Does anyone have the Dover Saddlery credit card?
 
 

       The Horse Forum > Keeping and Caring for Horses > Horse Talk

Does anyone have the Dover Saddlery credit card?

This is a discussion on Does anyone have the Dover Saddlery credit card? within the Horse Talk forums, part of the Keeping and Caring for Horses category
  • Dover visa credit score
  • Where to send dover saddlery credit card payment

 
LinkBack Thread Tools
    05-14-2008, 12:48 PM
  #1
Weanling
Does anyone have the Dover Saddlery credit card?

I'm 19 and I have yet to build my credit. Nobody is willing to give me a card without having a cosigner. I didn't see anything in their terms and conditions about needing a cosigner. Although I did just briefly skim it so it's possible I could've missed it. But anyway, does anyone have this card? Do you like it? What are the good and bad things about it? Keep in mind I know nothing about credit. So I don't know what a good apr rate is. Or what fees are normal and what are ridiculous. Please help I'm a total credit virgin. I do understand that getting a free $10 gift certificate for every $2500 spent at Dover isn't much of a reward. But I'm not worried about that. All I want to do is build credit.

Here's the link to the card:
http://www.doversaddlery.com/applyfo...visa-card/i/2/
     
Sponsored Links
Advertisement
 
    05-14-2008, 01:13 PM
  #2
Trained
This is just my personal opinion. I believe that credit cards are just a way of getting a lot of money out of you, especially for younger people when the APR rate goes up. 17% is pretty high. If you have a credit card, pay things off immediately, or else that $100 horse blanket turns into a ridiculously expensive dress that you are still paying off 6 months from now.

I went to college for a semester and I had 2 loans. One for $1,000 and one for $7,500. With interest, my loans went form $1,000 to $1,500 and from $7,500 to a little over $8,000. I've been paying them back on time for almost a year now, and while it's taking forever to get rid of them, making payments on time, and not paying them off when I had the ability is helping my credit grow. My fiance told me, it's not how much you pay per month, it's how long you are able to be on time with your payments.

Just be careful with credit cards, because unlike a check card you (not you, but a generalized you) get from a bank where you can only spend as much money you have in there, you can spend a whole lot more with a credit card, and when you get the bill, you may not have the money to pay for it, which in turn could lean to just the opposite happening (instead of getting a credit card to up your credit, you're actually hurting your credit)

That's just my 2 cents though.

Edit:
Just did a quick search on google for pros/cons of credit cards.
http://www.ocf.berkeley.edu/~knffjw/...nsproject.html
http://findarticles.com/p/articles/m...7/ai_n15762682
http://ezinearticles.com/?Pros-and-C...Cards&id=89585
     
    05-14-2008, 01:38 PM
  #3
Weanling
I thought that if I made a rule to not buy anything over $10 per week unless there's a life threatening emergency than I shouldn't get into to much trouble. The thing is if I don't have credit I'll have a hard time getting a car and a house/apartment. Because where I live you have to have credit to get pretty much anything.
     
    05-14-2008, 02:04 PM
  #4
Trained
Well then that sounds like a good idea. I know the APR rate, the highest was like 17. Something% that's a little on the high end, but that doesn't mean that you'll get that.

I do agree that having a credit card for emergencies is a good idea. I, personally, have never really wanted on, nor had the need for one.

If you feel good about it, then go for it! :)
     

Quick Reply
Please help keep the Horse Forum enjoyable by reporting rude posts.
Message:
Options

Register Now

In order to be able to post messages on the The Horse Forum forums, you must first register.

Already have a Horse Forum account?
Members are allowed only one account per person at the Horse Forum, so if you've made an account here in the past you'll need to continue using that account. Please do not create a new account or you may lose access to the Horse Forum. If you need help recovering your existing account, please Contact Us. We'll be glad to help!

New to the Horse Forum?
Please choose a username you will be satisfied with using for the duration of your membership at the Horse Forum. We do not change members' usernames upon request because that would make it difficult for everyone to keep track of who is who on the forum. For that reason, please do not incorporate your horse's name into your username so that you are not stuck with a username related to a horse you may no longer have some day, or use any other username you may no longer identify with or care for in the future.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


Old Thread Warning
This thread is more than 90 days old. When a thread is this old, it is often better to start a new thread rather than post to it. However, If you feel you have something of value to add to this particular thread, you can do so by checking the box below before submitting your post.

Thread Tools



All times are GMT -4. The time now is 07:47 AM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.6.0