kid named lobotomy
pronouns tomorrow
4 Likes
Remember to not overspend because they can misleadingly tax you more without knowing!
1 Like
ah
now i must judge you
what card
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also the general rules of credit cards (in the USA at least) are:
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If you are not planning on getting a loan of any kind in the next few months, let your statement close and then pay off your full statement balance before the due date
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If you are planning on getting a loan of any kind in the next few months, pay off your card right before your statement closes (so your statement says $0)
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Either way, you should never spend more on your credit card than you have in your bank account, and you should always be paying off the full amount you have spent on the card each month before or on your payment due date
6 Likes
Minecraftle 2025-07-18 3/10
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the student one from purdue credit union
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fair enough
definitely good to get one ASAP pmuch since credit history is only built over time
really prolly shoulda had one sooner to be optimal but like it probably will never really matter
3 Likes
esp since u just got a used car and ideally won’t be needing a car loan any time soon
3 Likes
I’m gonna build big credit
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good plan
but yeah unfortunately a large part of credit score is just average age of accounts so if you’re just getting your first credit card right now your average account age is going to be incredibly low
4 Likes
I procrastinated too long 
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wrong. credit cards are like free money. spend up to the max.
7 Likes
i mean (jokes aside) you can spend up to the max without any issues at all
you just need to pay it off so you don’t get hit with interest 
6 Likes
what even is credit sounds cringe
5 Likes
that thing you need to play Uma Musume
5 Likes
it would be funny to put my whaling on a credit card ngl
3 Likes
i suspect that would be an incredibly bad idea
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you don’t understand i need MLB SSR kitasan black bro
3 Likes
We seen big pharma, now we get big banka
2 Likes