smog-guy707

iTrader: (11)

so... i just got a credit card with a 4500$ credit line with no interest for one year and im goin to use it all on the fd so i wanted all your guys inputs on what you guys would get

ok so here are the mods on my car... (94 stock twins)

down pipe, exhaust, intakes, pfc, walbro 255, boost gauge, boost controler (stock boost), lowering springs, cusco strut bars, turbo timer,

radiator is on the way...

MADDSLOW

iTrader: (11)

Be very careful how you spend the money on that card, and make sure you leave plenty of room left over in case of an unexpected mishap, ie a blown engine.

As for what you should buy; what are your goals with the car?

overspooled

I'd get rid of the walbro pump and go with a denso just for good measure....
how many miles on her? may want to look at some general wear items...

dhays

iTrader: (1)

Not to sound like an old guy, but I am. When looking at what you want to buy, ask yourself if it is worth spending $375 a month on it for the next year? Alternatively, is it something that you would fork over $4500 cash right now to buy?

Nothing wrong with using free money for a year, but keep in mind that you will have to pay it back. And unless you are truly ignorant, you'll want to pay it all off before you are charged any interest at all.

93RedDragonFD

iTrader: (16)

Midpipe (Hi Flow Cat) if you dont already have one, Considering your radiator you ordered is to replace stock location then SMIC, Aluminum AST (pettit), Efini Y-Pipe, Clutch/Flywheel, Non-Seq conversion, MBC or EBC, turn up the boost & tune it. If you have any left after that save it incase something goes wrong and needs to be replaced/fixed.... Thats what i'd do.

4CN A1R

iTrader: (6)

what about cosmetics

MADDSLOW

iTrader: (11)

blah

Turbo II Rotor

iTrader: (2)

+2

Red95FD

iTrader: (3)

Put the card in your wallet. Pay cash for whatever you want to buy. Then when your car breaks, you'll have a way to pay for the repairs. Yes, I'm an old guy. You don't have to learn from your mistakes. You can learn from mine. It will be soooo much easier. This is good advice. If you are smart, you will take it.

Copeland

iTrader: (42)

That's what I'd do.

YOUWSH

FD on credit is a no no particularly on parts that will contribute to you blowing your motor. A whole year is a long time and by the sounds of things you want to max that $4500 on parts which only increases the chances of engine failure.

Scenario: 6 months down the track you happen to blow your motor and a week later something happens in your personal/family life where you need money fast. What will you do then?

Athanon

iTrader: (4)

yeah ahh dont pay interest on performence parts use that thing else where lol

BenjiRX-7

iTrader: (3)

the guy has an FD, he doesnt need to spend a dime to make it look awesome.

smog-guy707

iTrader: (11)

no im not going to max it out... i just wanted to get all your guys inputs thats all.
i really appreciate the advice...

i make decent money (im not rich or anything but i have a little tacoma i drive a lot) and i already have some money for a rebuild but not all of it

anyone else?

FearNoPiston

iTrader: (17)

99 spec

mikeric

iTrader: (20)

1. Max it out.

2. Put the money in an Orange Savings account at 3% for one year. With accumulated interests you will make about $150.

3. After one year pay off the card and use your free $150 for something you want.

BigIslandSevens

iTrader: (4)

He does if he does not want a miata on steroids


Now as others have said do not spend cc money on parts... unless for a major repair. A year will FLY bye then you stuck up a creek with a big payment.

Just enjoy the car and do little things,,, vaccum lines, pillow ball bushings, coolant lines (all of them), fuel lines and filter, fue pulse damper, plugs, etc...

If it were me and it had been a while since my last big service,.... that's what i would spend money on.

ArmitageGVR4

iTrader: (13)

Good lord. A credit card is not free money. Do not buy anything with it that you do not have the cash to pay for at the end of the month unless it's an emergency. And no, buying upgrades for your car is not an emergency.

mikeric

iTrader: (20)

There is free money to be had if you follow my advice above!

pauli311

iTrader: (2)

Well even if its 12 months 0% financing, you still have a monthly minimum payment to meet. I don't know your situation, so forgive me beforehand.
If you have 12 months to pay it off, they are going to charge a percentage of your total used credit and make that your minimum monthly payment. There is no interest, but you still have to make THAT payment or you get hit with a late fee. If you do that once or twice, it really makes the 3% seem negligible. There are better ways and still safe ways to invest 4500$ and make more than 150$ :P.
You do the math. You never know when the **** will hit the fan.

dgeesaman

iTrader: (7)

Especially because the interest rate will be horrid.

Credit card companies love consumers who get sucked into spending before they've earned it. In the long run you end up with less 'stuff' than if you always paid cash, and they get a constant revenue stream. The reason this trick works is because most people cannot slow their spending when it's time to buckle down and pay off the balance. So they get used to keeping a balance and the credit card company makes loads of money doing nothing.

Dave

sip

Nice Wheels.
the rest you will spend in one year on gas.

cash money

#1. You can't really turn credit into cash, unless you do a cash advance, but the rates+fees on those are ridiculous, the 0% doesnt apply to that.

#2. If you are gonna put money away for a year you get way better than 3%, 5-7% on CDs with credit unions, or 5+ % in checking accounts in international banks like HSBC, the only downside it that it takes like 2-3 days to get your money.

edit - those banks interest rates have dropped a lot since I last checked, but I think the CD rates are still valid.

But I do agree with everyone that says not to blow you load on the credit card, I normally I don't spend more on my credit cards than I can pay off at the end of the month, but he's a grown adult.