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Daily Polls

Poll From: 09/17/2013

Swag Bucks are awarded for participating in the current Daily Poll only.See Previous Polls

Do you have a credit card with a rewards program? Submitted By Team Swagbucks, CA
Yes, one.
Yes, several.
No, but I do have a credit card.
No, I don't have a credit card.
No, I'm not old enough for a credit card.
Vote
Comment on this poll
breezybre16
on 11/25/13
Wish Swagbucks would come out with a debit card, like Target did. I'd sign up for that in a heartbeat.
nasty25
on 09/18/13
triathlon29 and 1 others liked this  
nooooo
Badiyah1a
on 09/18/13
Yes,I have a capital one reward card.
Gayuakshay
on 09/18/13
Yes have
nmaegs
on 09/18/13
faim690 and 1 others liked this  
no thanks
BH2ify
on 09/18/13
faim690 liked this  
Its Pac Man his back: Munch Munch Munch!!!!
steven3542
on 09/18/13
faim690 liked this  
True that..
BH2ify
on 09/18/13
faim690 liked this  
Opps wrong one
steven3542
on 09/18/13
faim690 liked this  
I could only wish my credit was good enough....
JLStewart
on 09/18/13
faim690 and 1 others liked this  
no
farrukhobaid
on 09/18/13
faim690 and 1 others liked this  
hello
shwetab
on 09/18/13
faim690 and 1 others liked this  
Dont use credit card
dede67
on 09/18/13
faim690 liked this  
I haven't had a credit card for years. I get prepaid ones from my bank if I need to use one.
KCow
on 09/18/13
Keep getting denied because I don't make enough apparently.
DGuill
on 09/17/13
Online121 and 2 others liked this  
I have my bank card. All I really need
NumberUnoST4L
on 09/17/13
i just want some swagbucks
MpregAngel
on 09/17/13
Too much trouble...i'd only get a credit card if I really had no other choice.
25Shadow75
on 09/17/13
latwig liked this  
Reward programs?? How much does that cost??
ThaButcher
on 09/17/13
im commenting only for a chance at some swagbucks
cortexifan
on 09/17/13
ShawnaC123 liked this  
WAT o.O
Usagiangel
on 09/17/13
You can get Swagbucks for commenting?
SBSarah
on 09/17/13
I got some for commenting on a video. They look at the quality of the comment, not randomly picking someone who wrote "LOL" or "ikr" or "first!".
bluela
on 09/17/13
No, but people think so. Hence the bizarre"zzxx..!" etc. comments peppered through most of the poll comments. Occasionally there are rewards to be had in blog comments (usually it informs you in the bog post if this is a possibility), but you do not get SB for posting in poll comments. It's just to share your opinion or give a more detailed explanation of your choice.
katapiller44
on 09/17/13
triathlon29 liked this  
I yell Cheetah when I see credit cards... thanks to Dave.
Kachie
on 09/17/13
mike832 and 1 others liked this  
But you can't buy a house or car without credit, so don't you need credit cards?
SBSarah
on 09/17/13
jennywithavon liked this  
I'm not anti-credit, just anti-interest (I view it as a waste of money in most cases). As others have suggested, if you need to finance a car, you probably can't afford it in the first place. I've only ever owned used cars and when i went to sell them, i only lost about $2,000 of the purchase price in depreciation over the years I drove them. Sure, there was maintenance, but it was cheaper than car payments would have been! I also didn't need to pay collision (you can "self-insure" by putting what you would have paid into a savings account and pull out the money IF you need to.)

RESPONSIBLY use a credit card (if need be, put a single utility -- such as phone or internet -- on your card and pay it off IN FULL and ON TIME every month.) and build credit.You don't need to go into debt to build credit.
medicbaxter
on 09/17/13
Genicka and 5 others liked this  
That's a myth. We paid cash for our cars and just drive what we can afford to pay for in full upfront. Then we keep saving every month and trade up every few years by selling the old car and adding what we have saved over the past 2 years and then taking all that cash and buying something better. As for a house you can get one if you have no credit score and a large down payment, Dave Ramsey talks about this on his radio show all the time. He has some cool videos on you tube about the money you save by paying for a car cash vs having car payments and does the math for you. Also has videos about paying extra on your mortgage every month even if a small amount and how that takes years off your mortgage. It blew my mind away when he did the math & showed the savings.
Mobotropolis
on 09/17/13
jennywithavon and 3 others liked this  
Nope. We bought our last two cars with cash for $3500 and $2000 respectively. I'm already saving to buy a home. Four more years and I'll have enough buy a nice detached two bedroom home outright.

