u/Double_Coffee8482

▲ 7 r/moneyadvice+1 crossposts

Is it a terrible idea to get a credit card to take on small debts?

To make this as short and easy to digest as possible, I went to a community college last year, and ended up having 2k left at the end of the semester. Life eventually caught up to me, the payment reminders stopped for a little, and I eventually forgot ( FYI this is completely irresponsible on my part, and I am aware of this now. I want to clear this debt asap before anything worse happens!).

They ended up sending me an email with the bottom line being "if you don't pay by July 9, we're going to legally come for you and the money you owe us". I have a high paying job starting in 2 weeks, but that unfortunately will not be able to cover the full 2k before the deadline.

This lead me to the idea of opening another credit card, putting that debt money into the new account (therefore clearing the deadline worry), and making larger payments on that account after I get my job when I receive stable checks. I currently already have a card I am paying off, my credit score is pretty good according to my credit check, and I am extremely confident I can pay off at least one of them before the summer ends, since I don't have much else to pay for. I can't put this 2k into my original account since there isn't enough space either.

I'm curious if there is a better option or way to go about this. I'm not sure if I'm jumping to the hardest option, and want a second opinion before I potentially bomb my credit score. If this actually is a somewhat plausible idea, I would appreciate any advice on good companies that could be a good fit for my situation, since I don't necessarily need a ton of benefits. Thank you!

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u/Double_Coffee8482 — 14 days ago

Gay friend and someone from Michigan got a threatening message in a group-chat, is this a scam?

My friend (gay) just got this message from an unknown number. He doesn't know anyone from the Louisiana area, and doesn't know the other person in the groupchat. After looking up the other person though, he's gay as well. We're not sure if this was a bad scam attempt or something he should be nervous about. (The pic that was send was in fact a d pick)

The other person's area code in the group-chat is from Michigan. We found their social medias and they also seemed to be gay. It's a super weird situation but it seems like a scam.

The text thread basically was him just saying how he has big d energy, and threatening my friend and some other guy. The 'byeeeeeeeeeee' also throws me off, because what? If anyone knows anything about this, any help is appreciated!

u/Double_Coffee8482 — 28 days ago