Denied!

[xtopher]

huh???? i havea debit card and cheques... wtf is check card is that an american thinger?

 

[shecky]

http://usa.visa.com/personal/cards/debit/index.html

 

[notjustjay]

ah but somethings you can ONLY get online therefore credit card...then what do you do?

Well the trick is to pay off your bill in full every month. Common sense says that the only way to do this is to not spend more than you have available to you. If you want to really be disciplined, then as soon as you've placed that $75 order on Amazon, immediately log into your banking website and transfer a $75 bill payment.

Conversely, if you're looking to buy a $2000 laptop on credit, make sure you physically have $2000 in the bank first. If you don't -- and resist this temptation as much as possible -- then DON'T BUY IT! Don't ever fall for the "Well, I don't have it right now, but I will in a few weeks..." trap.

 

[xtopher]

thats what i do im thinking about buying another macbook but i have to put it on credit cuz i dont have a check card thing and its BTO so im saving untill i have the money then ordering it then payin it back minutes after the order