Personal Finance You don’t always need to buy a new car to get the latest features. |
- You don’t always need to buy a new car to get the latest features.
- Was Conned into a 3 month gym membership
- Comcast kept billing after I canceled service. Just got a collections notice on my credit report.
- How do you split expenses with your significant other when you make more money than them?
- Use half of emergency fund to buy more fuel-efficient car?
- [SERIOUS] Parents kicking me out... where to stay during winter break and summer? (18 year old)
- Just opened a Vanguard account...
- My Single Mother Just Lost Her Job
- Getting renter's insurance, GEICO won't allow me to see the policy until after I pay for it, what do I do?
- Stumbled on last managers salary and have discovered I am being taken advantage of
- Where to begin - Father with stage 4 cancer diagnosis with 2 small children
- Brother passed away unexpectedly, do I need to hire an estate attorney?
- Tired of living paycheck to paycheck. Need some advice on how to start out and also tools to help me stick to it.
- Coworkers Salaries Make It Seem Like I'm Getting Screwed
- Opening a savings account for my 1 year old.
- Do I need to start an IRA?
- Grad school loans for bad credit
- Don’t have a lot of debt, but need advice on when to pay the debt off
- Is spending this much on a house crazy?
- Elderly Mother Scammed - Facebook Messenger "Grant" Scam
- Taking from my 401K while on medical leave
- Forgot to cancel my utility when I moved out. Got sent to collections and now my credit score dropped
- Which Job Should I Choose?
- When is it worth it to get a company credit card? (i.e Gap, Khols, Amazon, the apple one, etc etc)
| You don’t always need to buy a new car to get the latest features. Posted: 18 Jun 2019 02:45 PM PDT I have a friend with 6 year old Civic that's paid off and only has 55k miles. About a month ago, I was surprised to hear him talking about getting a new car again. I asked him why he wanted to get rid of his civic and he said he rented a new car on his trip that had proximity entry, push button start, and android auto/Apple CarPlay built in. I'm not gonna lie, once you try and get used to those, it's hard to go back to a key and regular stereo so I understood where he's coming from. Well, years ago in high school and college, I used to install car audio, alarms, remote starters, all that. I told him he can add all those features to his Civic. We added proximity lock/unlock, push button start, 7" stereo with Bluetooth, Android Auto, and Apple CarPlay, and a backup camera. All that ended up costing him just over $500 but now he has a car that he loves again and doesn't have to drop 20-30k on a new car. I helped him install it but even at a professional shop, that's probably no more than $1000 total. I know there are multiple reason to buy a new(er) car, but if you like your car and just want newer features, take a look at what products are out there, you might be able to add those features to your car and save a lot of money in the long run. EDIT: many people asked, so here's a partial list:
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| Was Conned into a 3 month gym membership Posted: 18 Jun 2019 11:22 AM PDT So my company moved me into a temporary apartment in a rather large city, and while i was there I wanted to go to the gym. Because its like the island's private gym and its in the middle of a city, the rates were rather high ($96/month) , so i went to the gym to discuss it with a rep. The guy I spoke with told me that he would charge me $79/month and would make my membership automatically cancel in 1 month as I advised him that this is about when i would be out of the temporary place. Fast forward 3 months (now), and I get an email from the gym stating that I owe them $368 because I signed a 3 month contract + late fees. They have no documentation of the $79 deal that the rep told me about and basically through email tell me paying is my only option. So I call up the gym and ask to speak with the guy I signed up with, and they inform me that he has been fired for manipulating customers into signing contracts and promising them false rates. The woman asks for my story and tells me she will speak with her manager and get back with me. Is there anything I can do here to help my case? I'm a college student and work full time to pay my tuition and really cant afford to pay $400 right now. Any advice is appreciated. Forgot to add the woman told me that they had been sending letters to the apartment which I had obviously moved out of, thus why the email was the first time I heard that I owed this much. [link] [comments]  |
| Comcast kept billing after I canceled service. Just got a collections notice on my credit report. Posted: 18 Jun 2019 10:46 AM PDT Hello helpful Reddit Family- Back in November of 2018 I moved and canceled the Comcast internet service I had at that apartment. Apparently they kept billing me for December and January and sent those unpaid balances to collections in February 2019. My May 2019 credit report just showed the collections notice and my credit score got dinked 100 points. The report said the notice would stay until 2025. WTF can I do? I started a dispute with Experian, but something tells me that won't be enough to make this right. Thanks in advance!! Edit: I own my own networking equipment and never used any hardware owned by Comcast. [link] [comments]  |
