The Pleasure
Member
How much of that cost was the bandaid and how much was it to administer it to the site of injury?
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How much credit card debt do you guys have right now?
- Thread starter Estellex
- Start date
StreetsofBeige
Gold Member
Knowing how government negotiates bids and supply costs, probably $29,950 for the bandaid, and $50 for a medical clerk to do the paperwork.
At my old companies, we sold to retailers and sometimes to provincial accounts (ie. hospitals).
The only accounts that were willing to buy from us at 100% regular price were small mom and pop wholesalers, and the government.
Even the retail account ranked probably 30th on our list (which nobody gave a shit about except the junior rep handling the account) would be smart enough to negotiate discounts.
That's why fees and taxes from government run places can be so high.
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Potato Chip PRO
Member
$400 right now but Im about to pay it off right now. Don't like to owe and fuck up my credit.... WE ALL NEED GOOD CREDIT!
Davey Cakes
Member
A little over $1,000.
I remember the point where it was almost $15,000. Had to make A LOT of sacrifices to pay all that off in a reasonable amount of time.
Life pro tip: don’t do it. Never let yourself get above $1,000-$2,000 in debt if you can help it. Don’t use credit at all if you can help it, unless you have a plan to build credit by paying your balance in full each month.
Seriously, the interest will fucking kill you.
I remember the point where it was almost $15,000. Had to make A LOT of sacrifices to pay all that off in a reasonable amount of time.
Life pro tip: don’t do it. Never let yourself get above $1,000-$2,000 in debt if you can help it. Don’t use credit at all if you can help it, unless you have a plan to build credit by paying your balance in full each month.
Seriously, the interest will fucking kill you.
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Punished Miku
Banned
I only use my credit card for gas, and I pay it off immediately every time. That's it. It's just a back up that gives me free credit score monitoring. I don't consider it extra available money, ever.
I charge everything I possibly can to my 2% cashback card so I do have a sizeable balance each month, but I pay it off every month.
The only exceptions are some bills where they will fine you for using a credit card to pay off your bill ("convenience fee" my ass).
Have a friend who plays a lot with those 12 month interest free offers - borrows a lot of money this way and puts it in a bank then pays it off after 11 months. I think it is too much work for relatively small gain though.
The only exceptions are some bills where they will fine you for using a credit card to pay off your bill ("convenience fee" my ass).
Have a friend who plays a lot with those 12 month interest free offers - borrows a lot of money this way and puts it in a bank then pays it off after 11 months. I think it is too much work for relatively small gain though.
Later Alligator
Member
$1500 or so
we buy a lot of shit online so the balances go up and down throughout the month. and could easily 0 them out via savings and such as needed
i'm new to the country and my credit didn't carry over the border with me, so i've had to start from scratch. buying a lot of shit via CC and paying it down has helped
we buy a lot of shit online so the balances go up and down throughout the month. and could easily 0 them out via savings and such as needed
i'm new to the country and my credit didn't carry over the border with me, so i've had to start from scratch. buying a lot of shit via CC and paying it down has helped
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D
Deleted member 713885
Unconfirmed Member
Around $6,500
Have 2 basic cards with about a grand on each. A CareCredit cars I use for my pets, about $500 on that.
All are simple and I pay off pretty quick..
Accept BestBuy...
Holy FUCK do they smack you with Intrest if you dont pay it off FAST. Made like 3 big purchases on it like 2 years ago and wasnt fast enough to get them paid off.
Paying like $110 in intrest fees...
Monthly min is $150...I'm sending $250..
Have 2 basic cards with about a grand on each. A CareCredit cars I use for my pets, about $500 on that.
All are simple and I pay off pretty quick..
Accept BestBuy...
Holy FUCK do they smack you with Intrest if you dont pay it off FAST. Made like 3 big purchases on it like 2 years ago and wasnt fast enough to get them paid off.
Paying like $110 in intrest fees...
Monthly min is $150...I'm sending $250..
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Skyfox
Member
Just noticed a few comments saying people pay their card off as soon as possible - don’t you guys have direct debit in the US? I get my bill and I review it but I don’t have to actually DO anything.
The credit card bill is paid automatically by taking it from my bank for whatever the amount is each month.
To answer the original question more clearly - although I have no outstanding debt on my credit card (ever) I do have a mortgage.
The credit card bill is paid automatically by taking it from my bank for whatever the amount is each month.
To answer the original question more clearly - although I have no outstanding debt on my credit card (ever) I do have a mortgage.
Porcile
Member
My Japanese credit card is more like a delayed debit card so I have to pay it off no matter what. So it never accrues interest. About £60 on it right now.
My UK card has like £200 on it from my holiday, I'll pay that in a couple weeks when the bill is due. No interest on dat shit.
All in all, credits cards are awesome if you use them wisely.
My UK card has like £200 on it from my holiday, I'll pay that in a couple weeks when the bill is due. No interest on dat shit.
All in all, credits cards are awesome if you use them wisely.
Super Mario
Banned
It's always interesting to see all of the excuses of why their debt is so high, and why CCs are bad.
