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Old 04-21-2015, 11:09 AM   #1
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Credit...

Paypal just gave me a line of credit ... RIP my Money... What to buy first? my mustang is 100% stock as of right now.
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Old 04-21-2015, 11:13 AM   #2
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Paypal just gave me a line of credit ... RIP my Money... What to buy first? my mustang is 100% stock as of right now.
How much credit did you get? I would get gears and mpt tune

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Old 04-21-2015, 11:15 AM   #3
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Don't buy anything on credit that you can't afford to pay off right away - and, instead of using Paypal credit, use a credit card where you get a percentage back and pay it off at the end of every month. It's free money.
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Old 04-21-2015, 11:21 AM   #4
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I can afford it i just rather finance something and make my credit go up a little bit rather then debit the parts.
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Old 04-21-2015, 11:24 AM   #5
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Yeah, what I said was no fun any way. Have at it. What stanglife said was good - gears and tune.
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Old 04-21-2015, 11:25 AM   #6
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If the line of credit isn't 0% APR, don't waste your time and money using it. If it is 0% APR, go nuts and calculated the minimum payment you'd need to make a month to pay off the balance before the end of the 0% APR offer. That's how I do all my bigger purchases.



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Old 04-21-2015, 11:28 AM   #7
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It is 0%
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Old 04-21-2015, 11:31 AM   #8
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If you don't pay it off within a certain time they turn around and rape you with a 29% Apr for every month before that time too

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---------- Post added at 11:31 AM ---------- Previous post was at 11:30 AM ----------

I would avoid PayPal credit and get an actual card preferably through your bank

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Old 04-21-2015, 01:18 PM   #9
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The good thing about Paypal is if you spend over 99.00 you get 6months no interest or payments....I like that option.
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Old 04-21-2015, 01:40 PM   #10
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I am thinking about getting MAGNAFLOW RACE SERIES AXLE-BACK EXHAUST

Magnaflow Race Series Mustang Axle-Back Exhaust 15596 (11-14 V6) - Free Shipping

what are your guys thoughts?
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Old 04-21-2015, 01:43 PM   #11
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I am thinking about getting MAGNAFLOW RACE SERIES AXLE-BACK EXHAUST

Magnaflow Race Series Mustang Axle-Back Exhaust 15596 (11-14 V6) - Free Shipping

what are your guys thoughts?
Scott - I personally think that the Race Series is a little too on the raspy side and will get annoying really fast - These are just my .02 but for that kind of money it could be spent paying some bills! For what it's worth any type of exhaust you're going to throw on these cars it should have a chambered setup so it wont drive you nuts on a 45 minute drive or longer! Feel free to shoot me a PM if you're to have any other questions or need any help at all, I'm always around!

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Old 04-21-2015, 04:31 PM   #12
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I disagree with what everyone is saying about credit. I don't know how old you are but credit is very important. In life an excellent credit history will get you far. I have a son who is 20 and in the Navy, its very easy for him to get credit and I tell him to. Running away and hiding from credit cards isn't the best advice. What you need to do is get a good, no excellent credit history. Learn how to use credit by keeping things manageable. Don't get a 10,000 card and max it out in 2 days. Spend 500.00 -1000.00, make about 6 payments and then pay it off. Do this with 3 or 4 cards over the course of any given time period and you'll have an excellent credit history. The important thing is to make some payments. This will get your credit score up there.
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Old 04-21-2015, 05:07 PM   #13
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I disagree with what everyone is saying about credit. I don't know how old you are but credit is very important. In life an excellent credit history will get you far. I have a son who is 20 and in the Navy, its very easy for him to get credit and I tell him to. Running away and hiding from credit cards isn't the best advice. What you need to do is get a good, no excellent credit history. Learn how to use credit by keeping things manageable. Don't get a 10,000 card and max it out in 2 days. Spend 500.00 -1000.00, make about 6 payments and then pay it off. Do this with 3 or 4 cards over the course of any given time period and you'll have an excellent credit history. The important thing is to make some payments. This will get your credit score up there.
I'm 20 and this is what I did. My score is sitting around 700 and should go up once a credit limit increase of 1200 is reported and two 0 balances are reported.
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Old 04-21-2015, 07:29 PM   #14
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I disagree with what everyone is saying about credit. I don't know how old you are but credit is very important. In life an excellent credit history will get you far. I have a son who is 20 and in the Navy, its very easy for him to get credit and I tell him to. Running away and hiding from credit cards isn't the best advice. What you need to do is get a good, no excellent credit history. Learn how to use credit by keeping things manageable. Don't get a 10,000 card and max it out in 2 days. Spend 500.00 -1000.00, make about 6 payments and then pay it off. Do this with 3 or 4 cards over the course of any given time period and you'll have an excellent credit history. The important thing is to make some payments. This will get your credit score up there.
I get discounts on my insurance because of my credit score. Last time I rented an apartment it was a rather exclusive place and they wouldn't let you rent unless your score was at least 700. A lot of employers are looking at credit scores for hiring now. Since my score has gone over 800 I can get really low interest rate loans if I want them. A great deal of life is dependent on a good credit score these days.
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Old 04-21-2015, 09:07 PM   #15
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I am at 800, I only have a best buy card and a $5k credit account(no card just an account I can pull money from if needed). I always pay all my stuff ahead of schedule and never pay minimums. I finance/trade a new car about every 1-2 years. I have also bought and sold a house. I'm 35 now and 10 years ago I was barely a 600 score. You don't need a lot of credit for a good score. Just spend on the credit you have, and always pay it off ASAP. Never look at what the minimums are, look at how much you can afford to pay back to get it paid off ASAP and repeat.