Even if you're borrowing you don't need good credit if your down-payment is well above the minimal (50% ) and you have a secure job.
laciejay
on 09/17/13
triathlon29 and 3 others liked this  
You can build credit buy paying back bills on time, maybe not all companies, but some do. Also student loans and such count towards your credit if paid on time. You don't necessarily need credit to buy a car as long as you have a decent down payment. I've bought two cars and have never had a credit card in my life.
triathlon29
on 09/17/13
BrittA19 and 2 others liked this  
That's a myth. Plus you should never use credit to buy a car, only buy what you can afford in cash. Even with a house if any way possible you should wait and buy in cash. If you don't believe me look at how much of a mortgage goes to interest.
Soldieroflove
on 09/17/13
This is a rather simple poll.
shar702
on 09/17/13
YES,IT SURE IS....!!!!!
Hokuikekai
on 09/17/13
No...
indiegrrl83
on 09/17/13
I have credit cards, but only because they have balances. Last two will be paid off within the year, then never again!
mariad2904
on 09/17/13
indiegrrl83 liked this  
Credit card rewards are rip offs
KikiMeowey
on 09/17/13
3% so far not old enough for credit card???...then you're not old enough to be on swagbucks either!
swagbucks patrol is gonna come & get you!!!!!! >^,,^<
SBSarah
on 09/17/13
I think they let those under 18 on the site with parental permission?
Princess1223
on 09/17/13
indiegrrl83 and 1 others liked this  
For me old enough means i've graduated uni and have a stable income. Until then i shall stick to my debit card!
Ilovesparky13
on 09/17/13
that's okay. I will continue to use swagbucks thank you very much.
cashjoe
on 09/17/13
DeXel liked this  
Anything we can receive or get for free in return for using our credit cards is good and beneficial but this is as long as we don't use our credit cards incorrectly...
nicknick119
on 09/17/13
DeXel liked this  
I have cards with rewards, but I never spend money that I don't have in my bank account and just pay off whatever I spend within the next week. They also are good for emergencies.
TootsieM
on 09/17/13
I agree but I have credit cards that don't offer rewards. I keep them just in case of an emergency. This question offers me no correct choice.
SBSarah
on 09/17/13
The choice for you would be " No, but I do have a credit card."
nicknick119
on 09/17/13
Do store credit cards count? Most have rewards like 5-10% off if you use them in the store, but you don't get cash back at the end of the year
kaykaybaybay95
on 09/17/13
psssh never haha
ashleymiles
on 09/17/13
not yet ready to get credit cards
1stgblade
on 09/17/13
triathlon29 liked this  
I don't trust some credit cards!
andreleon911
on 09/17/13
good
kamccown
on 09/17/13
triathlon29 and 1 others liked this  
I don't want a credit card.
Rainbowdrymouth3
on 09/17/13
triathlon29 and 1 others liked this  
I refuse to get a credit card.
Larienna1610
on 09/17/13
triathlon29 and 4 others liked this  
Don't need credit card!
Matttoye
on 09/17/13
inkygurl42 and 2 others liked this  
swagbucks visa card is the worst rewards card out there and I wish they would stop spamming the polls with questions about it.
blueeyedabby
on 09/17/13
great
msivery
on 09/17/13
OldLady05 and 1 others liked this  
Will I get any swagbucks from my comment
BrittA19
on 09/17/13
natashavixen323 and 1 others liked this  
no. but they should start rewarding people for leaving comments.
00juls00
on 09/17/13
i don't think so.
codyt2611
on 09/17/13
pokewarswiz liked this  
cool
Swaggyy5000
on 09/17/13
ivyangel1212 liked this  
does this earn me swagbucks
00juls00
on 09/17/13
BrittA19 liked this  
voting does...commenting doesn't.
bluebird100
on 09/17/13
ivyangel1212 liked this  
whats this
memorybooks
on 09/17/13
DeXel and 9 others liked this  
As long as you pay off your credit card bill every month, the rewards are a good deal. If not, the interest is eating away at your rewards. NOT a good deal.
Ktolliver2989
on 09/17/13
ivyangel1212 liked this  
Anybody got a good recommendation for a FIRST time credit card for a person with NO credit currently? Cant find a damn place anywhere.
nicknick119
on 09/17/13
Your best bet is probably one straight through your bank. I couldn't even get store cards until I already had credit
BrittA19
on 09/17/13
I have wells fargo and I have a cash back credit card through them. The have a great rewards program with most of there cards.
Dallasdiva
on 09/17/13
ivyangel1212 liked this  
Try Capital One. Maybe go to the branch and talk to someone there. I had bad-ish credit because of credit fraud and they gave me a credit card about a year ago and my credit scored jumped!
Moneydogw
on 09/17/13
ivyangel1212 liked this  
pass is one
slowcoaster
on 09/17/13
DanMira and 1 others liked this  
Ramit Sethi at iwillteachyou.com [I Will Teach You To Be Rich is his book, available on Amazon] has several recommendations. He's done his homework.
Skysdya
on 09/17/13
nicknick119 and 2 others liked this  
I had no credit and nobody would give me a credit card. So my very first credit card was a secured card (meaning I sent them money and they sent me a card with the cash on it) from First Premier Bank. I used it just like a credit card and they also reported to the credit agencies as if it were an unsecured card. That greatly helped increase my credit worthiness and now I have 3 unsecured credit cards and can't get them to stop sending me credit card offers! :D

