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Plastic scrap?

Old 03-14-2012, 09:36 PM
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Originally Posted by 69gto96z View Post
From what everyone says, if you are under 30, you are technically still young. People still call me young, and I am 24
It's really a moot point, but young was the adjective describing the money and not the retardedpenguin.
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Old 03-15-2012, 06:54 PM
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Huh. All this talk about credit makes me want to go take out a nice loan and get some Go-Fast parts I have zero established credit, not a single point to my name. I know it would be stupid to finance parts with credit, but man that is tempting
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Old 03-15-2012, 09:31 PM
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Originally Posted by 69gto96z View Post
From what everyone says, if you are under 30, you are technically still young. People still call me young, and I am 24
he's like 18 or 19 lol
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Old 03-16-2012, 09:55 PM
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Originally Posted by eLiT3SnIpEz View Post
Huh. All this talk about credit makes me want to go take out a nice loan and get some Go-Fast parts I have zero established credit, not a single point to my name. I know it would be stupid to finance parts with credit, but man that is tempting
Don't do what I did, big mistake lol
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Old 03-17-2012, 01:19 AM
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Originally Posted by kingd_202 View Post
Don't do what I did, big mistake lol
What's the downside? Aside from debt/interest.
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Old 03-17-2012, 01:44 AM
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Originally Posted by eLiT3SnIpEz View Post
What's the downside? Aside from debt/interest.
Nothing really, I kind went a little crazy with it buying parts with money I didnt have...
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Old 03-17-2012, 01:45 AM
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Originally Posted by kingd_202 View Post
Nothing really, I kind went a little crazy with it buying parts with money I didnt have...
Damn, and I'm one of those irresponsible ************ type of people
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Old 03-17-2012, 11:22 AM
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Originally Posted by eLiT3SnIpEz View Post
Huh. All this talk about credit makes me want to go take out a nice loan and get some Go-Fast parts I have zero established credit, not a single point to my name. I know it would be stupid to finance parts with credit, but man that is tempting
Get yourself a low limit card. Run a couple hundred on it a month and pay it off. After a few months or so, apply for another card with 0% apr for 12-18 mo. Buy parts with that. Pay it off before the deadline.

creditcard.com, check it out.

You need credit. Unless you're going to pay cash for a new house, car, or furniture. Credit is not bad. Paying interest is not bad. Paying high interest on a high balance and making minimum payments is bad.
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Old 03-17-2012, 03:11 PM
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Originally Posted by zero2sixT View Post
Get yourself a low limit card. Run a couple hundred on it a month and pay it off. After a few months or so, apply for another card with 0% apr for 12-18 mo. Buy parts with that. Pay it off before the deadline.

creditcard.com, check it out.

You need credit. Unless you're going to pay cash for a new house, car, or furniture. Credit is not bad. Paying interest is not bad. Paying high interest on a high balance and making minimum payments is bad.
Yea, thats were I really fucked up on.. High interest on a high balance and paying the minimum...
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Old 03-17-2012, 04:05 PM
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When people say high interest rates, how high are we talking here? 8%? 10%?
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Old 03-19-2012, 10:21 PM
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Originally Posted by eLiT3SnIpEz View Post
When people say high interest rates, how high are we talking here? 8%? 10%?
Interest on a card can get up to 29.99% if your not careful.
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Old 03-19-2012, 11:41 PM
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It's good to see this old thread still has some life left in it after taking the weekend off..
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Old 03-20-2012, 12:36 AM
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Is retardedpenguin dead or what? Haven't seen the kid post in awhile?
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Old 03-20-2012, 02:57 AM
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Originally Posted by kingd_202 View Post
Is retardedpenguin dead or what? Haven't seen the kid post in awhile?
He is pondering on what the next clever thread should be about.
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Old 03-21-2012, 01:30 PM
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Probably got busted stealing scrap and is awaiting arraignment.
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Old 03-21-2012, 02:48 PM
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Originally Posted by 92maro View Post
Probably got busted stealing scrap and is awaiting arraignment.
this
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Old 03-21-2012, 04:17 PM
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If you use your credit right you can make money with it. If I have 20k cash I would rather finance a car at 5% interest and keep the cash for buying and selling part/cars. I can usually turn that 20k into 30k in less than a year.

The only time I use my credit cards is when I get 0 percent interest and use the cash for other things. If it say 12 months interest free have it paid off in 11 because it does not mean 12 payments interest free.
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Old 03-21-2012, 10:05 PM
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Originally Posted by 92maro View Post
Probably got busted stealing scrap and is awaiting arraignment.
Good call! That would be the best RetardedPenguin thread yet. "Anyone know a good lawyer?"
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Old 03-22-2012, 05:38 PM
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I'm sorry my life isn't based around a car forum?
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