For those who actively use OSBot & PayPal given you're not a 12 year old and have established a good credit score and know what a credit score is. You can essentially get your lifetime sponsor paying $25 a month to PayPal essentially being cheaper then doing the non-lifetime Sponsor. Just a tip for anyone who does other digital shopping the no interest 6 months through PayPal can be rather useful. 

6 minutes ago, Chef Sk1llz said:

For those who actively use OSBot & PayPal given you're not a 12 year old 

fuck 

2 minutes ago, Drewyboyo said:

fuck 

Maybe on your 13th birthday next year your mom will let you. 

Just now, Chef Sk1llz said:

Maybe on your 13th birthday next year your mom will let you. 

Mom? I'm a test tube child.

I have a third eye.

1 minute ago, Drewyboyo said:

Mom? I'm a test tube child.

I have a third eye.

In that case you're fucked. 

18 minutes ago, Chef Sk1llz said:

For those who actively use OSBot & PayPal given you're not a 12 year old and have established a good credit score and know what a credit score is. You can essentially get your lifetime sponsor paying $25 a month to PayPal essentially being cheaper then doing the non-lifetime Sponsor. Just a tip for anyone who does other digital shopping the no interest 6 months through PayPal can be rather useful. 

5 credit lines is enough for me since I'm already actively paying them off :p

Or you can stop living on credit and live a worry-free life

9 minutes ago, Jordy said:

5 credit lines is enough for me since I'm already actively paying them off :p

The ideal credit lines to have is 8 if you're trying to build your credit efficiently. I have 7, but don't carry balances on any of them. 

6 minutes ago, Abuse said:

Or you can stop living on credit and live a worry-free life

You're thinking about it in the wrong sense. Credit and debt isn't a bad thing. It's a good thing.

6 minutes ago, Abuse said:

Or you can stop living on credit and live a worry-free life

^This

I've never understood people willingly living on credit (besides mortgages).

5 minutes ago, Howest said:

^This

I've never understood people willingly living on credit (besides mortgages).

Credit is a good thing. I don't see why you would want to not have credit when you can easily use it.

13 minutes ago, Chef Sk1llz said:

The ideal credit lines to have is 8 if you're trying to build your credit efficiently. I have 7, but don't carry balances on any of them. 

Yeah but until my vehicle is paid off its a 300$/month payment right there so idk i have like 500$/month going to cc's 2 paid off 3 with a balance almost done

3 minutes ago, RoomScape said:

Credit is a good thing. I don't see why you would want to not have credit when you can easily use it.

I know it's good, you can apply for lower taxes etc.

That's why I said I can understand people having mortgages.

I just don't know why people would get more than 1 credit card (e.g. a Visa card here in Belgium).

Never understood that, I've always been taught never to buy something (besides a car / house) which you can't afford.

 

EDIT: afford being equal to be able to buy the product you want atleast 2-3x

Edited February 13, 20178 yr by Howest

Just now, Howest said:

I know it's good, you can apply for lower taxes etc.

That's why I said I can understand people having mortgages.

I just don't know why people would get more than 1 credit card (e.g. a Visa card here in Belgium).

Never understood that, I've always been taught, never to buy something (besides a car / house) which you can't afford.

You were taught wrong.

Most people don't understand credit and give the wrong advice. Not saying to go buy everything and throw it on a credit card, but it's a good thing to have access to.

Well, things work differently in europe than america when it comes to credit. Europe has a completely different mentality regarding the subject. It's much more common to have multiple credits in the US (and UK) than most countries in Europe