Quote:
Originally Posted by onewhippedpuppy
Is your current card working for you? If so, why mess with it? Not even having the OPTION of charging up $15k of debt is a bonus. We'd all be better off if the only card offered was a debit card.
Nothing personal, I wish everyone your age had your responsible attitude. When I was in college I knew way too many people that took their "free money card" shopping and ended up at home with mom and dad to pay off their shopping spree.
|
My current card is ok, but the $800 limit is kind of a pain. I try to for as much as possible with the card, but I sometimes have to pay close attention to how I distribute my money across credit and debit because I will go over the $800. It will be much more convenient that when I make the occasional big purchase, I can just put it on one card.
I probably average about $200-250 a month in card activity. The only reason that it would potentially increase with the new card is that if I make a big purchase, it will go on that instead of the debit card (or my parent's credit card). I've always had plenty of cash in the bank and am frequently tempted with new and exciting ways to spend it, but I typically resist. I was all set to buy an HDTV this christmas, but now I am going skiing in Canada with my buddies. The $500-$600 allotted for the tv just got claimed by the ski trip. I have enough to do both, but I don't believe it is prudent for me to drop over $1000 at Christmas.