BoostedXT 0 #1 November 18, 2003 Ok here is what the case is. My whole life I have stayed on the straight and narrow with my finances. I have no credit card debt, and I have A+ credit. The decision I am having a hard time making is whether or not to put AFF on my credit card. I have been wanting to start since the first time I did tandem, and now I cant wait any longer. Do I put it on the card, or no? Today is my birthday so it would be a birthday present to me from me. JoeFor long as you live and high you fly and smiles you'll give and tears you'll cry and all that you touch and all that you see is all your life will ever be. Pedro Offers you his Protection. Quote Share this post Link to post Share on other sites
CrazyIvan 0 #2 November 18, 2003 Go for it.__________________________________________ Blue Skies and May the Force be with you. Quote Share this post Link to post Share on other sites
kelel01 1 #3 November 18, 2003 I think that you know what I would say! Happy birthday!!!!!!!!!! Kelly Quote Share this post Link to post Share on other sites
Nightingale 0 #4 November 18, 2003 go for it as long as you know you'll be able to pay it off... but remember, it just gets more expensive. after AFF, you're gonna want coach jumps and gear and jump tickets and all that. it does get more expensive than you'd think. Quote Share this post Link to post Share on other sites
Jib 0 #5 November 18, 2003 Will you have the income in the near future to pay it off or is this a long term loan? It adds up faster after AFF -- gear, jump tix, ... -------------------------------------------------- the depth of his depravity sickens me. -- Jerry Falwell, People v. Larry Flynt Quote Share this post Link to post Share on other sites
Sheenster303 0 #6 November 18, 2003 I say do it. Go ahead, put it on your credit card. Have fun now, pay later. That's how the world works ya know. Oh and Happy Birthday! Go buy yourself a very nice present with your credit card. I'm so funny I crack my head open! P.M.S. #102 Quote Share this post Link to post Share on other sites
ACMESkydiver 0 #7 November 18, 2003 What, are you insane, Joe?! You are asking the wrong crowd, man! You can't ask jump junkies if you should 'finance jumps'!! Oh my gosh!!! Are you just mental? OF COURSE you should finance jumps! GET UP THERE ANY WAY YOU CAN!!! ~Jaye Do not believe that possibly you can escape the reward of your action. Quote Share this post Link to post Share on other sites
TheAnvil 0 #8 November 18, 2003 If you've been this responsible so far, you're responsible enough to take on this debt. It's worth it, I believe.Vinny the Anvil Post Traumatic Didn't Make The Lakers Syndrome is REAL JACKASS POWER!!!!!! Quote Share this post Link to post Share on other sites
WFFC 1 #9 November 18, 2003 make the budget on how you're going to pay it off...if you make the budget, stick to it...pay the aff off first and continue to jump rental gear. When the first item (AFF) is paid off, start acquiring your gear. You just have to make the conscious decision and commit to doing what you're doing. Quote Share this post Link to post Share on other sites
ACMESkydiver 0 #10 November 18, 2003 Oops, sorry, almost forgot... HAPPY BIRTHDAY, JOE!!~Jaye Do not believe that possibly you can escape the reward of your action. Quote Share this post Link to post Share on other sites
SkydiveNFlorida 0 #11 November 18, 2003 If I didn't start jumping in July, I would be debt free by now. But, now that I spend every dime jumping, I never foresee paying off my debt. *sigh*. . However, as bad as it sounds, I would not have it any other way. I will just pay my minimum and use my $$ for jump tickets, because I CAN! lol! And, I too thought that it wouldn't be so bad. 1300$ for AFF, I can pay that off in time. But, then there came the addiction... more jumps, gear, more jumps. So, it is much more expensive than I initially let myself believe. Go jump now, pay (or don't) later! Angela. Quote Share this post Link to post Share on other sites
hooligan 0 #12 November 18, 2003 anyone with good credit is making damn few skydives ;) Quote Share this post Link to post Share on other sites
StearmanR985 0 #13 November 18, 2003 Give yourself the GIFT, put it on your card. Then, chop the card up and never use it again!!! Take it from me, my wife and I have chalked up over $30K on our three cards in the last 12 years. Yes, we are fully aware that we are a couple of dumbasses. Quote Share this post Link to post Share on other sites
cindee 0 #14 November 18, 2003 It sounds like you are responsible enough, so go ahead and charge the AFF. Who needs A+ credit anyway? __________________________________________________ "If happy little bluebirds fly above the rainbow, why oh why can't I?" Quote Share this post Link to post Share on other sites
