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T O P I C     R E V I E W
iheartcomicbooks97
Member # 39882
 - posted July 03, 2011 05:12
Hey, I'm 13, from the UK and new here. Any advice???(:
 
Serenak
Member # 2950
 - posted July 03, 2011 06:44
Don't eat the stale brownies... if you take the last of the coffee make a fresh pot, beware the Estonian whisky!

Have fun - post early, post often [Wink]
 
iheartcomicbooks97
Member # 39882
 - posted July 03, 2011 08:19
Cheers, was beginning to think it was dead around here.
 
Snaggy
Member # 123
 - posted July 03, 2011 09:23
Advice: Start investing or saving a small sum of money in the bank every month.

http://www.fool.com/teens/teens01.htm

Don't get a credit card. [Razz]

Welcome!
 
The Famous Druid
Member # 1769
 - posted July 03, 2011 10:22
Smoke lots of cigarettes, drink lots of Estonian whisky, and always trust internet spammers.

(You didn't specify you wanted *good* advice [Wink] )
 
dragonman97
Member # 780
 - posted July 03, 2011 14:10
quote:
Originally posted by Snaggy:
Advice: Start investing or saving a small sum of money in the bank every month.

http://www.fool.com/teens/teens01.htm

Don't get a credit card. [Razz]

Welcome!

Pretty good idea (saving FTW!), but I would suggest that a credit card is fine if used like a debit card. There are many advantages in security in using a credit card, not offered with a debit card. That said, he's in England, and Europe is nowhere near as interested in credit cards as the US is. (And the banks are much nastier about responsibility/blame -- you are the party at fault automatically, vs. here where the vendor is the default bad guy.)

If a vendor fscks with me and I paid for those goods/services with my AmEx, I have a pretty good chance of keeping my money/getting things remedied. If I did so with a debit card, I'm going to need a lot of luck. Plus, I get cash back!
 
Rhonwyyn
Member # 2854
 - posted July 03, 2011 15:02
My 24-year-old sister is trying to buy a car, but because she's never had a credit card, she was rejected for a loan. So, she got one of those preloaded credit cards - she can spend it down, then reload it - and theoretically it will boost her credit score/credit-worthiness.
 
dragonman97
Member # 780
 - posted July 03, 2011 16:14
quote:
Originally posted by Rhonwyyn:
My 24-year-old sister is trying to buy a car, but because she's never had a credit card, she was rejected for a loan. So, she got one of those preloaded credit cards - she can spend it down, then reload it - and theoretically it will boost her credit score/credit-worthiness.

Um...sorry, but preloaded cards are like gift certificates. Unless she gave her SSN, I strongly doubt it'll count towards her credit score. She's much better off getting whatever basic card is willing to give her a ~$500 credit limit, and building things up from there. (In particular, *always* paying on time, and ideally either the full balance, or a good deal more than the minimum.)

With the general obsession over using debit cards these days, I totally forgot about this implication! I've had a credit card since I was 18 - but I've used it responsibly. The only time I've used a debit card of late is to get gas at cash prices...and my local station has gone back to same prices for cash & credit (probably because gas is so much!), so I've stopped using my debit card.

P.S. I'm pretty sure this may not apply to our newfound poster, as a mate of mine told me that 'credit ratings' are based on location of residence in England. If the previous tenant was a scumbag, you may have trouble doing things at banks. If you're a scumbag, but the previous tenant was an angel, well have a nice day! [Razz] (Perhaps some of this has changed over the last few years, but that's my brief understanding of things.)
 
Grummash
Member # 4289
 - posted July 03, 2011 18:14
I work in a bank in England and can therefore add the following with some confidence:
iheartcomicbooks97 declared his/her age as 13 and so will nor officially be getting any credit facility, loan or credit card, for quite some time.
However, there is not currently any UK legislation to prevent a 13 year old from using emotional pressure on his/her parents in order to secure borrowing from the "Bank of Mam & Dad" [Razz]
 
iheartcomicbooks97
Member # 39882
 - posted July 04, 2011 03:09
Yeah, should've specified good advice and I do save.
 




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