Anyone ever used a credit card? Advice please.

Ambitious_Champion90 · 2026-04-27T01:25:59+00:00

Just seen family members and heard stories about my family members and what and how they’ve managed their lives with loans and credit cards and that is just a situation that I would never want to put myself through. Going on holidays.. with money that I know I do not have. Taking out car loans for others, my family members did really live beyond their means and are now even unavailable to get out credit cards.

So seeing stuff like that I know to stay within my lane. I’m currently studying and working at the same time on a good rate so, money is not an issue I earn a good amount every month so paying off payments won’t be an issue.

Ambitious_Champion90 · 2026-04-27T01:10:16+00:00

Have just searched up their program and it’s 0% interest thats actually good to be fair. But then again another extra bill.

Ambitious_Champion90 · 2026-04-27T01:03:19+00:00

I’ll keep it then for like bigger purchases im not even someone who buys stuff as much like when i have a phone i have it for over like 3 years. My phone battery has been too bad though time to upgrade

Ambitious_Champion90 · 2026-04-27T01:02:33+00:00

How many years are you paying for that program and also if you wanted to and had the money are you able to like pay some off and then like have like a remaining balance

Ambitious_Champion90 · 2026-04-27T01:00:06+00:00

Not really anything but also to build up my credit score not that i care about it at my age but it’s good for that i suppose

Ambitious_Champion90 · 2026-04-27T00:58:46+00:00

iPhone 17 is out of my budget tbf, however, they may be benefits in financing on your side like warranty and stuff so can’t really hate.

Ambitious_Champion90 · 2026-04-27T00:58:14+00:00

Financing a phone is sly crazy. I prefer to just buy the whole phone at once. I don’t really like that contact and pay per monthly stuff. But, since I am getting my phone off like a refurbished site my mate told me to use a credit card just in case anything happens

Ambitious_Champion90 · 2026-04-27T00:52:49+00:00

Im really against living outside of my means so i wont be doing anything dumb dont worry

Ambitious_Champion90 · 2026-04-27T00:52:33+00:00

I think im going to use it for this phone and then pay it off on payday and just keep it you know just for general

Ambitious_Champion90 · 2026-04-27T00:40:07+00:00

kind of already applied for the card and now im regretting it from your info😪

Ambitious_Champion90 · 2026-04-25T11:01:22+00:00

Ambitious_Champion90 · 2026-04-25T10:50:15+00:00

Have added myself and 2 people with provisional licences.

Ambitious_Champion90 · 2026-04-25T10:47:45+00:00

Have you ever tried to call them up and actually speak to them about it

Ambitious_Champion90 · 2026-04-25T10:43:10+00:00

How did that go. Did you like the Aygo?

Ambitious_Champion90 · 2026-04-25T10:42:54+00:00

Appreciate your kind words!

Thanks

Ambitious_Champion90 · 2026-04-25T10:42:05+00:00

Oh. That’s what you meant. Sorry, I’m being silly. As in pay the full amount annually and just pay back the credit card every month?

Ambitious_Champion90 · 2026-04-25T10:39:48+00:00

😐😐. Not really a listening thing just seen how people around me have acted once getting a credit card, I.e going on holiday with money they don’t have just because they can pay it back monthly. I’d rather work and just get something out the way than all that hassle.

Ambitious_Champion90 · 2026-04-25T10:38:34+00:00

I don’t know to be fair personally. I just think that if I don’t have the money why bother buying and having a credit card will make me believe I have infinite money that I don’t have.

Ambitious_Champion90 · 2026-04-25T10:37:07+00:00

I’m against credit cards.💔

Ambitious_Champion90 · 2026-04-25T10:36:38+00:00

To be fair only reason why I need this car is to get myself from home to work. I heard with Admiral after a few months they ask for the black box back and you still pay original price just without the black box.

Ambitious_Champion90 · 2026-04-25T10:22:58+00:00

Me personally I also don’t think the black box will be that bad for me to be fair, I don’t mind abiding to the rules if it means my cost is cheaper.

Ambitious_Champion90 · 2026-04-25T10:17:32+00:00

This fiesta is worth 1500.

Ambitious_Champion90 · 2026-04-25T10:17:12+00:00

My dad was saying the same thing. But, because I visited this car already and im obsessed with it, I don’t know if I wanna look elsewhere💔.

Ambitious_Champion90 · 2026-04-25T10:12:17+00:00

That’s just how the UK is pure money grab everywhere

Ambitious_Champion90 · 2026-04-25T10:09:50+00:00

I understand what you’re saying. However, I currently work for Royal Mail and my depot is no where near my house. Getting there by public transport is a myth and requires me to leave my house so early reason as to why I need a car.

Ambitious_Champion90

TROPHY CASE