NIKON PROSTAFF - 480 CLICKS OF CAN-DO!
 

Page 2 of 2 < 1 2
Topic Options
#7080319 - 11/16/12 Re: Credit Card for New Rifle? [Re: Bushmaster1313]
shrapnel Online   content
Campfire 'Bwana

Registered: 06/05/07
Posts: 13000
Loc: Bozeman, MT
Originally Posted By: Bushmaster1313
Quote:
I have over $300.00 credit at Cabela's, only problem is that I don't need anything they have


They sell ammo








_________________________
Originally Posted By: deflave
If you want to fit in with a new crowd, ask them if they know shrapnel. There is no friggin' way they won't know who that man is. He is the Chuck Norris of Montana and you will have a nice icebreaker to discuss.
Travis



Top
RV 728 BP
#7080435 - 11/16/12 Re: Credit Card for New Rifle? [Re: shrapnel]
bsa1917hunter Offline
Campfire Kahuna

Registered: 08/12/10
Posts: 21277
Loc: Orygun
Shrappy, can I make my order right now...Or do I have to wait till x-mas??
_________________________
Originally Posted By: raybass
I try to stick with the basics, they do so well. Nothing fancy mind you, just plain jane will get it done with style.


BSA

Top
#7080811 - 11/16/12 Re: Credit Card for New Rifle? [Re: bsa1917hunter]
shrapnel Online   content
Campfire 'Bwana

Registered: 06/05/07
Posts: 13000
Loc: Bozeman, MT

Most of that will be shot up by Christmas. I am getting out of hunting and shooting completely.
_________________________
Originally Posted By: deflave
If you want to fit in with a new crowd, ask them if they know shrapnel. There is no friggin' way they won't know who that man is. He is the Chuck Norris of Montana and you will have a nice icebreaker to discuss.
Travis



Top
#7080922 - 11/16/12 Re: Credit Card for New Rifle? [Re: KDK]
cra1948 Offline
Campfire Guide

Registered: 11/21/06
Posts: 3915
Loc: South shore Lake Ontario
Originally Posted By: KDK
Originally Posted By: Les7603006
Originally Posted By: cra1948
If I want something I don't have the cash for my wife buys it for me.


To quote Deflave ....,, GFY


I just figured he was channeling his inner Swampy... shocked


Eat your hearts out boys...somehow I have ended up with a wife who is not only highly intelligent, kind, spiritual, very gainfully employed, fit, and drop-dead beautiful, but who also whispers things in my ear like, and this is a direct quote, "Honey, you can spend all the money you want on guns and ammunition."

Did I mention she's drop-dead beautiful? Oh, by the way, she has absolutely no interest in tagging along hunting with me.
_________________________
10 mm auto; .41 mag; 16 gauge; Chesapeake Bay Retrievers; life is good
Mathew 22: 37-39

Top
#7080959 - 11/16/12 Re: Credit Card for New Rifle? [Re: Travis13]
TC1 Offline
Campfire Tracker

Registered: 08/28/02
Posts: 6269
Originally Posted By: Travis13
Just curious if any of you have signed up for a 0% APR credit card to purchase a rifle? I always pay my credit card bill off in full each month and this seems like a viable option if you didn't just have the cash lying around. What do you think? By the way the rifle I would purchase would be a kimber montana!!


I've taken out 3 or 4 BassPro shop cards for about the same purpose. They have a store wide 10% sale from time to time then offer another big discount if you take out a C/C in the store. I take out the card in the store, get instant approval and buy the big ticket item. Pay the card off and cancel it immediately.
_________________________
Well, other than that Mrs. Lincoln, how was the play?

Top
#7080986 - 11/16/12 Re: Credit Card for New Rifle? [Re: TC1]
JeffP40 Offline
Campfire Ranger

Registered: 02/05/02
Posts: 1533
Loc: Helena Mt
Credit companies have never screwed anyone. Only people dumb enough to buy things they can't pay for get "screwed" because they don't stick to the terms they agreed to.
Getting a credit card to buy a rifle is stupid. Save money and pay cash. It feels good to actually own something. The borrower is slave to the lender.
The interest rate means nothing.
_________________________
I think, therefore I am, conservative.

Children are great, beer is good, and Steelhead is right.

