Warrior General Games

Originally posted by InRomoWeTrust
I carry two cards beyond my debits, both of which are super high APR but also high limit. No annual fees (there's really no reason to ever pay a fee unless your credit is whomp for some reason you can't get anything else). It's a layer of comfortableness, where I can go on a vacation or wherever and have no worry about a big payment going on a card. Back when I was finishing my masters, I even put tuition on one of the cards since I could get a % cashback. It was essentially free money in my hands for paying tuition with the card as opposed to writing a check.

from my experience most colleges/universities tack on a % fee for using a credit card, which wipes out just about any cashback bonus you would be getting

I carry a Debit card and a credit card. Only signed up for the credit card because if you spent a certain amount in the first month you got 2 free plane tickets, so I put my tuition on it and cleared the amount for the reward. Now that the annual fees are going to kick in its time to cancel it and not have a credit card. Traveling so much for work I wouldnt want to use it anyway due to the fact i may not be able to pay my bill on time.

I have about 14 credit cards, and none of them have an annual fee.

I pay cash for everything

Originally posted by foshizzel17
I have about 14 credit cards, and none of them have an annual fee.

I used to have one with a $99 annual fee, but I got 2.9% back on every dollar I spent on it.

One term's tuition was enough to pay for the annual fee and then some. All I needed to spend was $3,413.79 a year on that card to cover the annual fee.

Also it was a pretty platinum card. And unlike investing, it immediately gave me more social clout.

Originally posted by Time Trial
I used to have one with a $99 annual fee, but I got 2.9% back on every dollar I spent on it.

One term's tuition was enough to pay for the annual fee and then some. All I needed to spend was $3,413.79 a year on that card to cover the annual fee.

Also it was a pretty platinum card. And unlike investing, it immediately gave me more social clout.

the one i use the most i get 3% back on groceries, 2% back on gas, and 1% back on all other purchases. with no annual fee.


BAM.

Originally posted by foshizzel17
I have about 14 credit cards, and none of them have an annual fee.

commie!

I have no credit cards.

Originally posted by foshizzel17
the one i use the most i get 3% back on groceries, 2% back on gas, and 1% back on all other purchases. with no annual fee.


BAM.

How much back on tuition?

Because the $12,000 a year I paid in tuition got me $348 back, which more than paid for the $99 a year I was paying for it.

Originally posted by Time Trial
How much back on tuition?

Because the $12,000 a year I paid in tuition got me $348 back, which more than paid for the $99 a year I was paying for it.

i aint never paid no tuition.

Originally posted by foshizzel17
i aint never paid no tuition.

Groceries? Who buys those very often?

How much back on delivery?

Originally posted by Karate_Koala
I have no credit cards.

Me either. Never have, never will. Cash is king. Plus I never liked the idea of spending money that isn't mine and then having to pay back more than what I spent.

Originally posted by glbisthewaytobe
Me either. Never have, never will. Cash is king. Plus I never liked the idea of spending money that isn't mine and then having to pay back more than what I spent.

well, you dont have to pay back more than you spent, if you pay it off every month. i basically just pay less for stuff than you do.

Originally posted by foshizzel17
well, you dont have to pay back more than you spent, if you pay it off every month. i basically just pay less for stuff than you do.

I don't do loans either, which is what I was speaking more towards with that comment.

Originally posted by glbisthewaytobe
I don't do loans either, which is what I was speaking more towards with that comment.

And someday when you need credit, the rates that they offer you are probably going to be terrible.