1. Don't buy things you can't pay for or can't afford
2.Pay your damn bills and payments on time.
3. Steer away from credit cards. ( you are a dummy if you're paying 20 percent interest)



If you have good credit then you have shown yourself to be a reliable person, you have shown yourself to be a person that a business would feel comfortable doing business with. If you have bad credit, don't expect to get that big screen tv you want, or that fancy car you always desired. You have to show yourself approved before you get those things.

I can have sympathy if you receive bad credit due to a job loss, identity theft or fraud, or any other major event that would have a negative impact on your credit. But if you have bad credit due from your lazy ass not paying bills or payments, don't be surprised if you have a hard time getting loans, or the things you want. I have no sympathy for you if you lack responsibility from not paying your bills or payments.

If you have bad credit and can't get nothing due to your lack of responsibility, you deserve what you get...NOTHING.

and people with bad breath deserve breath mints!

fine, if you wanna be a slob and never floss or brush, but don't stand behind ME in line and exhale into the back of MY neck. i will FORCE you to eat a tic tac

XxAxX said:

True enough.

XxAxX said:

Word

co-sign

(and co-sign XxAxX's position statement as well)

All I know is that I never get the cerdit I deserve.

I take offense to this. I was freshly enrolled in college minding my own business when some broads at a table offered me a free t-shirt if I filled out the little pieces of paper. I didn't care about a Mastercard, but WOW a FREE t-shirt Two weeks later those cards started coming and I started buying everything that I knew my parents wouldn't send me. Credit cards should NOT be given to anyone under 21.

I've got a mind to sue the banks who issued them to me. If fat people can sue McDonalds and airline corporations for being overweight, why couldn't I sue Mastercard, Visa and Discover?

damn chickengrease. that's a valid point

chickengrease said:

Who did you think was gonna pay for all of the stuff you bought?

AbucahX said:

Honestly, I thought I was. I had a job. But being 18 and a big dummy I had no clue what interest rates REALLY meant. I thought I'd get by on paying minimum balances. Besides, they were some really kick-ass T-Shirts.

chickengrease said:

Those interest rates should be considered as legal loansharking. I used to get credit cards in the mail, I ripped them up. I only use a credit card for emergencies. A debit card is much better. The only interest I like is the interest I receive from stocks and funds, especially when the interest start to compound.

we Live in a Country in America that is very much in Debt&Stays in Debt.Growing up in the 80's as a Teen it was all about the Have Now Pay Later Mentality.

chickengrease said:

Yeah well I was an adult when I fucked up, so...

I had a 3000.00 corperate card an just before I got laid off I charged that bitch to its limit but after I got laid off they said they aint takin care of it--- well they tryin not to anyhow but they responsible if I get laid off!! So I get my lawer to deal with it. And that the end of that an a few months later I get my job back

chickengrease said:

That reminds me...

I started college when I was 17, and I'd frequently get calls at my dorm room from credit card companies, wanting me to get a card. I could usually cut them off immediately by telling them that I was 17--contracts with minors are generally voidable by the minor, but not the other party--and hence, no bank will give a minor a credit card (unless, perhaps, an adult co-signs for it).

Anyway, one day I decided to teach the free t-shirt people a lesson. They had set up shop outside Ballantine Hall, and I decided to apply for the credit card and get a free t-shirt, knowing that they would reject my application (or so I thought) because I was a minor.

Well, I did this in the fall, and I never heard a word from the credit card company... until about six months later. Two weeks after my 18th birthday, a Platinum Visa card arrived in the mail for me. (The Platinum part must have been a mistake--I had no credit history and was working as the proverbial burger-flipper at the time.) I guess they just decided to hold my application until I turned 18.



I respectfully disagree. In most (all?) states the age of majority is 18, but there are a few things (such as purchasing alcohol) that require a person to be 21. The situation of people between 18 and 20 lacking some "adult rights" is bad enough as it is--we don't need another "must be 21" situation.

To borrow an idea from the Vietnam era, if I'm old enough to be drafted (I had to register with the Selective Service System within 30 days of my 18th birthday), I'm old enough to have a Visa.

Oh, if you're wondering, I'm 24 now. This is not a rant from a peeved 19-year-old.



Any idiot can file a lawsuit. The Clerk's Office doesn't look at the merits of the case--they just want you to file the Complaint, Summons, and Appearance, and pay the filing fee. Whether he or she will win is another matter entirely.

(Matt's standard disclaimer: While I am licensed to practice law in Indiana, this post is for discussion purposes only, is not legal advice, and creates no attorney-client relationship.)

what if he were a genuine spend-aholic? if he fit into a disability category maybe and the credit card enabled his self-destructive behavior? like dram shop laws only different??

matt said:

You calling me an idiot Mr. Matt ? I just wish I had the will power to deny the application. But I swear if you had seen these t-shirts they gave me you would be in awe and you'd have Visa threatening to kill you every week like me. As a matter of fact I'm going to put in on as a reminder of the days of good credit.
[This message was edited Thu Jan 9 17:49:51 PST 2003 by chickengrease]

AbucahX said:

kiss my broke ass, bitch.

FirstAvenue said:

Nah, I'll pass

BAD credit is all i know...
there are more ways of loosin whut you have.
there are more ways gettin whut you need.

00769BAD said:

True indeed.