View Poll Results: At which age, you had your first credit card?

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  • 12-18 years old

    5 9.80%
  • 19-25 years old

    29 56.86%
  • 26-35 years old

    17 33.33%
  • 36-45 years old

    0 0%
  • 46 years old and above

    0 0%
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Thread: Your First Credit Card?

  1. #21
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    Default Re: Your First Credit Card?

    Quote Originally Posted by yeekhai View Post
    you are ninja
    LOL. What has ninja got to do with eating?


    GMAN

  2. #22
    Senior Member scud's Avatar
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    Default Re: Your First Credit Card?

    i cant remember when i last used my credit card ...

  3. #23

    Default Re: Your First Credit Card?

    Quote Originally Posted by Ninja23XX View Post
    At which age did you own your first credit card? I see many teenagers having so many credit cards in their wallets. What do you think about it. I myself, do not own a credit card.


    GMAN
    There's a subtle yet significant difference between owning a credit card and BEING OWNED by credit cards. Quite hard to tell these days

  4. #24
    Moderator ortega's Avatar
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    Default Re: Your First Credit Card?

    a credit card is a double edged sword

    wield it wisely or you might end up getting cut badly

    once you dig a hole using credit, it will only get deeper and deeper

  5. #25
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    Default Re: Your First Credit Card?

    Quote Originally Posted by ortega View Post
    a credit card is a double edged sword

    wield it wisely or you might end up getting cut badly

    once you dig a hole using credit, it will only get deeper and deeper
    I agree!


    GMAN

  6. #26
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    Default Re: Your First Credit Card?

    Quote Originally Posted by Gunbucker View Post
    There's a subtle yet significant difference between owning a credit card and BEING OWNED by credit cards. Quite hard to tell these days
    I think the later happens to many these days.


    GMAN

  7. #27
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    Default Re: Your First Credit Card?

    Quote Originally Posted by +evenstar View Post
    debit card counted anot?
    Yes debit card still the best and i still enjoy alot of discounts.

    Using UOB Visa NOW card.

  8. #28
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    Default Re: Your First Credit Card?

    i only have debit card.. no credit cards.
    i think my dad doesnt want to give me one cus i will probably burst the limit

  9. #29

    Default Re: Your First Credit Card?

    Quote Originally Posted by domdomino View Post
    Yes debit card still the best and i still enjoy alot of discounts.

    Using UOB Visa NOW card.
    This card is debit or credit?

  10. #30
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    Default Re: Your First Credit Card?

    Quote Originally Posted by evo-lution View Post
    This card is debit or credit?
    Debit card . . Way much more than my POSB GO! debit card.

    UOB debit is Visa

    POSB debit is Mastercard

  11. #31

    Default Re: Your First Credit Card?

    Is this a survey? Sure sounds like one....

  12. #32
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    Default Re: Your First Credit Card?

    Quote Originally Posted by sheree View Post
    i only have debit card.. no credit cards.
    i think my dad doesnt want to give me one cus i will probably burst the limit
    I don't even have an ATM card.


    GMAN

  13. #33
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    Default Re: Your First Credit Card?

    Quote Originally Posted by Godzilla Invades View Post
    Is this a survey? Sure sounds like one....
    Nope, it isn't a survey. Just curious. I saw so many people flipping cards and stuff. Makes me wonder if they can afford it?


    GMAN

  14. #34

    Default Re: Your First Credit Card?

    I'm 16 and i have an POSB ATM card. No credit card though, i'm curious how people in the 1st category, can pay their bills, unless they're born into rich families..
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  15. #35
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    Default Re: Your First Credit Card?

    Quote Originally Posted by La Vida View Post
    I'm 16 and i have an POSB ATM card. No credit card though, i'm curious how people in the 1st category, can pay their bills, unless they're born into rich families..
    The must own an oil reserve. Haha.


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  16. #36

    Default Re: Your First Credit Card?

    Wait till got rich suger mummy give me. Now using POSB Mastercard and UOB Visa R card. Too many cards also headache. Lots of card fees to pay.
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  17. #37

    Default Re: Your First Credit Card?

    Quote Originally Posted by La Vida View Post
    ....i'm curious how people in the 1st category, can pay their bills, unless they're born into rich families..
    Govt/Military scholars can still be 18 when they sign on and enter university. Several of my friends were still 18 in our first year and our student accounts came with credit cards. I didn't even request for it and was given one Visa and one Mastercard. They had crappy 500 limits but hey, it's more than what I should be spending in a month so I kept it as it was as a form of control. In fact, even after starting work I didn't ask for limit increases for a long time, as a form of control. It was only when I started travelling for long periods for work that I had no choice but to raise the limits.

    My simple rule for using credit cards - use them only for convenience and never, ever, for credit. i.e. pay in full every month, no rolling balances.

    And I keep just two cards - one as a backup in case one fails for some reason (chip damaged, over-zealous security, etc).

  18. #38

    Default Re: Your First Credit Card?

    Quote Originally Posted by raptor1988 View Post
    Wait till got rich suger mummy give me. Now using POSB Mastercard and UOB Visa R card. Too many cards also headache. Lots of card fees to pay.
    What is "R" card?

    Recession card? Buy things for free?

  19. #39
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    Default Re: Your First Credit Card?

    Quote Originally Posted by evo-lution View Post
    What is "R" card?

    Recession card? Buy things for free?
    Restricted card. Haha!!!


    GMAN

  20. #40

    Default Re: Your First Credit Card?

    Quote Originally Posted by Ninja23XX View Post
    Restricted card. Haha!!!


    GMAN
    Got this type of card arh?

    Is it those $500 limit one?

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