obtaining a credit card

Bucknub · **obtaining a credit card -** 03-04-2005, 08:23 PM

ok, ive been trying to get a credit card for a while and each application I apply for I get denied, I don't know why. I lie, like most people do on a credit card form to get one. but I still cant get it. I have a job, only have two bills to pay, which are nothing and I give my parents $60/month for room and board. I've been turned down at least 4 times and each time I get denied, any little credit I have, goes down, and my parents had some issues with a bank and now they dont have a credit card so I cannot co-sign with them. I dont go to college or university (at the moment) so I dont have one handed right to me. now I just applied again for a card and told them my monthly income was $1300, which is a lie. i make much less than that. I really need a credit card, it would help me and be alot more convienent, plus I plan on buying a car later this year, and im pretty sure I'll need a credit card.

so what are some other methods of obtaining a credit card that you guys know of?

[DAS REICH] Blitz · 03-04-2005, 08:25 PM

Lieing isn't a good way to get what you want. eek:

Bucknub · 03-04-2005, 08:27 PM

[quote="[DAS REICH] Blitz":59b95]Lieing isn't a good way to get what you want. eek:[/quote:59b95]

well, I don't think putting down what I really make monthly would be any help at all.

Jin-Roh · 03-04-2005, 08:27 PM

[quote="[DAS REICH] Blitz":d2172]Lieing isn't a good way to get what you want. eek:[/quote:d2172]

Yeah, lying is for satan.

ninty · 03-04-2005, 08:30 PM

why do you need a credit card.

i really can't understand why people want them when they don't have the money to pay for stuff. Do people really like paying 18% interest or whatever it is? I guess sometimes their required for people living on their own who need to pay rent and things are tight, .

I have a credit card that I use for internet purchases. I always pay it off and i've never missed a payment. Never payed any interest. When I first got it they gave me a $500 limit. They bumped it up to $1300 now. I don't really need that much because the most my card has ever been was probably $400.

Anyway, i don't think you can get one without co signing which you said you can't do. looks like your screwed.

Jin-Roh · 03-04-2005, 08:31 PM

Quote:

Originally Posted by ninty9

why do you need a credit card.

i really can't understand why people want them when they don't have the money to pay for stuff. Do people really like paying 18% interest or whatever it is? I guess sometimes their required for people living on their own who need to pay rent and things are tight, .

I have a credit card that I use for internet purchases. I always pay it off and i've never missed a payment. Never payed any interest. When I first got it they gave me a $500 limit. They bumped it up to $1300 now. I don't really need that much because the most my card has ever been was probably $400.

Anyway, i don't think you can get one without co signing which you said you can't do. looks like your screwed.

^ fine example of a human being with ... smartness.

Bucknub · 03-04-2005, 08:32 PM

Quote:

Originally Posted by ninty9

why do you need a credit card.

Quote:

Originally Posted by Bucknub

I plan on buying a car later this year, and im pretty sure I'll need a credit card.

also, Id like to buy things off the interweb aswell. and Id like to build up my credit.

ninty · 03-04-2005, 08:35 PM

oh, missed that part. oOo:

your going to put a car on your credit card? oOo:

I've had my card for 2 years and I have a 1300 limit. I doubt if you get a card now you'd have a high enough limit to buy a car with. I've bought 2 cars in my lifetime without a credit card.

And why would you put a car on a card anyway? you can't really pay it all off at the same time, then you'd be paying interest on it. doesn't make sense...or am i missing something?

tomxtr · 03-04-2005, 08:37 PM

First of all, don't lie. Secondly, make sure that you are current with all your obligations. If you're missing payments that are in your name, that will show up on your credit report. Also, realize that the more that you apply for credit, loans, etc. that can hurt your overall credit score. Each time that your credit report is pulled from one of the 3 major companies in charge of that shit, it counts against you. That is of course you all applications are made within a close period of time for the same thing; mortgage or car loan for example.

Sounds like you should stay away from a credit card. If you don't have the coin to pay for stuff outright, it'll just get you in trouble.

If you really need one for the convenience of ordering shit and that kind of thing, your best bet is to call one of these companies and see what they can do for you. Its to easy to just deny your application.

Good luck.

Cpt. Obvious · 03-04-2005, 08:38 PM

Quote:

Originally Posted by ninty9

oh, missed that part. oOo:

your going to put a car on your credit card? oOo:

I've had my card for 2 years and I have a 1300 limit. I doubt if you get a card now you'd have a high enough limit to buy a car with. I've bought 2 cars in my lifetime without a credit card.

And why would you put a car on a card anyway? you can't really pay it all off at the same time, then you'd be paying interest on it. doesn't make sense...or am i missing something?

Usually having a credit card boosts your credit rating so you can get a better loan from the bank. I might be wrong I dont know.

Jin-Roh · 03-04-2005, 08:40 PM

I had a $213 bill from all the World War II books I ordered. Took me about 7 months to pay it. biggrin:

I wonder if that makes things bad. oOo:

Duke_of_Ray · 03-04-2005, 08:41 PM

I am going to get a credit card for internet purchases only, hate those bloody things.

Bucknub · 03-04-2005, 08:42 PM

Quote:

Originally Posted by ninty9

oh, missed that part. oOo:

your going to put a car on your credit card? oOo:

I've had my card for 2 years and I have a 1300 limit. I doubt if you get a card now you'd have a high enough limit to buy a car with. I've bought 2 cars in my lifetime without a credit card.

And why would you put a car on a card anyway? you can't really pay it all off at the same time, then you'd be paying interest on it. doesn't make sense...or am i missing something?

I never ssaid I was going to buy a car with a credit card, but im sure a credit card is required when purchasing a car to show some kind of reference. and I dont plan on using it for major pruchasing, Im very careful with my money. just having the credit card itself, helps.

tomxtr · 03-04-2005, 08:43 PM

Quote:

Originally Posted by ninty9

oh, missed that part. oOo:

your going to put a car on your credit card? oOo:

I've had my card for 2 years and I have a 1300 limit. I doubt if you get a card now you'd have a high enough limit to buy a car with. I've bought 2 cars in my lifetime without a credit card.

And why would you put a car on a card anyway? you can't really pay it all off at the same time, then you'd be paying interest on it. doesn't make sense...or am i missing something?

If you're getting a card to build a credit history, then good for you go for it. Just don't be a dumbass and make the minimum payment. You'll be asshole deep in debt before you know it. You'll see, as soon as you get one card and you at least make a minimum payment, you'll get solitiations from every financial institution under the sun. They don't like guys like myself or ninty9, because we're using them for a 30 day interest free loan. Guys who don't pay their balances are who they want

The car deal; most dealerships will not let you put any portion of a car on a credit card. I wouldn't even entertain that thought.

philadelphia killing mach · 03-04-2005, 08:54 PM

if you have a SS# you have a credit history. people can lie all they want, credit histories catch'em every time. when i was a car salesman we used to drop at some of the shit people would write and then compare it to the history report.