| How do you split expenses with your significant other when you make more money than them? Posted: 18 Jun 2019 01:16 PM PDT I'm in the middle of an argument with my girlfriend of 4 years over how we split expenses. Would love input from an un-biased third party to see if I'm being unreasonable or not. To give more context: My income: $150K SO income: $75K She moved into my apartment 9 months ago. After a lot of back and forth, we agreed that she would contribute a fixed amount of $685/month. Initially, she wanted to move in and live completely rent free. We had a disagreement again about 2-3 months ago after she had a conversation with her sister and one of my friends, they shared the opinion that they were surprised "she pays for rent" considering I "own" my apartment and I make significantly more money than her. I then agreed to adjust her monthly contribution down from $685 to $600. I own shares in a co-op. Most of my monthly payment goes to maintenance on the building and not principal. In fact only about $125/month goes towards paying down the principal. My total monthly expenses are broken down as followed: Maintenance: $1035 Mortgage: $366 Insurance: $50 Utilities: $150 Total: ~$1600 So I cover $1,000/month and she covers $600/month. In addition to utilities though I typically pay for laundry, toilet paper, and paper towels for the both of us. Also, AC for the summer months which sometimes sky rockets to $200/month. Our current disagreement has stemmed from the fact that I asked her to start splitting with me the cost laundry, toiletries, and AC just for the summer months. She feels that she should not have to pay for this because I make more money than her and because she still has student loans to pay and because she has to commute into the city while I stay home and work from home. Her commuter train ticket is expensive. It costs her an additional $275/month. I understand that her commuting and student loan expenses can make things a bit harder but her attitude or reasoning about why it's my responsibility to subsidize these things rubs me the wrong way. If she lived with roommates her monthly rent before utilities would be in the $1,000-1,200 range. However, since I own shares in my building I've been able to bring the cost of living down significantly. A comparable apartment would cost about $2,000+month after utilities instead of the $1,600 total were paying now. Some other things I've been thinking about during this argument we are currently having:
Questions for the community 1.) Am I being unreasonable asking her to contribute to toiletries, laundry, and AC? 2.) Is it my duty as her boyfriend to do more to help subsidize her monthly expenses while she pays down her student loans? Or is a 60/40 split like we are doing now a good compromise? 3.) Is her attitude that it's my responsibility to cover expenses because I make more money a red flag? I feel like it should be up to me if I want to do that instead of it being an expectation on her part. [link] [comments]  |
| Use half of emergency fund to buy more fuel-efficient car? Posted: 18 Jun 2019 10:34 AM PDT My car currently averages 14 MPG (1999 Ford Expedition). I've been looking into buying a 2016 Mazda3 or 2016 Honda Civic which get about 40 MPG. I spend $300 a month on gas for my work, so with a new car I would be saving about $200 a month. I currently have $10k in an emergency fund (a little bit greater than 6 months) and I'm thinking about cutting it down to 3 months (which most people say is OK if you're single with a relatively steady job) to put 5k towards a car. With my ability to save about 1k a month for a car, this would put me 5 months closer to buying one of those cars with cash, saving me about $1000 in gas. Is this a smart thing to do? I'm going to have to get a car at some point anyway. The only reason I've waited this long to think about buying a car is that I'm 23 and was previously on my parents' insurance so the gas price was a wash. I'm now paying for insurance on my own. Other things I could do with that 5k:
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| [SERIOUS] Parents kicking me out... where to stay during winter break and summer? (18 year old) Posted: 18 Jun 2019 10:12 AM PDT So, my parents gave me until 8/14 to "leave" the house and never come back. The gave me about 2 months because it's when I move into my dorm in college. They are very toxic (at the point where I shouldn't explain online) so I also want to leave them and never come back. They have made life living with them a hell. Here is the thing: I have NO money. I want to be a RN in about 4 years from now. Then go back to school (after paying debts) to pursue my long term goal of becoming a CRNA and my salary will be about $210-250k with hard-work and dedication. Anyhow, I have about $450 in my account and I still haven't bought my dorm essentials and supplies. This school year I will have to pay $8,588 (Tuition: $2,211.00, Required Fees: $1,491.00, Room & Board: $4,632.00 *EVERYONE PAYS FOR FRESHMAN DORMS, smh*) and with grant, loans, and scholarship: $8,788. I will get back only about $200 each semester refunded to bank account. Next school year, I will have to pay $4,407 (Room & Board: $750 bc I won't live on campus and $750 is from meal plan). With grants, scholarship: ~$6,038. I don't know if it goes up or down. I will get back $1,631 first semester of 2nd year. Much better than this year lol. Should I take out about $3,500 from loans to pay off the rent and be able to live? And while working and saving, I should only use it for rent, living, and paying off student loans of about $9k. So, like I said, I have NO money whatsoever and I don't know what I'm doing and I can't get any help. How will I live during first year breaks? How will I pay for an apartment during the summer? I have no where to go and I can't go back to my parents.. only God knows why. I hope to get a job at the local hospital (interviewing today) near the college. Wish me luck, btw [link] [comments]  |
| Just opened a Vanguard account... Posted: 18 Jun 2019 12:27 PM PDT I'm 21 and have been saving like hell. I planned on moving 3k (over half my savings) into a Vanguard account to invest it. My dad thinks the economy will shit the bed within the next 6 months and is discouraging my idea. I went ahead and added my bank account anyways and am fully ready to move that 3k over but before I do, I figured I should ask you guys if there's any recommendations on the best way to do this. Is now a bad time to invest? I plan on leaving it in for at least 5 years but of course that could change if shit hits the fan and I need to pull out. Any advice would be appreciated :) [link] [comments]  |
| My Single Mother Just Lost Her Job Posted: 18 Jun 2019 06:01 PM PDT I just finished up my Junior Year of high school in a fairly well-to-do area of Southern California. My mom recently lost her six-figure job and, despite her income, it seems we have nothing saved up. According to her, 3 months is about the most we can make it as is. She has already applied for unemployment and has been rewarded an (unsurpisingly low) amount of $450/week. It costs us about $4000/month for housing alone. She's a business consultant and I've been told its not easy to find a job in that field. I'm looking for work at local tutoring companies (of which there are a good amount) since I'm strong academically, already tutor people privately (though since summer is starting up I don't have anyone right now), and want to have something more significant than burger flipper on my college application; However, I will look for other options if need be. She and I are both hoping to not have to move and make other drastic changes since I just have one very important year left of high school before college and doing so may screw things up for me. I get that I'm pretty fortunate and that plenty have it worse than me; I also know that there's probably not much I can do, but if there is—or, if there's anything you might know that my mom might not—then please help me out. Thanks, I really appreciate it. [link] [comments]  |
| Posted: 18 Jun 2019 10:06 AM PDT I want to do my due diligence to make sure that the policy will pay out when I expect it to. However they will not allow me to review the policy ahead of time. This seems incredibly shady. Is this normal? I tried asking r/insurance, but apparently I'm an idiot for ever ever questing the wisdom of an insurance company. UPDATE: Contacted the company GEICO sells for. They don't have the policy available either. UPDATE 2: All my searching must have caused insurance adverts. A company called Lemonade is half the price and actually allows me to see the policy! I emailed them some further questions and would appreciate any feedback. [link] [comments]  |
| Stumbled on last managers salary and have discovered I am being taken advantage of Posted: 18 Jun 2019 05:47 PM PDT I work at a small engineering firm, and I was recently promoted to engineering manager about a year ago when the current manager left. During this transition the company wasn't doing too well (probably breaking even), so I didn't push for a raise. No additional pay compensation was offered. There is a lot more responsibility and work associated with this position. I am now in charge of managing a small engineering team and am solely responsible for the quality and quantity of work delivered by this team. I don't mind the extra work and enjoy the work at this position. I recently received my review and it was outstanding. I was relatively happy until I stumbled upon the salary of the last engineering manager. He was making about 150k/year, while I am in the lows 90k/yr. I am now building up some resentment and have the feeling that this company is taking advantage of me. I am honestly thinking about leaving. [link] [comments]  |