Thank you for paying interest so I can earn big rewards
Thank you for paying interest so I can earn big rewards
Gavin Stevens
Formerly 'o'dium'
£0
Never had and never will have a credit card.
The only thing I have on finance is my mortgage, because of course. If I can’t afford it, I don’t have it. Simple.
Never had and never will have a credit card.
The only thing I have on finance is my mortgage, because of course. If I can’t afford it, I don’t have it. Simple.
MetalAlien
Banned
I'm a big baller. Was 24k last june, paid it down to around 8k right now. It will be 0 next month. Going back to 24k around Aprilish...
Sacke & Sugar
Banned
About 4 grand, plus student loans I've defaulted on and all kinds of other shit I haven't paid for and have settlements against me for.
But I make $15/hr, should have it paid off in no time!
But I make $15/hr, should have it paid off in no time!
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Greedings
Member
1000€
That’s just because I’m on holiday though and it’s easier and safer to use my credit card than anything else. I usually have like 400€ a month from groceries and general stuff. Again just because it’s easier.
I’ve never actually had “debt”. I mean that I’ve never not immediately paid everything off so I’ve never had to worry about the interest rate.
Haha apart from my student loan. That’s not real debt though
That’s just because I’m on holiday though and it’s easier and safer to use my credit card than anything else. I usually have like 400€ a month from groceries and general stuff. Again just because it’s easier.
I’ve never actually had “debt”. I mean that I’ve never not immediately paid everything off so I’ve never had to worry about the interest rate.
Haha apart from my student loan. That’s not real debt though
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InterMusketeer
Member
I had a CC back when I was a student, but it got cancelled when I switched banks. I only used it to buy stuff online with it where they didn't accept PayPal.
Credit cards aren't as popular here in Europe as they seem to be in the US. I don't think there's any rewards programs, and the cards have a monthly fee, so for most people there's just no reason to have one.
Credit cards aren't as popular here in Europe as they seem to be in the US. I don't think there's any rewards programs, and the cards have a monthly fee, so for most people there's just no reason to have one.
AlteredForms
Banned
How the hell does that work out?
Birdo
Banned
I have a £13,000 student loan debt. But I'll probably never pay it back, due to me never getting a job good enough to require repayment
Starlight Lotice
Member
Ornlu
Banned
If it's directly drawing from your account, then it is a credit/debit card. If it's a bill that you get in the mail and have to pay off, it's credit.
Ornlu
Banned
A couple of hundred grand in savings? Invest that shiiiit!
Kamina
Golden Boy
I see. Makes sense.
Dont have or need that. New cars i buy are always on leasing though.
Ornlu
Banned
Credit can be very useful if you need to float a larger expense for a short amount of time. I prefer just having the direct draw for most things, but having a line of credit available is very handy in an emergency. Say something unforeseen happens and you need to spend $5k today, but onjly have $3k in the bank. With just debit, you would not have the further $2k available.
Kamina
Golden Boy
Yeah I understand. The only reason I see myself borrowing money from a bank is when i buy a house.
AlteredForms
Banned
I would rather earn more money and make the payments rather than make less money in order to avoid doing so.I have a £13,000 student loan debt. But I'll probably never pay it back, due to me never getting a job good enough to require repayment
pennythoughts
Member
it's generally better for your credit history to have some kind of debt you're paying off on time each month rather than to try to pay it off in large chunks and have nothing.I used to have amazing credit after paying off a bunch of debt, after I was so relieved I didn’t touch my cards and they closed. Now my credit is back at 630
it's pretty stupid but them's the rules and it matters when it's time to start looking at buying a home.
Ornlu
Banned
It makes sense if you think of the score as how "reliable" you are thought to be.
D
Deleted member 17706
Unconfirmed Member
$0. I pay it off every month. I learned my lesson about letting debt accrue when I was in college.
Mitsuda Maniac
Member
My credit card companies probably pay me around 1000.00 per year because I know how to get the most out of my rewards programs and never pay an annual fee or interest.
Ornlu
Banned
Find out!
Figure out what you actually owe, and track it. It will become a natural incentive for you to save more/pay down debt. I've found that doing so and keeping up with it month by month can make a real difference in what you are willing to spend on, and helps lay out when and where you plan to use your money.
CrankyJay™
Member
I dunno, I have like a balance of $4000 but it's not debt. It'll get paid off.
KillCleanEat
Member
I was slipping pretty hard there two months ago. Had about 2600 across two cards. Paid off one, left with a little over a grand now. Gonna wipe that out this month and go back to buying my monthly groceries and paying it off.
Thabass
Member
Nah, I know how much. I've had to do a bunch of loans / balance transfers to wittle it down. The payments on the loans are rough, but I'm also getting help from family for my school loans. It's not impacting me too much.
SurprisedPikachu
Member
None, because if you can't buy it in cash then maybe you shouldn't fucking have it. The only reason I have a credit card is because it's insanely difficult to build credit either way.
Ornlu
Banned
It's very useful to have access to credit in case of emergency/sudden travel needs etc.