# CC debt pissing contest

**URL:** https://forums.speedlife.net/t/cc-debt-pissing-contest/39900
**Category:** NYSpeed Off Topic
**Created:** [December 7, 2007, 6:29am UTC](https://forums.speedlife.net/t/cc-debt-pissing-contest/39900 "2007-12-07T06:29:57Z")
**Posts on this page:** 1
**Showing post:** 128

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### Author: ![ZOMGVTEK](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/zomgvtek/32/5063_2.png) [@ZOMGVTEK](https://forums.speedlife.net/u/ZOMGVTEK)
#### Post date: [December 8, 2007, 7:38pm UTC](https://forums.speedlife.net/t/cc-debt-pissing-contest/39900/128 "2007-12-08T19:38:58Z")

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[quote=“maverick27,post:125,topic:39900"”]

I have had a cc for 3 months now @ 0% (student) and only buy gas/emergency whatever with it.

It has a super low limit, like $200 so I don’t get the hesitation to use it.

[/quote]

I never understood the whole having a low limit thing. I know a few people who wont get a credit card because they dont have alot of money now. I guess theyre assuming they are not going to be able to pay it off or something? If you dont have the money, dont buy it? Is that hard?

Anyways, i dont see the real use of a credit card besides building credit if you have a limit below 1k. I use it as cash replacement, so i dont need cash in my wallet to be able to buy stuff. Thats a PITA, i never have enough. And its safer, and i get a few percent cash back.

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