It might take a little bit of time to save up the money but I think the secured card is the way to go if you have no credit because if you get a unsecured card the rates are going to be insanely high.
SBSarah
on 09/17/13
If you WANT them to stop sending you offers, you can go to OptOutPrescreen.com

You'll still get offers from companies you already do business with (such as banks), but if will stop other third party offers. Some people have reported that they've stopped receiving offers after placing a (free) fraud alert on their credit reports (one for each of the three bureaus), but I haven't tried myself. OptOutPrescreen worked fine for me and you can opt back in if you want to receive the junk mail.
triathlon29
on 09/17/13
ivyangel1212 liked this  
Not a recommendation for a credit card-I don't use them myself, but if your looking for a place to rent without a credit check try using craig's list.
iedreams
on 09/17/13
ivyangel1212 and 2 others liked this  
I would go to creditkarma.com and look at their list of credit cards, choose to look at the ones that are for those with "poor credit." I'm a big fan of that website for helping me keep track of my credit score and other stuff (and the site is free).
Smoopy65
on 09/17/13
ivyangel1212 and 1 others liked this  
You could try building credit first....go to Fingerhut. I've been told that they approve credit for their items most of the time. It's a good way to get started. Here's a link: https://www.fingerhut.com/user/start_credit_app.jsp
SBSarah
on 09/17/13
The APR rates are HORRENDOUS and that card reflects poorly on your credit profile in the long-term compared to "bank cards".

Compared to the interest you'll pay, I'd second what others have suggested about opening up a secured credit card. If you pay your balance in full each month, the only fee you'll need to pay is the annual fee, usually between $25 and $50. After a year or two, you can call the bank and ask them to graduate you to an unsecured card with no annual fee.

