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Joined: Sep 2004
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jl2fast4u
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jl2fast4u Oct 22, 4:21am - #306399 
2001 Black Toyota Celica GT
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2001 Toyota Celica GT

Joined: Sep 2004
Posts: 323
Central Ca
Alright guys, I need your advice please!

I am starting to become impatient because I want to purchase an AEM Intake. Here is my situation...

Next week when I get paid I am going to pay off my old credit card ($300) and use the rest for an oil and tranny fluid change and gas, etc. Then 2 weeks later, my new check will be going towards my car payment and insurance, so that will be gone. Then 2 weeks after that I will be able to afford the Intake, but I don't want to wait over a month.

So I just got a new credit card (from citibank) and I'm getting rid of my old one (after I pay it off next week). On this new card I have 6 months of absolutely no interest. So I was thinking, maybe I should take advantage of that deal?

I was thinking I should buy the AEM Intake using my credit card, and then pay off that $200 BEFORE I ever purchase something else (that way I don't start going down the road to debt). Also, since there is no interest, that is a pretty good idea.

What do you guys think? What would you do? I know it's only $200, but still, I hate using my credit card but I do become impatient sometime.

I told my parents about this and they said that they know I am responsible and I'm an adult, but I just have to be safe with CC's.

Advice?

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'01 Black Celica GT 5spd - custom catback exhaust, polished AEM CAI, TWM SS, TYC black tails, 6500k h3/h7, s2000 antenna, tein s.techs, 35%/5% tint, debadged
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Posts: 413
defyenz
Senior Member
defyenz Oct 22, 4:27am - #306400 

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2003 Toyota Celica GT

Joined: Oct 2003
Posts: 413
San Diego, CA
yeah i wanted to do that for my first quarter bill for school but they didn't accept credit cards so the money for my rims went there. i think its a good idea either way, if you pay it off or not since its only 200 and you'll learn from the experience. if you can't pay it off, the interest won't be that much and you'll know not to do that again or know what you need to do to be able to pay it off next time.

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jl2fast4u
Member
jl2fast4u Oct 22, 4:31am - #306401 
2001 Black Toyota Celica GT
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2001 Toyota Celica GT

Joined: Sep 2004
Posts: 323
Central Ca
Originally Posted by defyenz
yeah i wanted to do that for my first quarter bill for school but they didn't accept credit cards so the money for my rims went there. i think its a good idea either way, if you pay it off or not since its only 200 and you'll learn from the experience. if you can't pay it off, the interest won't be that much and you'll know not to do that again or know what you need to do to be able to pay it off next time.


Yeah I think I'm going to do it. Since I don't have any school fees until spring (got fall and winter paid for already) I think it's time to get another mod. It's only $200; if it was $2000 or something then I would start getting scared. grin

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'01 Black Celica GT 5spd - custom catback exhaust, polished AEM CAI, TWM SS, TYC black tails, 6500k h3/h7, s2000 antenna, tein s.techs, 35%/5% tint, debadged
Joined: Oct 2003
Posts: 413
defyenz
Senior Member
defyenz Oct 22, 4:33am - #306402 

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2003 Toyota Celica GT

Joined: Oct 2003
Posts: 413
San Diego, CA
haha k, but don't overdo it and go on a spree grin

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Stephen
Specialist
Stephen Oct 22, 9:19am - #306403 
2003 Silver Toyota Celica GT
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2003 Toyota Celica GT

Joined: Jan 2003
Posts: 1,577
Go for it thumbsup I make payments on my CC almost weekly...gets it paid off faster and the CC company likes you more.
Joined: Sep 2004
Posts: 912
iggy
Senior Member
iggy Oct 22, 9:24am - #306404 
2004 Spectra Blue Toyota Celica
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2004 Toyota Celica

Joined: Sep 2004
Posts: 912
PA, United States
I never carry a balance on a CC, I just use it and pay it off every month. cool

Plus this builds a mad credit score. If you can wait just pay cash, if your 100% sure you will have it paid off in 6 months go with the CC. thumbsup

Just make sure to send the money early to avoid interest. spineyes

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csheriff
Senior Member
csheriff Oct 22, 9:59am - #306405 
2002 Red Toyota Celica
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2002 Toyota Celica

Joined: Oct 2003
Posts: 760
Wyoming
I dont know man, it seems innocent, but get started on that road and you might never make it back...trust me.

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