this post was submitted on 28 Apr 2025
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Chat is a text only community for casual conversation, please keep shitposting to the absolute minimum. This is intended to be a separate space from c/chapotraphouse or the daily megathread. Chat does this by being a long-form community where topics will remain from day to day unlike the megathread, and it is distinct from c/chapotraphouse in that we ask you to engage in this community in a genuine way. Please keep shitposting, bits, and irony to a minimum.

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How did you get your first job? Apartment/house? Dating?

I ask because I really only did so after years of bouncing around from colleges, summer abroad programs, living with friends, and really just use Zillow or StreetEasy to look.

(I also ask because I want a distraction from the world that isn't entertainment or documentary/non-fiction and often daydream about what things I could have done different had I known things - real life skills - earlier.)

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[–] [email protected] 14 points 2 days ago (2 children)

Never get a credit card with a limit higher than a single average paycheque. Treat it like a debit card that's accepted for things that don't accept debit cards like certain hotels. If you don't have the cash in your bank account so that you can immediately pay it off in full within minutes of making a purchase, don't use it. Immediately trash all offers for increased limits. You do not want to go down the credit card debt rabbit hole. It's fun for awhile, and then suddenly you're sending half your take-home pay in interest alone to the bank.

[–] [email protected] 9 points 2 days ago

100% this. Credit card debt is a fuck

[–] [email protected] 4 points 1 day ago

Immediately trash all offers for increased limits

Nah you should accept the increase just don’t use it. Keeps your usage percentage low which helps your credit score