55 Lol


  Send a message via AIM to SparklingWine Send a message via MSN to SparklingWine  
  (#19 (permalink)) Old
WashoutThePain Offline
=]
Outside, huh?
**********
 
WashoutThePain's Avatar
 
Name: Ask Away!
Age: 27
Gender: Female
Location: Nowhere to be found

Posts: 4,749
Blog Entries: 377
Join Date: January 5th 2009

Re: Do you have a credit card? - September 28th 2010, 04:36 PM

I've had a credit card for about 4 years now, actually. I really only use it for gas and textbooks, along with other random expensive stuff. But I like paying with cash. Luckily, the credit card it tied to my parents bank account, so it's not even my money lol.

I do try to pay everything with cash though- anything above a twenty dollar bill means some serious thinking.


   
  (#20 (permalink)) Old
Thurineth Offline
Member
I've been here a while
********
 
Thurineth's Avatar
 
Name: Laura
Age: 29
Gender: Female
Location: Aberdeen

Posts: 1,140
Join Date: May 28th 2009

Re: Do you have a credit card? - September 28th 2010, 05:14 PM

I've used the credit card now, dire need for glasses before payday but I paid it off as soon as i got paid (three days later), its my emergency money.
  Send a message via Skype™ to Thurineth 
  (#21 (permalink)) Old
Tomb Offline
Member
Junior TeenHelper
****
 
Tomb's Avatar
 
Age: 31

Posts: 319
Join Date: January 8th 2009

Re: Do you have a credit card? - September 29th 2010, 02:21 AM

I have a credit card since i was 18.

Now I have 3 of them!

But I rarely max one out unless I have too... Like paying for university tuition.

Credit Cards are great for saving money. It just depends on your self control.

I save money because my cc's give me:

An Organized report of my expense
Rewards (1 percent cash back minus debt incurred)
And I will never loose change when i buy small stuff.

I am very frugile.
   
  (#22 (permalink)) Old
The ANTI-Troll Offline
Banned
Experienced TeenHelper
******
 
The ANTI-Troll's Avatar
 
Name: ..........
Age: 29
Gender: Trans
Location: nowhere

Posts: 705
Join Date: January 30th 2010

Re: Do you have a credit card? - September 29th 2010, 02:51 AM

never had onee... but i just started thinking about getting one last week..
   
  (#23 (permalink)) Old
Beth. Offline
Member
Junior TeenHelper
****
 
Beth.'s Avatar
 
Name: Beth
Age: 28
Gender: Female
Location: New Jersey

Posts: 304
Join Date: January 6th 2009

Re: Do you have a credit card? - September 29th 2010, 02:56 AM

I only have a debit card and I'm content with that for now. I'm repsonsible with that and manage my money well though, so I might consider getting a credit card in the near future just to build some credit up.



When all your friends have come and gone,
And the sun no longer shines,
And the happiness for which you long is washed away like an ocean's tide,
When all the hard times outweigh the good,
And all your words are misunderstood,
When the day seems lost from the start
You must follow your heart,
You must follow your heart.


   
  (#24 (permalink)) Old
Stardaze Offline
Hopeless Love
Jeez, get a life!
***********
 
Stardaze's Avatar
 
Age: 27
Gender: Female
Location: California

Posts: 5,799
Blog Entries: 275
Join Date: November 7th 2009

Re: Do you have a credit card? - September 29th 2010, 06:37 AM

Whats the difference between debit and credit hahha




   
  (#25 (permalink)) Old
Melody Pond Offline
is a superhero
I can't get enough
*********
 
Melody Pond's Avatar
 
Name: Rachel
Age: 26
Gender: Female
Location: UK

Posts: 2,684
Blog Entries: 69
Join Date: January 6th 2009

Re: Do you have a credit card? - September 29th 2010, 07:46 AM

Quote:
Originally Posted by skylight View Post
Whats the difference between debit and credit hahha
The main difference is with debit card you can only spend what is in your bank account.

With a credit card you aren't spending money from an account with money in it and you get a bill monthly to pay it off.
   
  (#26 (permalink)) Old
Maloo Offline
Maloooooo
I can't get enough
*********
 
Maloo's Avatar
 
Name: Lissa
Age: 27
Gender: Female
Location: The US

Posts: 2,585
Blog Entries: 3
Join Date: January 12th 2010

Re: Do you have a credit card? - September 29th 2010, 02:20 PM

I think it's funny how many people are sooo against credit cards.

I will be getting one once my father gets back home and helps me fill out the application online.
   