freeflygoddess 0 #15 November 18, 2003 put it on the card, but be sure to get lots of other cards first, before your credit is ruined. So you can put your gear on one and then use the others for jump tickets...oh and believe me when you get your bill you will go, omg that is like 100 jump tickets, and throw it away...then move out to the DZ so ceditors wont be able to call you and all is good... Quote Share this post Link to post Share on other sites
mcneill79 0 #16 November 19, 2003 If you have A+ credit now you should be able to get a card that has 0% financing for awhile which will give you time to pay it off without dealing with the crappy interest rate. I've paid off a few things that way. It's my favorite way to take vacations. My favorite card is Discover Platinum, I used it for my trip to Hawaii. Oh yeah to answer your question... you should definitely take AFF now and put it on a credit card. HAPPY BIRTHDAY!!! Quote Share this post Link to post Share on other sites
ZoneRat 0 #17 November 19, 2003 About 20 years ago I had a job approving or declining credit cards apps. Back then what you'd look at was: 1. If they maxed out all their cards would they be able to make the payments? and 2: It looks better for a person to have run up a balence and paid it off in time than a person who had credit, but never used it. So, by putting your AFF on credit and then paying it off over time it will actually improve your credit rating (or, at least it would've 20 years ago...). You'll be doing yourself A FAVOR! So if you need a rationalization for the purchase... there ya go! and happy B! (If you're brave enough, this could be the birthday you decided to change your entire life... or not.) “There are more things in Heaven and Earth, Horatio, than are dreamt of in your philosophies.” Quote Share this post Link to post Share on other sites
BoostedXT 0 #18 November 19, 2003 Ok well here is my current case.....I am 23, Wahoo, have 2 credit cards with a $30,000 limit on each. On top of that they are both 0%. Between the two I have $103.54. A+ credit all the way. My plan is...you have to have a plan, Pay AFF on the credit card, not all of it, just the first few jumps to get rolling. I am talking about $800-$1000 on the card. Theoretically I could have that payed off in 2 months. While using cash to pay for my actual jump tixs. I have always alotted cash towards bills, and have never, and yes I do mean never, been late on a bill. I think I am just going to say screw it, I trust myself and my ethics of paying for stuff, so I dont for see this as a problem, and plus when I am done I will have even better credit because I paid it off on time! Hahahaha Thanks for the Birthday wishes everyone! JoeFor long as you live and high you fly and smiles you'll give and tears you'll cry and all that you touch and all that you see is all your life will ever be. Pedro Offers you his Protection. Quote Share this post Link to post Share on other sites
kai2k1 0 #19 November 19, 2003 HAPPY BIRTHDAY!!! Now get your ass out there and start taking AFF, worry about the debt later!!! There's no truer sense of flying than sky diving," Scott Cowan Quote Share this post Link to post Share on other sites
freeflygoddess 0 #20 November 19, 2003 what you need is a hot sky chicky to comfort you and help you see that jumping is way more important than good credit. Now I am offering and I can help with your maxing out your cards...after all I am through all the "expensive" part of skydiving... Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #21 November 19, 2003 Don't put it on the card; take out a loan from the bank. The interest rates for a bank loan are significantly lower than what you'd be paying on the credit card.A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
BoostedXT 0 #22 November 19, 2003 My credit cards are both 0% for 6 months so I think that is helpingmy case. I am very financially responsible....just ask kelel01....she has seen my check book....lol. JoeFor long as you live and high you fly and smiles you'll give and tears you'll cry and all that you touch and all that you see is all your life will ever be. Pedro Offers you his Protection. Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #23 November 19, 2003 Never mind, then. A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
kelel01 1 #24 November 19, 2003 He is not kidding! Shoo, that boy's got some financial management skills if ever I've seen them before. I personally think he'd be more than fine with some accumulated debt. Get in the sky! Kelly Quote Share this post Link to post Share on other sites
BoostedXT 0 #25 November 19, 2003 Having a girl who jumps will only double my debt....lol..why would I want that? Haha.....jk...having a whuffo gf wouldnt work...I dont think she would understand. JoeFor long as you live and high you fly and smiles you'll give and tears you'll cry and all that you touch and all that you see is all your life will ever be. Pedro Offers you his Protection. Quote Share this post Link to post Share on other sites