Just be aware that when you start getting "pre-approved" offers, that just because you're "pre-approved" DOESN'T mean that you'll qualify for the card. I was rejected for "insufficient credit history" even though I'd had a card with a $25,000 limit for 4 years.
ivyangel1212
on 09/17/13
sounds great.
slowcoaster
on 09/17/13
SBSarah and 1 others liked this  
Man, I tried that and it ended up being a total mess. Took me YEARS to pay that nonsense off, with their high interest and all.
Violinstef
on 09/17/13
DeXel and 1 others liked this  
Discover has student cards that you can get with no credit history.
schezo
on 09/17/13
Same. I tried looking everywhere and I can't find one without having to put in money first. Like around 300-500 USD at least.
ajlinda
on 09/17/13
I started with the amazon store card, not their visa. they said they dont report to the credit bureaus but I checked credit karma a yr and a half later and they were reporting my on time payments. then credit karma said I qualify for some $89 a year (fee) discover card. I looked on their site and found a discover card with no fee. (the IT card)
blackwin
on 09/17/13
clesure25 and 1 others liked this  
I got my first one with Capital One.
Milly0013
on 09/17/13
You still have to pay taxes if you don't have a credit card
mak62184
on 09/17/13
mike832 and 5 others liked this  
Discover is great. You can earn 1-5% for each purchase. You can use your cash back bonus to pay off your card in increments of $50 or more. And you can Aldo use the cash back rewards on Amazon. Just another way of getting stuff for free there.
triathlon29
on 09/17/13
Sportsync and 1 others liked this  
Actually you and others have paid for those awards and then some. Forget even that rewards credit card make encourage you to buy more, discover got $10,000,000,000 in tax payer money. So unless you don't pay taxes you paid for your rewards and then some by providing them lots of income for lobbying money to take our money.
KatieKat
on 09/17/13
DeXel and 2 others liked this  
You still have to pay taxes if you don't have a credit card...
caroliniowa
on 09/17/13
BrittA19 liked this  
just a heads up- a few months ago when my Discover got compromised by an employee of a company that I had a dispute with, the b**** also got into my Amazon acct. Not sure how, I had already gotten her name from another company she charged to, but when I went to Amazon, it said "Welcome Her Name" and that she was the rightful owner of the acct, she had at that time about $5k in the cart, from 60"tv to $150. a bottle face cream to kids books. Discover was great to deal with but Amazon was an absolute nightmare, even with police reports from my city and hers and documentation from Discover that my card had been compromised, they refused to take her name off my acct. Discover said there is no way to prevent linking their rewards w/Amazon. So I hate Amazon!!! Let them eat the 5K, Discover protected me, I tried to warn them but I was the "liar" And they are rude!
tfjparadise
on 09/17/13
I have never liked Amazon and I don't know what the big fuss is all about for the people that do, just my opinion :)
darkllama
on 09/17/13
tfjparadise and 1 others liked this  
Yes, Discover Card is the best..... as long as you can pay your balance in full, because otherwise you will be paying MORE in interest than you will be getting in rewards.
Tclansavermama
on 09/17/13
Discover is a great reward program! No fees and has great options for rewards
Zammanx
on 09/17/13
Whatever.
lookitsatree
on 09/17/13
mike832 and 2 others liked this  
Funny how 2 cards equals several. I have two: one old that reflects several year's credit history, one swagbuck deal. As the rewards have reduced on the older, I've been switching to the newer for better return. But it's the same story with each: I pay in full before the due date, so I don't pay interest or fees. The rewards are free money to me. My family doesn't have debt, and we hope+work to keep it that way.
Rroxxy
on 09/17/13
nicknick119 and 3 others liked this  
Capital one was my first card. Rates don't matter if you just don't spend like crazy and pay the bill when you get it.
Asumagrystsh
on 09/17/13
WHats going on?
AkmaralK
on 09/17/13
lol
Holly2000
on 09/17/13
I could get swaggies for commenting? LOL
BrittA19
on 09/17/13
no
JayTayJay
on 09/17/13
BrittA19 and 1 others liked this  
LOL's are so dumb. Just write HAHAHA. Yes I know you have to press three more keys to write it but unless you are really laughing out loud like a maniac don't write LOL.
Skysdya
on 09/17/13
nicknick119 and 1 others liked this  
How is one dumber than the other? everyone knows what either means because they both are indicative of laughter.
thriftynaiad
on 09/17/13
nicknick119 and 3 others liked this  
....Wait, so LOL is dumb, but hahaha is okay? What about ::giggle:: or /guffaw or #teehee?

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