| Where to begin - Father with stage 4 cancer diagnosis with 2 small children Posted: 18 Jun 2019 08:12 AM PDT Hello all! I am just starting here because I do not know where else to begin. To start, we're located in Pennsylvania. His wife is completely unable to care for herself on her own. She comes from a dirt poor family and never finished high school. She has never had a job and does not have a license or any income coming in whatsoever. She has extreme anxiety, and this prevents her from getting a job, and learning to drive. I have done my best to try to help her, encourage her to try to be an adult but so far it has been unsuccessful. I'm constantly asked for money, rides to here and there, and to babysit. I do not have any children myself. The wife's family does help them with babysitting on occasion, as both of her parents do not work. The home that they live in needs many expensive repairs and is overall in not great shape. I believe that he owes more on the home than the home is worth. The mortgage is my my father's name only. I believe my mother's name still may be on there as well even though she has been deceased for almost 15 years. All of the bills have my father's name only on them. Father was diagnosed about a year ago with stage 3 esophageal cancer. He went through chemo and radiation, which he was able to drive himself to and from all appointments, and then surgery in august last year to remove part of the esophagus and stomach. Scans were clear until last month when we learned that the cancer had returned and is now stage 4. He will be beginning chemo next week, but they told him to spend this 4th of july as if it will be his last. I am worried about what will happen with his wife and the 2 kids. Although they are not at all my responsibility, I do love them and I care about them. There is no earthly way that she would be able to live in that home by herself with the 2 kids on her own, my phone would be ringing off the hook constantly while I'm at work. I am not willing to take them into my home - I'm sorry if that makes me sound cold and heartless. She will need to move in with her parents when the inevitable happens. I thought that it might be a good idea to put the wife's name on the mortgage, but since he is upside down on it, I am not sure if that is a good move? I've filed the FMLA paperwork, 2nd time now I've had to do this since my mom also had cancer which took her life. Any suggestions, tips, anything is appreciated. [link] [comments]  |
| Brother passed away unexpectedly, do I need to hire an estate attorney? Posted: 18 Jun 2019 02:25 PM PDT My brother (32yo) dies unexpectedly 2 months ago without a will. He was never married nor had any kids. My parents speak limited English so I'm trying to help them settle his finances accounts as much as I can. We have already filed for his death benefits, retirement benefits, and life insurance claims. I have the following questions if anyone could please help me answering. Thank you in advance.
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| Posted: 18 Jun 2019 10:39 AM PDT Hi all, So I am a more recent grad that is working in the SaaS sales world. I have moved up and am now in a position that I am making a 60k base and an average commission of 3-4k a month in addition, with some months upwards of 8-11k. I have never really kept track of a budget, spent it as it came and am now paying for it. I have managed to start working on my credit, I now pay all my credit cards on time, I have paid off a lot of collections (pay for delete) and am settling others, so that I can focus on building upwards. I am tired of somehow not being able to afford things when I am making more then the average person does. My girlfriend is moving in at the end of this month so my living expenses (rent, utilities will be going down). What I want to know is how can I learn to live off my base salary, use my commission as a tool to build a safety net etc. I would love to be pointed in the direction of best apps, tools, excel docs, anything and everything for me to start being proactive instead of scrounging. [link] [comments]  |
| Coworkers Salaries Make It Seem Like I'm Getting Screwed Posted: 18 Jun 2019 08:19 PM PDT Profession: IT Support Specialist Post College Graduate: Bachelors in Computer Information Systems Context: I started working at this company after finishing a 3 month internship. Initially, I had planned to just stay until I found something better, but I've been exposed to a lot and have learned quite a bit, which has kept me from exploring alternatives. Salary: I was initially offered $37,000, which I wasn't too thrilled about, but I had accepted as it was better then nothing. My director had then went out of his way to get me $41,600, which is my current salary. I was quite satisfied with this, as I didn't have any leverage at the time and it was clear that I had to prove myself if I wanted to shoot for anything higher then that. Anyhow, I've now been working at this company for 6 months now and have established myself as part of the foundation of our department, with far more responsibility and capabilities. Aside from my boss (the director), I have two coworkers: -One of them has been here for around 15 months. He shares the same title as me, but is making $60,000. He is in his late 30s with work experience in alternative tech fields, which makes him more knowledgeable in certain areas, but nothing really that pertains to our current employment. Our workloads capabilities are pretty much the same. -The other coworker was recently brought in a month ago and has no experience/education in the field. He has a Jr. title and is making $40,000. Question: I think it's a little silly that I'm only making $1,600 more than someone with a Jr title, that has no experience/education in the field. I also think it's a little silly for someone with a near identical workload and same title to be making $18,400 more than me. Are my feelings justified, or am I out of line? Is it appropriate to ask for a raise after only 6 months of employment? I've been treated very well at this company and have the utmost respect for everyone there. If I do decide to bring this up to my director, I don't want to seem ungrateful. Would an ask of $50,000 be unreasonable? [link] [comments]  |
