YungTPS wrote:I have a Blue Cash Everyday, True Earnings, Hilton HHonors and a Gold Delta Sky Miles. I got an offer for a Gold Card, but I let it expire because I don't think I'll spend enough with the gold card. I can easily pay the yearly fee, but I don't spend a lot in a month. I def won't spend a lot on the Gold card because I'd be scared to run it too high lol. I'm still in college. Making my way through Physical Therapy. Oh, I'm 23 and I make $1500 - $2000 a month (give or take). My Experian score is 720 for now (I know it's not great).
I hate when someone says: My Experian score is 720 for now (I know it's not great
What? Do you want us to tell you: no buddy, your score is great for a person your age! You rock!
Personally I won't.
Then, if you're afraid you would spend too much... you're right, you shouldn't get it. You have to use a charge card exactly as you would use your debit card. Which means spending only the money you have. This is what I do and I've never had a problem.
And I'm not sure what you mean when you say that you can easily pay the AF. Most of us (all of us?!?) could easily pay that AF. That's not the point. The point is, as you've been already told, whether you would spend enough to take advantage of the great perks this card has. And you actually answered yourself: I don't spend a lot in a month. I def won't spend a lot on the Gold card.
Useless thread. Silly questions. IMHO.