Credit Cards?

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Re: Credit Cards?

Post by MKE » Sat Nov 17, 2007 1:59 pm

but if you have all those cards, how much in open credit do you have?
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Re: Credit Cards?

Post by bizzle » Sat Nov 17, 2007 3:11 pm

MKE wrote:but if you have all those cards, how much in open credit do you have?
2/3. Nothing is more than half and one card has $0 on it.
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Re: Credit Cards?

Post by Lartrak » Sat Nov 17, 2007 8:49 pm

I am 25 and am trying to apply for my first credit card, I had so so much trouble getting approved and now it's taking forever for my card to actually arrive!
[/quote]

It's the most common Catch22 in the world. They won't approve you for a credit card because you have no credit history, and you can't easily get credit history without a card. I ended up getting my first one with a cosigner.
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Re: Credit Cards?

Post by |darc| » Sat Nov 17, 2007 11:45 pm

Lartrak wrote:
I am 25 and am trying to apply for my first credit card, I had so so much trouble getting approved and now it's taking forever for my card to actually arrive!
It's the most common Catch22 in the world. They won't approve you for a credit card because you have no credit history, and you can't easily get credit history without a card. I ended up getting my first one with a cosigner.[/quote]

It's weird, because I recently got a credit card a few weeks ago, and yesterday I got an AT&T account without a deposit, and neither of them said anything about my credit. They just gave it to me. These are the first things I've signed up for.
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Re: Credit Cards?

Post by JellyWarrior » Sun Nov 18, 2007 3:32 am

Lartrak wrote:
I am 25 and am trying to apply for my first credit card, I had so so much trouble getting approved and now it's taking forever for my card to actually arrive!
It's the most common Catch22 in the world. They won't approve you for a credit card because you have no credit history, and you can't easily get credit history without a card. I ended up getting my first one with a cosigner.[/quote]
Yea and the stranger thing is that it's because of my new job, they want 6 months of continuous employment.

I recently took up a high paying job, that means that when I was making almost no money at all running my business I had less chance then now when I can easily afford it.
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Re: Credit Cards?

Post by SuperMegatron » Mon Nov 19, 2007 8:35 am

bizzle wrote: No shit. I can't get approved, which is ridiculous because I have good credit and a decent paying job.
Hmmm. Try going to dodge or GM and getting one of there 0% interest rate loans for a new car. Then use your credit cards to pay the insurance.
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Re: Credit Cards?

Post by JellyWarrior » Mon Nov 19, 2007 1:50 pm

At the end of the day if you can't get a credit card then it's probably a good thing anyhow because it means that you're not spending money that you don't have.
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Re: Credit Cards?

Post by Lartrak » Mon Nov 19, 2007 4:07 pm

I got a credit card to build credit. That's quite literally the only reason, as almost all the time I actually use a check card instead. Someday I'm going to want to do stuff like buy a home (probably within two or three years, actually).
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Re: Credit Cards?

Post by |darc| » Mon Nov 19, 2007 6:37 pm

Lartrak wrote:I got a credit card to build credit. That's quite literally the only reason, as almost all the time I actually use a check card instead. Someday I'm going to want to do stuff like buy a home (probably within two or three years, actually).
Same here. I'm not into spending money that isn't mine, so I'll probably just wind up using my debit card when I can let go of the habit of always using cash.
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