  (#27 (permalink)) Old
Palmolive Offline
Purr Purr Purr.
Jeez, get a life!
***********
 
Palmolive's Avatar
 
Name: Jessie
Age: 24
Gender: Girly.
Location: The stars.

Posts: 5,791
Blog Entries: 2317
Join Date: January 31st 2009

Re: Do you have a credit card? - September 29th 2010, 04:22 PM

I was put on a stupid self service card. Which I'm annoyed about. I prefer debit.

But I took 300 pounds out, and then 0 for the next two or so months, and they said because of it, I have to wait a few more months until money goes in, Until I can get a debit card again Gutted.


"Only in the dark, can you see the stars..."
Josie 12/3/2014, always in my heart. Sue 19/2/2016; Peter, Ellie, Hannah, Andy, Kirtsie RIP.

Helplink Mentor l Article writer l Forum mod l Community Mod
   
  (#28 (permalink)) Old
:)
Regular TeenHelper
*****
 
Berries and Cream's Avatar
 
Name: Elizabeth
Age: 22
Gender: Female
Location: California♥

Posts: 400
Join Date: August 11th 2010

Re: Do you have a credit card? - October 4th 2010, 05:08 AM

I know im not older but my mom uses a debit card for everyday life and the credit card only for emergencies. as far as ive seen, i wont be considering a credit card any time soon. i trust myself with it, though because I usually don't spend too much money and I'm a "cheapskate" as my mom likes jokingly say. .


Laugh as much as you breathe
and love as long as you live
   
  (#29 (permalink)) Old
Elizabeth Offline
Just keep swimming!
I've been here a while
********
 
Elizabeth's Avatar
 
Name: Elizabeth
Gender: Female
Location: USA

Posts: 1,269
Blog Entries: 8
Join Date: January 8th 2009

Re: Do you have a credit card? - October 4th 2010, 03:05 PM

I have like eight debits cards. I don't know why I have so many.
   
  (#30 (permalink)) Old
losing touch. Offline
oh, really?..
Jeez, get a life!
***********
 
losing touch.'s Avatar
 
Age: 26
Gender: Female
Location: UK

Posts: 5,996
Blog Entries: 537
Join Date: January 8th 2009

Re: Do you have a credit card? - October 4th 2010, 03:26 PM

no i don't have a credit card but i do have a debit card. it's great for online shopping and i do internet banking which makes it easier to manage my money. i check it every morning because i'm paranoid of getting hacked, i've heard so many horror stories.


..and our dreams will break the boundaries of our fears..



   
  (#31 (permalink)) Old
Member
Not a n00b
**
 
skydivers-in-reverse's Avatar
 
Name: Jessica
Age: 27
Gender: Female
Location: Estados Unidos

Posts: 52
Blog Entries: 7
Join Date: October 8th 2010

Re: Do you have a credit card? - October 8th 2010, 06:03 PM

I have a debit card, and when I build up my savings a little bit(because I go through paychecks like water) I will get a credit card SOLELY to build credit. I spend too much money on clothes and things I don't need already - I recognize that it would be very easy for me to go "Oh, I'm getting payed in three days, it's okay". And while that's okay to do once in a while, I KNOW I would push it over the limit.

I'm going to use my credit card for gas, and that's it, and I'm going to pay it off right away. I'm moving to Boston, and good credit is helpful for signing lease contracts - and while my parents could quite easily sign as a guarantor on any contract, I want to build good credit and good spending habits now.

I'm trying(key word : trying) to maintain a daily spending diary so I can budget appropriately and put a certain % into savings monthly, while paying for car insurance.





Respect the delicate ecology of your delusions
   
  (#32 (permalink)) Old
Ancora Imparo Offline
XVI VIII MMXIV. ♥
I've been here a while
********
 
Ancora Imparo's Avatar
 
Name: Jake
Age: 26
Gender: Male
Location: England

Posts: 1,461
Join Date: October 6th 2010

Re: Do you have a credit card? - October 8th 2010, 06:16 PM

I don't have a credit card but I have a debit card.





When we're lost in the madness, kindness is wisdom.
  Send a message via Skype™ to Ancora Imparo 
  (#33 (permalink)) Old
EmisaurusRex Offline
Member
I've been here a while
********
 
EmisaurusRex's Avatar
 
Name: Em
Age: 29

Posts: 1,435
Blog Entries: 2
Join Date: January 8th 2010

Re: Do you have a credit card? - October 8th 2010, 09:44 PM

I just have a debit card.
I don't want to go into debt and since I don't have a job to pay off a credit card, I'm not going to get one.