Speaking of... I just passed the 1 year mark on my mustang, time to shop. Muahaha.
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Old 04-22-2015, 12:17 PM   #16
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I am at 800, I only have a best buy card and a $5k credit account(no card just an account I can pull money from if needed). I always pay all my stuff ahead of schedule and never pay minimums. I finance/trade a new car about every 1-2 years. I have also bought and sold a house. I'm 35 now and 10 years ago I was barely a 600 score. You don't need a lot of credit for a good score. Just spend on the credit you have, and always pay it off ASAP. Never look at what the minimums are, look at how much you can afford to pay back to get it paid off ASAP and repeat.

Speaking of... I just passed the 1 year mark on my mustang, time to shop. Muahaha.
Actually this isn't quite accurate. You don't want to pay off too quickly. You need to show good payment history. I worked for a company that did a lot of credit repair and I learned a lot. The other big factor is that you never want to go over 35% of your balance for long periods of time. Building good credit takes time and patience, but once you get there try like hell to maintain it, even one or two late payments could be the difference...
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Old 04-22-2015, 12:53 PM   #17
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So i have been siting here looking i still don't know what to buy >.> LOL, thinking bama X4 tuner
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Old 04-22-2015, 12:56 PM   #18
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I give it 6 months and the car is reposessed
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Old 04-22-2015, 01:01 PM   #19
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I give it 6 months and the car is reposessed
First My car is paid off... Second I have a very nice job as a IT Admin and I get paid rather well. If I want to pay the stuff off right away I would do so. But I would rather build my credit history.
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Old 04-22-2015, 03:57 PM   #20
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I never charge anything I don't have the money up front for. Just how I was taught to do things. I would hate for something to happen to where the money I don't have goes to something important and then I can't make my payment on a tuner or other performance part. When I get my 400$ cash then I'm going to buy my tuner but I have other stuff to pay off for now.


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Old 04-22-2015, 04:29 PM   #21
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Gears and a tune is where you should start if you are looking for performance.
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Old 04-26-2015, 08:54 PM   #22
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I give it 6 months and the car is reposessed
I know I'm new around here, but that seems unnecessarily harsh, especially coming from a 'staff member'.
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Old 04-26-2015, 09:12 PM   #23
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I know I'm new around here, but that seems unnecessarily harsh, especially coming from a 'staff member'.

Lolololol


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Old 04-27-2015, 05:07 AM   #24
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Lolololol
If the joke's on me, hey, I prefaced my statement by expressing my rookie status here. But judging from the OPs response, he didn't catch the humor either. And I have had the misfortune of being on at least one other forum where posters were apt to make statements like that and mean it.
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Old 04-27-2015, 06:51 AM   #25
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i've bought a ton of parts on credit... not the smartest thing to do because you dig yourself into a hole thats hard to get out of... Thank god for overtime..
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Old 04-27-2015, 07:51 AM   #26
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If the joke's on me, hey, I prefaced my statement by expressing my rookie status here. But judging from the OPs response, he didn't catch the humor either. And I have had the misfortune of being on at least one other forum where posters were apt to make statements like that and mean it.

Yeah we are all just playing around man. It's a good forum and welcome if you haven't already been. Some really smart people on here that will help you with the dumbest/simplest questions or even the most complex ones. We tend to **** talk eachother lol but it's all fun. Let me know if you need anything!


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Old 04-27-2015, 08:11 AM   #27
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If I did not know how to take a joke I would not be on any forums lol let alone a car one.
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Old 04-27-2015, 08:43 PM   #28
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If I did not know how to take a joke I would not be on any forums lol let alone a car one.

In that case, maybe see if Procharger takes PayPal?


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Old 04-27-2015, 08:45 PM   #29
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I know I'm new around here, but that seems unnecessarily harsh, especially coming from a 'staff member'.

Not being harsh, just honest. The mentality of buying whatever because you don't have to pay right away is what caused the stock market crash and the Great Depression.


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Old 04-27-2015, 11:48 PM   #30
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Be careful, and spend wisely. Try to pay off your cards monthly, but do spend
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Old 04-28-2015, 05:39 AM   #31
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Not being harsh, just honest. The mentality of buying whatever because you don't have to pay right away is what caused the stock market crash and the Great Depression.


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Lol, you realize that most purchases (homes, cars even college and university fees) are not paid out right cash and are on "credit/loans". In sure a few hundred dollars on car parts won't cause a great depression.

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Old 04-28-2015, 07:51 AM   #32
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Paying for stuff with cash in full is considered bad investing anyways. As long as you're responsible, you always want to borrow if you can earn a higher return than you're paying for that borrowed money elsewhere.




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Old 04-28-2015, 08:56 AM   #33
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what are you guys thoughts on this set of axlebacks?

Roush Axle-Back Mustang Exhaust 421145 (11-14 V6) - Free Shipping
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Old 04-28-2015, 09:46 AM   #34
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Honestly If I was to spend the money on a good set of axlebacks I would go Borla's either touring, if you like it quiet but still some aggression, or S-Type aka Stingers, if you want it louder but not obnoxiously so. The ataks are just a little too much for my taste. I hate to say this but, get a good pair of headphones and listen to some of the exhaust videos of the different exhausts of the people actually driving around, normally it will give you a good idea of how the car will sound from accelerating to just cruising around. But of course that will never beat hearing it in person, should you get the chance.
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Old 04-28-2015, 10:05 AM   #35
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Credit...

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Lol, you realize that most purchases (homes, cars even college and university fees) are not paid out right cash and are on "credit/loans". In sure a few hundred dollars on car parts won't cause a great depression.

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I have nothing against actual credit cards, you misunderstood what I said.

It's when people think "oh I don't have to pay for this right away, let me go buy a ton more stuff"

That mentality in someone will get worse and worse, that's why you see a lot of people with debt and bad credit scores nowadays.


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