me jackass

yeah yeah they are

:iagree:

I spend way too much money :(

heh...lol

preeching to the choir... however im managing to climb out of the hole... its a nice feeling

I dont have a single credit card...I just spend too much (cash) money

Man I'm glad I don't have any credit cards or debt.

yeah

i finally paid everything off my capitol one bill last month and i paid for my apartment yesterday and a car payment and a half it is a nice feeling to not be in a rediculous amount of debt anymore

I feel like saving up to buy a "real car" :roll:

honestly though you are going to want to do that

get a credit card and establish some credit

me too. after this tattoo though i should be good.

Thats what my cell phone bill is for, duh :roll:

went from about 15-16k and high interest in ... to about 12k and lower interest in less than a month

contrary to popular belief that doesnt do **** for ur credit

Dam :mad:

Protip: cell phone bill won't do **** for your credit.

Get a secured credit card if you can't get a regular one. Don't get a card from a subprime lender (like Cross Country Bank).

i have a credit card, use it only for money that i have, and can spend. i'm pretty smart about it. not a typical female in that sense.

yayy!! i refinanced my car loan 2 months ago lol i went from 8000 left on the loan with a 9.44 percent interest rate to 7500 with a 6.1 interest rate lol ive paid off almost half the car in one year lol

start small and get a gas card thats what i did
just keep paying it off though and then move up to a big kid credit card ya gotta put down the ducky sometime zero

i am assuming capital one would be prime? or subprime?