| Opening a savings account for my 1 year old. Posted: 18 Jun 2019 09:11 AM PDT I have been wanting to open a savings account for my 1 year old for a while now. He's been gifted some money under $2k, that I want to put away for his future. I don't know what the best options would be for a longer term savings. I'm in Southern California, I have just one bank account with Bank of America, but I'm not their biggest fan. If anyone has any ideas or can point me in a good direction it will be greatly appreciated. [link] [comments]  |
| Posted: 18 Jun 2019 06:35 PM PDT Mobile, sorry. I work in a trade union. I'm 35 and will have 42 years in the trade at age 65. Assuming I work until I am 65 (want to retire early) I will have retirement pension income of about $3600 per month (~$43k annual) (calculated at current pension rates). I also have an annuity with $130k in VITLX as of now. Debts include ~$700/ Mo for 2 cars (2% and 3%) and house ~105k at 3.75%. 3+ months emergency fund established Currently able to 'save' at least $500 per week My plan is to pay off my 3% vehicle (~15.5k) and then open a Roth or build savings but now I'm questioning myself because an IRA could have greater returns than the 3% on the vehicle. Also, because I'm not sure an IRA should be a priority due to my retirement outlook. Also, also... I could contribute to a 401k but I never itemize so not sure it's worth it (edit: no match) Thoughts? [link] [comments]  |
| Grad school loans for bad credit Posted: 18 Jun 2019 05:17 PM PDT Hi, I'm 23 years old and and looking for advice on grad loans. I have a credit score in the 620s and am in need of 12k in loans to cover the difference in financial aid and total cost for school. Does anybody have any tips for me? Maybe lenders in which I can apply for that work with bad credit? Thank you in advance for any help you guys can provide me. [link] [comments]  |
| Don’t have a lot of debt, but need advice on when to pay the debt off Posted: 18 Jun 2019 12:07 PM PDT I graduated from my bachelors May 2018, debt free. I am in my third semester of grad school, I have 2 semesters left which is $7,500 total. I currently have that set aside in my bank account. I pulled out a $6,250 loan my first semester of grad school and it's now at $6,580 with its 5.5% interest rate. I also have $1,500 on a credit card that I'm slowly paying off. I have a full time job. After calculating my expenses I have roughly $1,200 to myself a month. As of now, I have $7,000 in my savings as well as the $7,500 for the rest of my grad school tucked away. I have $10k in a certificate that I can't touch. Would it be wise to just pay off my student loans now and then slowly work on paying off my credit debt? Orrrrr pay of my student loans when I graduate in two semesters? New to this debt thing and am unsure of how to go about this. My rational side is telling me to pay off the student loan, but then I'm scared if something were to happen and I'd need that money to survive off. Irrational fear? [link] [comments]  |
| Is spending this much on a house crazy? Posted: 18 Jun 2019 02:02 PM PDT My wife and I live in a very HCOL city - think SF/Seattle/LA/Boston. I work remotely, but my wife works downtown in the city. The townhouse we're interested in is priced at $830k. Here's some more info:
Our highest priority for us is living in a location where my wife can walk to work. Second highest priority is having a door directly to the outside, so not interested in a condo. We are looking at a small townhouse (1200 sq ft), but since it's quite close to downtown the price seems kind of outrageous. The location is one that seems like it would retain value over time ; just a 10 minute walk to downtown and steps from great public transit. Right in a very "hip area" of town, but far away enough from the action that there won't be loud bargoers around. My wife's line of work offers mortgages without PMI, even with very little down. We have pre-approvals for up to 1 million with just 5% down, at a rate of 4%. I realize we could probably get the rate down a bit if we pay PMI - we're working on doing some cost comparisons now. So PF - are we crazy? [link] [comments]  |
| Elderly Mother Scammed - Facebook Messenger "Grant" Scam Posted: 18 Jun 2019 07:16 PM PDT Hi and apologies if this isn't the right place to post (would love direction or x-post ideas if people have any ideas). My Mother has been contacted by the "ex-wife of a local lawyer who could help her get a grant for $20k..." only she had to send her gift cards from Amazon, eBay...and eventually had convinced her to send personal info. Drivers License pics. Debit card info... Possibly SS# I'm not sure of that all yet. What can I do best to help to protect her in this case? I've been collecting links from resources on a quick google search, but I'm sure someone on this sub has been through this before. I'm at a bit of a loss of what to do to start with. My brother and sister are going to be helping her to navigate some of the initial steps tomorrow, so I'm trying to power through as much research as I can to give them resources tomorrow morning to work with. Thanks for any assistance. I'll be diving back into google search results now. [link] [comments]  |