Top
#7081070 - 11/16/12 Re: Credit Card for New Rifle? [Re: shrapnel]
TC1 Offline
Campfire Tracker

Registered: 08/28/02
Posts: 6269
Originally Posted By: shrapnel

I am getting out of hunting and shooting completely.


"said the alcoholic to the bar tender." laugh
_________________________
Well, other than that Mrs. Lincoln, how was the play?

Top
#7081161 - 11/16/12 Re: Credit Card for New Rifle? [Re: TC1]
fatjack34 Offline
Campfire Tracker

Registered: 10/24/08
Posts: 7135
Loc: State of Confusion
Opening and closing revolving credit in the manner mentioned above actually hurts your credit.....


Edited by fatjack34 (11/16/12)
_________________________
Kindness invites abuse
du ma nhieu

Top
#7081202 - 11/16/12 Re: Credit Card for New Rifle? [Re: fatjack34]
TC1 Offline
Campfire Tracker

Registered: 08/28/02
Posts: 6269
My experian credit score is 883. It didn't suffer too much.
_________________________
Well, other than that Mrs. Lincoln, how was the play?

Top
#7081238 - 11/16/12 Re: Credit Card for New Rifle? [Re: SAUMHUNTER79]
reelman Offline
Campfire Guide

Registered: 01/11/04
Posts: 2840
Loc: Wisconsin - Land of the PACKER...
Originally Posted By: SAUMHUNTER79
Originally Posted By: CowboyTim
I trashed my credit bad enough in my early 20s. I no longer buy ANYTHING that I can't live without on a credit card. I set cash aside until I have enough saved THEN I buy, you tend to appreciate things more that way.
This is the best way to do it.

I know we live in the world of instant gratification nowadays, but the safest way to buy is to have the amount in cash whether you buy it with paper or plastic.

My dad always pounded that in my head, I didn't always listen and phucked up a couple times, but now I know that to be the truth and the best way to go.

Besides, why make credit card companies any more money, they screw and ruin people's lives like us on a daily basis with their bullschit interest, that's their bread and butter.


Credit card companies don't screw anybody, you agreed to terms when you signed up for the card, if you don't like the terms then don't agree to them and don't get the card. Take some personal responsibilty!

As for paying cash, that's great but it doesn't help your credit score. You would be better off saving cash for the item then buying it on a credit card and then paying of the CC right away. This way you get the benefit on your credit score. And your credit score affects a lot of things in your life.

Top
#7081244 - 11/16/12 Re: Credit Card for New Rifle? [Re: TC1]
fatjack34 Offline
Campfire Tracker

Registered: 10/24/08
Posts: 7135
Loc: State of Confusion
I am happy for you. You have managed your credit wisely. I am simply saying that the opening and closing of revolving credit in a consistent manner effects credit rating.
_________________________
Kindness invites abuse
du ma nhieu

Top
#7081295 - 11/16/12 Re: Credit Card for New Rifle? [Re: fatjack34]
Travis13 Offline
Campfire Regular

Registered: 01/02/12
Posts: 260
Thank you all for the helpful replies. Still haven't decided if I will use it or not

Top
#7082543 - 11/17/12 Re: Credit Card for New Rifle? [Re: Travis13]
JeffP40 Offline
Campfire Ranger

Registered: 02/05/02
Posts: 1533
Loc: Helena Mt
Let me put it more simply. Don't put beans up your nose.
_________________________
I think, therefore I am, conservative.

Children are great, beer is good, and Steelhead is right.

Top
#7084107 - 11/17/12 Re: Credit Card for New Rifle? [Re: shrapnel]
Coyote_Hunter Offline
Campfire Outfitter

Registered: 02/07/04
Posts: 8593
Loc: 6491 Feet Above Sea Level
Originally Posted By: shrapnel
Originally Posted By: Bushmaster1313
Quote:
I have over $300.00 credit at Cabela's, only problem is that I don't need anything they have


They sell ammo














Are you sure that's enough ammo? wink


Geez, an my wife thinks I have an arsenal. I don't even rate an also ran...
_________________________
Coyote Hunter - NRA Life, Whittington Center Life, GOA, DAD - and I VOTE!

No, I'm not a Ruger bigot - just an unabashed fan of their revolvers, M77's and #1's.

