Monkey's Magical Treehouse of Awesomeness

[npixelz]

Yeah, no, I know. That was separate. Just something I thought of because it's similar. Although it's not a company card, it's a store card, it's just a store card for the company I work for.

[Lemon Cheesecake]

I like your Avatar Monkeygirl...I forgot about those Hawaian shirts. First i thought it was a scarf. I am going to haver to check out my inventory.

[npixelz]

Everyone's avatars are awesome!



In other new there's an alarm going on at work and I have a major headache. -.-

[MonkeyGirl18]

I know. But I think my parents are kinda being "we don't want you to have a credit card" about it.



I don't blame them. I keep forgetting to pay my phone bill and student loan bill. :/

[galled]

Autopay is very convenient. If you're not responsible enough yet, then that's a big problem. Bad credit is worse than no credit. However credit is highly based on time (how long), so getting a card and not using it is still very valuable credit wise.

[npixelz]

At work, during the alarm, we were talking about credit cards and lines of credit. I didn't understand most of what they said. ^^

[galled]

They're similar in that you get to spend money you don't need to have on hand. The difference are credit cards (and not the variations that require you to have money on hold etc.) offer some protections against fraud and you usually get a grace period (usually about 25 days) where no interest is charged. You start paying interest on lines of credit (LOC) as soon as the money is transferred if you're getting money from a bank. However, if you're dealing with a supplier LOC, you get a period of time to repay without penalty/fees. In fact, it used to be common to receive a discount if you paid quicker.

[npixelz]

*brain explodes* habababa, agagaga, robobobo, aaaa. Hididididi, daaaaa, what?

[galled]

OK, simple answer is credit cards have more advantages in most instances if you can pay off/not keep a balance.

[npixelz]

Ah, ok, I see.

[Lemon Cheesecake]

our weather has been close to 90F

[npixelz]

I haven't paid attention to the weather where I am but I can guarantee it's way lower.

[MonkeyGirl18]

Thank goodness my weather hadn't reached 90°F.

Highest so far has been 60-70's.

[npixelz]

I don't think mine has even reached that, we're still getting a little snow. ^^

[galled]

60-70's is perfect!

Snow?! Ack!