[Teufel_Hunden]

There's an actual place called Big O Tires??

[Pidipompi]

Originally Posted by upstatedoc

Do you get more chicks in college if you drive a BMW? I mean I drove a Volkswagen and I still got laid.

They don't know the difference between a Toyota and BMW

[IllSic_Design]

Originally Posted by Teufel_Hunden

There's an actual place called Big O Tires??

If you're being serious, yes.

[Axius]

Originally Posted by upstatedoc

Do you get more chicks in college if you drive a BMW? I mean I drove a Volkswagen and I still got laid.

Drive a solid white panel van with 5% tinted front windows if you want some real action.

[Delta0311]

Originally Posted by Axius

Drive a solid white panel van with 5% tinted front windows if you want some real action.

And let all your lady passengers know:
If rape is inevitable; AND IT IS!!! Try and enjoy yourself.

[Axius]

Originally Posted by Delta0311

And let all your lady passengers know:
If rape is inevitable; AND IT IS!!! Try and enjoy yourself.

"Please enjoy the ride at all times and do not stick your hands or feet out the windows for safety purposes. Thanks, and fasten your seatbelts!"

[wdb]

Sorry, van is being used in ban thread.

[MightyMouseTech]

Originally Posted by Delta0311

And let all your lady passengers know:
If rape is inevitable; AND IT IS!!! Try and enjoy yourself.

The "implication".

And , this thread is such a train wreck.

[CTinline-six]

Definitely try and pay it off as soon as possible. Many of these "credit cards" through companies like this will jack up the interest in a few months or have hidden fees you don't find out about until after. That is how they make money, because there has to be something in it for them if they are offering you these services.

Building credit is definitely a good thing, but it has to be manageable. My GF has a bunch of debt on a few different cards because she forgets which one is which and can't keep track of them. This is how people get into trouble. Find one card that offers rewards you like and use it often, but always pay the balance in full or close to full every month. I use my card for gas, food, online purchases, etc, but always pay it off in full. It is a great way to both monitor spending and build credit in a manageable way.

[zx10guy]

These finance companies make money from the retailers. I had a friend who used to manage an A/V boutique store. So I got to see all the inner workings of how business is done to include seeing what they pay for equipment before marking it up to the customer. They had in house financing to facilitate people to buy now if they didn't have the funds to buy out right and pay it back later with the zero cash/zero percent finance if paid off in x number of months. I took advantage of this program a few times. Never had a problem with any hidden fees. As long as you pay it off before the promo end date, you're fine. The statements you get will show you what the interest rate is, the accumulating interest which you'll be on the hook for if you don't pay in full at the end of the promo, and when the promo ends. Just have to be diligent in making sure not to miss that expiration date.

While many poo poo using these types of programs, as long as you know full well what you're getting in to, and make sure you don't fall into the trap, I see no reason not to use someone else's money for free. Reminds me of the other group that says credit cards are evil. Pay cash for everything. Yes credit cards can get you into trouble. But as long as you keep track of spending and pay off in full, I don't see a problem there either. The pay cash for everything crowd neglects the benefits and protections offered by credit cards. I use credit cards for most everything I buy because of the cash back I get along with the buyer's protection in the form of extending warranties and loss/theft protection.

[OlBloo]

Pidipompi,

These guys are giving you some very valuable advice. I advise you take it.

Often the advice you don't want to hear is the best you are going to get. Life lesson

Sell the car for something more economical. If you are like the rest of America then you are going to be complaining about you 50k college loans. Start paying them off now and enjoy the college experience. College is the worst time to be making car repairs/mods

Get a CC and treat it like a debit card. Pay it off full before the due date and you'll raise your credit score while paying no interest.

[Pidipompi]

Originally Posted by OlBloo

Pidipompi,

These guys are giving you some very valuable advice. I advise you take it.

Often the advice you don't want to hear is the best you are going to get. Life lesson

Sell the car for something more economical. If you are like the rest of America then you are going to be complaining about you 50k college loans. Start paying them off now and enjoy the college experience. College is the worst time to be making car repairs/mods

Get a CC and treat it like a debit card. Pay it off full before the due date and you'll raise your credit score while paying no interest.

Yes I am taking in their advice quite well, thank you.

[3rdcoast228i]

Originally Posted by Pidipompi

I'm currently still paying off my BMW. (It's hard being a college student, having a job, and now it's gonna be real harder to deal with you)

Didn't say I was buying tires.

But if you are gonna assume it's gonna make an ASS(of)U(and)ME

Was supposed to get my pads replaced since
they had a groupon for $85 but it didn't go as planned.

Had my brake pads and rotors replaced with the brake fluid flushed which cost $600 (6months no interest)
My lower control arms need to be fix and was qouted $1400, didn't have the money so I applied for a credit card and was approved for $700 (which I used for the $600 repair)

I don't plan to make another purchase with the card until I'm done paying the $600.

So all i'm asking is that can I use the same card for a different purchase. He said it was a Citi Bank credit card.

Still scratching?

Sounds like you can use the card elsewhere, find out if it's a visa, master card, ect...

The simple answer is to use the the card only in case of emergencies. The 0% interest will only last for that 6 months. After that the rate will skyrocket to probably 20% or more depending on credit. I'm assuming you don't have long term credit established.

You also don't want to max the card out, as that can actually hurt your credit. Minimum payment will not pay the card off either.

Do yourself a favor and don't take these other commitments personally. They are trying to communicate the fact you should not be using a credit card unless it's an emergency or plan to pay it off in full at the end of the month.

[P1]

OP, walk take that BMW over to the nearest VW dealership and get yourself a nice GTI.