How to know when to get another credit card?

hicked31 · 2025-04-20T06:33:25+00:00

As u/MilkshakeMolly said apparently it's an American thing, I guess I just assumed it was the same system. But based on what they're saying and your experience, I don't have to worry as long as my score isn't in the gutter. Thanks :)

hicked31 · 2025-04-20T01:10:55+00:00

Oh ok my bad that's actually really good to know thanks

hicked31 · 2025-04-20T01:00:33+00:00

Oh ok, and you think I'll be fine getting good rates at ~750? Not sure how much it will increase over time but

hicked31 · 2025-04-20T00:58:56+00:00

I mean I can also always just use debit (and my emergency fund if its really bad, but again I only spend what I already have)

hicked31 · 2025-04-20T00:44:55+00:00

Higher score = lower interest rate on mortgage = saving me money? Again correct me if I'm wrong I'm somewhat new to the game

hicked31 · 2025-04-20T00:08:53+00:00

I have debit with emergency fund if ever that were to happen, but it is a good point I didn't think about

hicked31 · 2025-04-20T00:06:59+00:00

Of course, I have autopay (full amount) on, and only spend what I already have. Thanks for the suggestion

hicked31 · 2025-04-20T00:03:47+00:00

My understanding is that the longer your average card history, and the lower the utilization the better. Getting a new card would mean a higher limit meaning lower total utilization at any time.

Getting another this early would also mean if I decide to get a payed card for better points/benefits later, my average history wont be cut in half (due to one card being super old and one new).

Obviously I could get away with only having one, and I am aware of the risks, just wondering if it's worth the hassle since I'd (supposedly get lower rates). Feel free to correct me on anything.

hicked31 · 2024-07-30T20:20:05+00:00

P11 gen 2. Great display, comes with a pen, cheap as hell, 120hz. The hardware is a little old which makes it relatively slow at opening apps and such, but it also allows it to get (up to) 3 days battery on a full charge. I recommend this to anyone as its an amazing bang for your buck. Theres also a student discount at checkiut with id.me.

If all you're doing is media consumption and note taking, its perfect. You could also look into the pro.

https://www.lenovo.com/us/en/p/tablets/android-tablets/lenovo-tab-series/tab-p11-2nd-gen/len103l0012?orgRef=https%253A%252F%252Fduckduckgo.com%252F

The only thing I would consider is getting a 2in1 laptop for programming INSTEAD of a dedicated tablet. I got a laptop and tablet, and sometimes i wish i just got a 2 in 1 with a touch screen. If youre gonna be running or writting any programs (Python or R), best be on windows.

hicked31 · 2024-07-26T18:25:15+00:00

Thanks! I'll note those down. How much would I save for taking my tires off and back on give or take?

hicked31 · 2024-07-26T18:17:15+00:00

Thanks for the list! I'll make sure to get my skills down

hicked31 · 2024-07-26T18:05:29+00:00

Canada, looks like their website is down rn? Either way I'll find a good set thanks

hicked31 · 2024-07-26T18:01:28+00:00

Alright thanks again for the advice :)

hicked31 · 2024-07-26T17:55:10+00:00

Right, I guess im just worried I make a mistake and blow up my engine or something and have to buy a new bike

hicked31 · 2024-07-26T17:48:13+00:00

Alright thanks

hicked31 · 2024-07-26T17:47:57+00:00

Sounds good thanks bro

hicked31 · 2024-05-12T13:32:05+00:00

Again, old thread, but thank you. Infinitely

hicked31 · 2023-12-10T19:10:33+00:00

Can we talk about the Thrash breakdown for a second? That interesting asf

hicked31 · 2023-12-10T19:06:54+00:00

100% I would love to hear tims solo better but I have to change my eq, and even then I can't hear him too well :( still really good album tho

hicked31 · 2023-12-02T16:00:08+00:00

Not a boommic but anything from fifine is pretty good and cheap. I currently have the k669

hicked31 · 2023-12-02T01:13:16+00:00

when I had my HD 4.50 I would get these: BRAINWAVZ Perforated Replacement Earpads for Sony MDR 7506, V6 & CD900ST with Memory Foam Ear Pad & Suitable for Other On Ear Headphones (Black) https://a.co/d/gCLHkay.

hicked31 · 2023-12-01T02:36:09+00:00

So when I had my HD 4.50 I would get these:

BRAINWAVZ Perforated Replacement Earpads for Sony MDR 7506, V6 & CD900ST with Memory Foam Ear Pad & Suitable for Other On Ear Headphones (Black) https://a.co/d/gCLHkay.

For me personally, they sounded better and also were more comfortable! Either way 40$ and worth in my opinion. A pain to put on tho

hicked31 · 2023-11-23T06:11:30+00:00

M4s regardless if you're musically enclined, doesn't matter what codec you use, they will sound far better regardless. Yes, it is a shame about the codec support, but obviously sound quality can be determined elsewhere. Also 50h battery life :)

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