Great works are performed not by strength, but by perseverance.
PM me anytime <3
   
  (#34 (permalink)) Old
Antihero
I've been here a while
********
 
Ghost On The Highway's Avatar
 
Name: Ghost
Age: 29
Gender: Duderino
Location: Galaxy 5-0-0

Posts: 1,045
Join Date: January 16th 2010

Re: Do you have a credit card? - October 9th 2010, 04:28 AM

I have one in my name but it's linked to my dad's account. I use it to buy gas, groceries and shit. I use my debit card for pretty much everything else.



The neon burns a hole in the night, and the Freon burns a hole in the sky.
You can find my kind living right on the fault line, eyes on the seaside, lives on the B-side, kites on the power lines.
   
  (#35 (permalink)) Old
Verità Offline
Formerly KeeperOfMysteries
Experienced TeenHelper
******
 
Verità's Avatar
 
Name: Alice
Gender: Female
Location: Wonderland

Posts: 714
Blog Entries: 73
Join Date: July 22nd 2010

Re: Do you have a credit card? - October 21st 2010, 12:32 AM

I'm not older, but I always felt like I'd rather just save up for something and then buy it as opposed to putting it on a charge. Then, you have to pay interest and such, and honestly, I'm tired of credit card companies calling my house all the time =_= So pesky.


’Twas brillig, and the slithy toves
Did gyre and gimble in the wabe;
All mimsy were the borogoves,
And the [mome raths] outgrabe.
   
  (#36 (permalink)) Old
Member
Experienced TeenHelper
******
 
MisplacedDreamer's Avatar
 
Name: Annie
Gender: Female
Location: USA

Posts: 735
Blog Entries: 3
Join Date: June 12th 2010

Re: Do you have a credit card? - October 21st 2010, 02:13 AM

I have two store credit cards and one any-where credit card. I wish I didn't have them. I managed them while I was in high school, but college I ran up a balance buying food when I moved off campus.
  Send a message via AIM to MisplacedDreamer  
  (#37 (permalink)) Old
Algernon Offline
CPT-1 Phlebotomist
Outside, huh?
**********
 
Algernon's Avatar
 
Name: Holly
Age: 28
Gender: Female
Location: Roseville, California

Posts: 4,124
Join Date: January 21st 2009

Re: Do you have a credit card? - October 21st 2010, 02:45 AM

Yes. And I LOVE it. It is a life saver between paychecks.


Geek? Nerd? More like intellectual badass.

"You ran through Africa, and Asia, and Indonesia.. And now I've found you, and I love you. I want to know your name."
  Send a message via Yahoo to Algernon  
  (#38 (permalink)) Old
Kitty. Offline
Member
Jeez, get a life!
***********
 
Kitty.'s Avatar
 
Name: Kitty
Gender: Female

Posts: 6,269
Join Date: January 23rd 2010

Re: Do you have a credit card? - October 21st 2010, 02:56 AM

Nope I do not have a credit card.
  Send a message via MSN to Kitty.  
  (#39 (permalink)) Old
.Brittany. Offline
AKA Reckless Emotion

TeenHelp Addict
************
 
.Brittany.'s Avatar
 
Name: Brittany
Gender: Female
Location: 100 Acre Woods

Posts: 7,914
Blog Entries: 207
Join Date: January 12th 2009

Re: Do you have a credit card? - October 21st 2010, 03:04 AM

I dooo its my bff
Aparently, I have "amazing credit" for someone my age..



“You are braver than you believe,
stronger than you seem,
and smarter than you think.”


HelpLINK Mentor | Live Help Mentor | Article Editor
Forum & Chat Moderator
   
  (#40 (permalink)) Old
ThePunkAlien Offline
Member
Senior TeenHelper
*******
 
ThePunkAlien's Avatar
 
Name: Josh
Age: 31
Gender: Male
Location: Hollywood USA

Posts: 777
Blog Entries: 23
Join Date: January 5th 2009

Re: Do you have a credit card? - October 21st 2010, 04:33 AM

I'm gonna admit I'm probably the Harry Osborn douche here and say I have my parents...


"Maybe I just like people. Maybe sexuality isn't one thing or the other. Maybe it's just something that's shifting and moving. I just know I'm not thinking man or woman."
- SHAMELESS.
   
Closed Thread

Bookmarks

Tags
card, credit

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




All material copyright ©1998-2018, TeenHelp.
Terms | Legal | Privacy | Conduct | Complaints

Powered by vBulletin®.
Copyright ©2000-2019, Jelsoft Enterprises Ltd.
Search engine optimization by vBSEO.
Theme developed in association with vBStyles.