| Taking from my 401K while on medical leave Posted: 18 Jun 2019 07:13 PM PDT Hello! I have been fully contributing to my 401K since I started working at 18 yrs old (I'm now 22). The company I've worked for has also been matching it at 6%. My question is, I went on medical leave just a week ago for sudden health reasons and doctor has me off for 3 months. It was not on my plan at all and now I'm waiting for the company contractor to approve my claim in order for me to get paid while I'm off. They said it could take 2 weeks or so for me to get back pay. I have rent coming up in a week and totally have not saved for this as it was too sudden also coming in with medical bills. I was thinking of taking out a loan on my 401K just until I get my back pay but I'm not sure if they will let me during a leave of absence? I have successfully taken out a loan before during emergency and have paid it back as well but being on medical leave is new to me. The website I usually go to for 401K inquiries won't let me and it is too late to call them at the moment. I am getting anxiety thinking about how I will make rent payment. Do you guys have any experience with this? Thank you in advance! [link] [comments]  |
| Posted: 18 Jun 2019 06:34 PM PDT When I graduated college in April of last year I did not call the utility company (nyseg) to turn off my utilities. No one else moved in until August so I racked up a 250 dollar utility bill in the vacant apartment and the bill was left unpaid ended up going to collections (credit protection association) and dropped my credit score 100 points. I am completely happy to pay the $250, but I know it will just show up on my credit score as paid instead of deleted. Is there anything I can do to get this removed from my credit report? I tried talking to nyseg but they didn't offer any help. What can I do? I need to get my credit back up because I plan on buying a house in the next few years! Thanks for any help you guys can provide [link] [comments]  |
| Posted: 18 Jun 2019 06:31 PM PDT Full disclosure, this is my first reddit post. I'm a 24F and I just got introduced to the magic of reddit from my boyfriend who loves it. Probably won't get much responses but am looking for unbiased opinions and feel the internet could help. I currently work as an internal recruiter for a solar energy company. This is not what I want to do long term, I'm actually hoping to do environmental law soon. Just took the LSAT in June. The company is a startup and paid me very little when I first started back in October. Just this past month they gave me a pretty substantial raise (15,000). I have a lot of student loans and was hoping this would help give me more of a savings for when I go to law school and eventually move out. My boss treats me pretty well, everyone's nice besides it being a mostly male company and the overt sexism and complaining that I deal with on a daily basis. The commute is about 1.5 hours both ways for traffic so that has been a little rough. It's fine with typical start up issues where its pretty unorganized and the office is basically falling apart. (I currently don't have a desk, they told me to sit next to the printer). Recently an external recruiting job for a renewable energy sector offered me a job. I would be making about $10,000 less base but with the commission it should just about even out. Only problem is that the commission doesn't kick in for about 3 months, it would require me to commute or move into NYC which is obviously very expensive and the first year would be a little rough financially. The office is very nice, everyone seems like they enjoy it but again looks can be deceiving. After the first year the average salaries increase almost double and I could save a lot of money. Is it worth it to have more money next year, post pone law school for a year, have next to no money this year and take the new job? Or should I keep my current job, stick it out with the commute and unhappiness I deal with on a daily basis, just suck it up to save money and start law school next year if that money might not be as much? Lost and confused, thanks in advance for the help! Here's a small overview of my finances: Student Loans- $500 Credit Card- $150 Car Insurance- $100 Phone -$60 Rent (Live with Parents for now) Train- $300 Subway - $100 [link] [comments]  |
| When is it worth it to get a company credit card? (i.e Gap, Khols, Amazon, the apple one, etc etc) Posted: 18 Jun 2019 06:07 PM PDT I work at retail clothing store and we always have to push credit cards, but like, what is the perk for the customers to get a credit card? And what is the difference between those and like a master card or the Apple credit card that's coming out? Is it bad to have a lot of credit cards?Thanks! [link] [comments]  |
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