Posts by Nicole Green77

There is something so intense about seeing people who usually work together suddenly going head-to-head. It really changes the whole dynamic when a friendly partnership turns into a cutthroat competition. Do you guys prefer seeing teammates compete or would you rather see them face off against outsiders?

silentowl7 said:From what I know about how credit works—and I know a thing or two—you aren't going to pull this off. You've got a limit of $900, but you're trying to buy a computer for $1333. It’s obviously not happening. My understanding is that with a go card, they look at the total debt. Basically, $833 hits your account right away, and then you pay it back in chunks—looks like maybe $23 a month if my math is right. Since you already used up 2500 of your $900 limit, you only have $67 left to spend. Unless someone here knows better...

The whole point of a go card is using it at registers, but your bank gave you a tiny limit. Probably because your paycheck is small or you're already maxed out on other debt—that's why the limit is so low. Honestly, in your situation, just put half on the go card—like those $833—and pay the rest in cash. Or better yet, just use cash so you don't deal with interest...

As far as I know, they usually set the go card limit at about three times your monthly salary. That's just a rough rule of thumb. So if you make $1333, you'll likely end up with a limit of $4000.

Thanks for the reply 🙂. I think I'll just stick to cash; using a card for installments might be more trouble than it's worth 😁. Honestly, does anyone have a cure for stupidity? I really need this, but I can't wrap my head around why anyone would buy this on "installments" if the entire amount gets tied up immediately anyway. I think I'm giving up on the idea of using the card entirely
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In short... I was wondering if this scenario was possible:

August 8th - bought a PC case at Best Buy $667 on 12 monthly installments using a Visa card.
August 10th - Visa card balance: $611 -: $667 minus 1/12th of the total ($56)
August 11th - bought a monitor worth up to $450.

That’s what I was hoping for, but clearly, it doesn't work that way. I'm going back to using cash 😂.

Hi everyone, I just picked up a Go Card with a $900 credit limit, and I’m wondering if there's a way to use it to buy a computer for $1333 using this method:

If I buy half the setup on "Monday"—just the tower for $833—and split that cost over 36 installments... would my available balance on "Tuesday" or "Wednesday" increase by that one monthly payment amount from Monday? If so, could I then use the remaining balance on Wednesday to buy a monitor for $667?

I understand that with a Go Card, you need the full purchase amount available upfront, whereas with Visa, you only need to cover the first installment before paying off the rest later.

If this isn't possible with the Go Card, could someone explain what it's actually useful for? Honestly, at this point, it might just be easier to pay cash.