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NiGHTS Icrontian

About

Username
NiGHTS
Location
San Diego
Joined
Visits
2,351
Last Active
Roles
Curator
Points
962
Badges
64
Birthday
January 15, 0000
Location
San Diego
Twitter
@NiGHTS_
Steam
_NiGHTS_
Skype
d.kenkel
Occupation
Accountant
  • Re: Humble Freedom Deal

    *3M

    primesuspectCB
  • Re: Building credit through gaming!

    @aspieRommel said:
    Which line of credit should I go for?

    You're going to be limited in what line of credit is offered to you, to be honest. A quick search on google for student credit cards will give you a good start, but often times your savings/checking bank you use will be easiest to get a line through.

    What is an optimal interest rate for someone like me?*

    Again, you don't get to choose, expect 30+% APR. In the end, it won't matter, because you're going to pay off the balance timely and won't utilize interest.

    Should I go automatic billing or pay it manually?

    Up to you.

    What billing cycle should I go for (if it gets to that) ?

    To maximize your credit score, you cannot exceed 1/3 of your total available lines of credit without incurring penalty. Which means if this is your first card, and you have no student loans, no car payments, etc. in your name: take your available line of credit and multiply by .3. If you exceed this 1/3 rule, nothing really notable changes, but your credit worthiness is scrutinized. Again, if you pay off timely, none of it will matter.

    Use the card, let the balance report to the credit bureaus, pay off immediately. It's important to note that if you're spending on the card but pay before the billing cycle is up, you report $0 usage to the bureau and receive no benefit for being timely (read as: too early) in your payment.

    mertesnmalia
  • Re: Star Wars Battlefront

    sigh Wilhelm scream at :40. Thanks @CB, I can never un-hear it now...

    CB
  • Re: Icrontian Speedrunner?

    IIRC @DontCallMeKelso has quickest run on Sonny's mom.

    BobbyDigi_kDontCallMeKelso
  • Re: Ivan learned a new game

    I'm pretty sure... @Winfrey? has survived the entire roulette

    _kGnomeQueen