Top
#7084119 - 11/17/12 Re: Credit Card for New Rifle? [Re: TC1]
Coyote_Hunter Offline
Campfire Outfitter

Registered: 02/07/04
Posts: 8593
Loc: 6491 Feet Above Sea Level
Originally Posted By: TC1
Originally Posted By: Travis13
Just curious if any of you have signed up for a 0% APR credit card to purchase a rifle? ...


I've taken out 3 or 4 BassPro shop cards for about the same purpose. They have a store wide 10% sale from time to time then offer another big discount if you take out a C/C in the store. I take out the card in the store, get instant approval and buy the big ticket item. Pay the card off and cancel it immediately.


That is an intelligent way to manage your money. If you don't have money to pay it off you probably don't have enough saved up for a rainy day.

Not saying credit is necessarily bad, but my preference is to use it for necessities/big ticket items (home/cars/etc.) rather than toys I can easily live without. That said, my wife and I have purchased several items by signing up for a card that provided an immediate additional discount - we take the savings, pay the card off immediately and destroy the card.
_________________________
Coyote Hunter - NRA Life, Whittington Center Life, GOA, DAD - and I VOTE!

No, I'm not a Ruger bigot - just an unabashed fan of their revolvers, M77's and #1's.

Top
#7084175 - 11/17/12 Re: Credit Card for New Rifle? [Re: Travis13]
Mule Deer Offline
Campfire Oracle

Registered: 07/24/01
Posts: 36996
Loc: Banana Belt, Montana
Travis,

I use my credit card to buy firearms, then pay the card off completely when the bill arrives, and get the rewards from my card.

Yeah, people get in trouble with credit all the time. I did in my 20's, in part thanks to a "practice wife" who loved credit, but I also had a part in it, since I figured I had to spend at least some of our money before she did. Eventually I was working three jobs and still falling behind.

Got rid of that wife and changed my spending habits. Now I don't use a credit card for anything unless I have the means to pay it off when the bill comes every month. Mostly it's a matter of convenience, plus a record of business expenses.

Don't have as much ammo as Shrapnel, but have plenty (sort of like a savings account) and even he has admitted to me that sometimes he feels a little ammo-overloaded.
_________________________
John

"Gunwriters, as you know, aren't as informed as their readers are and if it wasn't for the readers, there would be no need for writers..."--Shrapnel, May 2015

Top
#7085144 - 11/17/12 Re: Credit Card for New Rifle? [Re: Coyote_Hunter]
reelman Offline
Campfire Guide

Registered: 01/11/04
Posts: 2840
Loc: Wisconsin - Land of the PACKER...
Originally Posted By: Coyote_Hunter
Originally Posted By: TC1
Originally Posted By: Travis13
Just curious if any of you have signed up for a 0% APR credit card to purchase a rifle? ...


I've taken out 3 or 4 BassPro shop cards for about the same purpose. They have a store wide 10% sale from time to time then offer another big discount if you take out a C/C in the store. I take out the card in the store, get instant approval and buy the big ticket item. Pay the card off and cancel it immediately.


That is an intelligent way to manage your money. If you don't have money to pay it off you probably don't have enough saved up for a rainy day.

Not saying credit is necessarily bad, but my preference is to use it for necessities/big ticket items (home/cars/etc.) rather than toys I can easily live without. That said, my wife and I have purchased several items by signing up for a card that provided an immediate additional discount - we take the savings, pay the card off immediately and destroy the card.


Sadly what you are doing means that you are paying more in interest for your big ticket items because taking out a bunch of cards and not using them has a negative impact on your credit score.

Top
Page 2 of 2 < 1 2

Moderator:  RickBin, SYSOP 
RV 180 2
CLICK HERE for GREAT DEALS on OPTICS and PHOTO GEAR!
RV 160 1 2
RV 160 2 2
Who's Online
372 registered (2ndwind, 222ND, 280Ackleyrized, 280shooter, 257heaven, 222Rem, 46 invisible), 977 Guests and 329 Spiders online.
Key: Admin, Global Mod, Mod
RV 160 3 2
Forum Stats
53,468 Registered Members
72 Forums
692,264 Topics
10,002,689 Posts

Most users ever online: 4,830 @ 12/02/14










Copyright © 2000-2015 24hourcampfire.com, Inc. All Rights Reserved.