judyindeskys 0 #26 June 5, 2003 I'm not sure if this will help, but you may already have credit established. Banks call these things "alternative forms of credit". Do you pay rent? If so, your landlord can sign a VOR (verification of rent). Do you have utilities in your name? Arm yourself with account numbers & customer service numbers. Do you have a cell phone or internet connection? If you can come up with a combination of three of any of the above and you have a history of paying them on time, take that to your bank, sit down with a representative and present your case. You should also consider taking your W-2s or income tax returns for the past two years. I sell real estate in an area with many immigrants who pay cash for almost everything, and yet with alternative forms of credit, have worked with many banks and been successful in getting conventional mortgages (as little as 5% down and at current rates - no catches!) 100% of the time. Good luck! Hope this helps. Judy Quote Share this post Link to post Share on other sites
SkydiveMonkey 0 #27 June 5, 2003 Credit cards are evil. all there is to it ____________________ Say no to subliminal messages Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #28 June 5, 2003 Quotethey want to see you are capable of paying over a peroid of time! if you pay em off right away you wont show any credit. This isn't true, though. No matter how you pay off loans, as long as you aren't late or missing payments the credit reports say the same thing: "Pays as Agreed." It says nothing about paying habits, just verifies that you've been paying. You don't need to carry a balance and pay interest on it to get good credit.A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
rmsmith 1 #29 June 5, 2003 QuoteHere is my plan. Enroll in community college. Apply for a student card. Cancel the classes and get my money back. You need a better life plan for yourself. The credit companies, who don't even know you, can see right through your situation. You need to become somebody other than "manual labor", and you do that by going to school. You already won the biological lottery by being born in the land of opportunity--don't squander it! It's your life, and if you don't develop it, you are sure to end up frustrated with yourself when you reflect in your later years. Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #30 June 5, 2003 QuoteCredit cards are evil. all there is to it I could not agree with you more. Unfortunately I have to expense roughly $2,000 to $3,000 per month for work, so I need them. Those really are my major expenses on the 2 cards I have. It is almost impossible to travel without a credit card. Quote Share this post Link to post Share on other sites
SkydiveMonkey 0 #31 June 5, 2003 When I get my overdraft paid off (hopefull in a dew months time), I'm getting a different account at the bank with no credit facilities.____________________ Say no to subliminal messages Quote Share this post Link to post Share on other sites
Michele 1 #32 June 5, 2003 QuoteActually 4 - Experian & Innovis. Innovis is not a big player yet. Thanks, WFFC. Experian! Innovis is not yet a major player, which is why I didn't include them. I tend to work with FICO's, and as they aren't reported on them, I totally forgot about them! D'oh! And JT, Fliege is correct - there is not any point in carrying a balance on the card. It will not say anything other than "Paid as Agreed", if you carry balances and make payments on time or if you pay it in full. So, pay it in full, stay within your budget, and don't incur the dreaded evil finance charges (interest). Ciels- Michele ~Do Angels keep the dreams we seek While our hearts lie bleeding?~ Quote Share this post Link to post Share on other sites
jlmiracle 7 #33 June 5, 2003 I had to yell, kick, and scream to get a credit card. One department store kept rejecting me for credit card for insufficient credit so I called them and asked them how is one going to get sufficient credit if no one will give them credit to start and then I had them explain the process on how I was denyed. I was told that my age was a factor. (I was 19 at the time). I told them that was discrimination and that in the fine print on that DENYED letter they sent back said they CANNOT discriminate due to age, race, etc., etc. and she said will I just don't get as many points, and I said you can't do that and I got a 200 credit limit to start. Call them up - beg.Be kinder than necessary because everyone you meet is fighting some kind of battle. Quote Share this post Link to post Share on other sites
Laurel 0 #34 June 5, 2003 You may have to start out with a high interest rate card with a low limit. Call your bank and see if they have something for you. Just don't let the balance revolve - pay it off each month in full so you do not get charged the interest...................................................................... PMS#28, Pelogrande Rodriguez#1074 My Pink M Quote Share this post Link to post Share on other sites
jfields 0 #35 June 5, 2003 QuoteCredit cards are evil. all there is to it I totally disagree. Credit cards are a beautiful thing. You just have to use them, not let them use you. I've racked up thousands of dollars in benefits without paying any interest. I have a "Stockback" card that gives me rewards in the form of stock, a "Toys 'R Us" card that gives me certificates I can use at their stores (for my daughter), a "Freedom Card" that gives me free gasoline. At various other times, I've had cards earning me money towards computers, Amazon.com credits, etc. It is pretty simple, really. Use the card to charge stuff, then pay in full every month. Repeat. It is simple, but it sometimes requires serious discipline to know that you can't buy something even though you have the credit power to do so. There are two types of credit card users: givers and takers. If you are paying interest on running balances, you are a giver. You give the credit card company money (over what you actually bought). That is how they make money. I'm a taker. To entice people to carry their cards, many credit card companies give perks. I run every purchase I can through my credit cards, and rack up perks, often in the form of cash. I pay the cards in full every month, and give them no interest. So I take the money from the credit card companies. They are willing to put up with some takers as long as the majority are givers, and some are huge givers. Moral of the story? It isn't always better to give than receive. Quote Share this post Link to post Share on other sites FliegendeWolf 0 #36 June 5, 2003 QuoteThere are two types of credit card users: givers and takers. If you are paying interest on running balances, you are a giver. You give the credit card company money (over what you actually bought). That is how they make money. I'm a taker. To entice people to carry their cards, many credit card companies give perks. I run every purchase I can through my credit cards, and rack up perks, often in the form of cash. I pay the cards in full every month, and give them no interest. So I take the money from the credit card companies. They are willing to put up with some takers as long as the majority are givers, and some are huge givers. Although this is entirely true (credit card companies make most of their income on interest), they also take a small percentage of each sale from the merchant, which is why most dzs have cash discounts.A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites SkyDekker 1,465 #37 June 5, 2003 QuoteI totally disagree. Credit cards are a beautiful thing. You just have to use them, not let them use you. Now that is true too, but you have to be very dilligent in completely paying off your balance every month and hence staying within those spending limits. What really makes me laugh is the situation I seem to find myself in. I have two credit cards, a Visa with a $15,000 limit and an Amex with a $20,000 limit and then I have a substantial unsecured line of credit. None of these three carries a balance for longer than 20 days. Capital One keeps sending me an offer for a secured credit card. If I would only send them $75 they will send me a credit card with a $750 limit. It cracks me up every second month Quote Share this post Link to post Share on other sites jfields 0 #38 June 5, 2003 Well, I was simplifying. And by the way, for a DZ to have a cash price and a credit price is actually a violation of their terms of service with their merchant account and the credit card companies. Not that I don't understand why they do it, just that is is probably officially a breach of their contract with Visa, Mastercard, etc. When I go places like that, I don't complain. I just pay cash. Well, unless the surcharge is actually less than the perk I get from the card, in which case I come out ahead paying the higher price and getting more than the difference back. What can I say, I do a lot of math in my head. I'm a freak about maximizing how far my money goes. You should see me standing in front of the toilet paper in the grocery store calculating the unit price of per roll. At least I don't go for the crappy 1-ply stuff. Quote Share this post Link to post Share on other sites SkyDekker 1,465 #39 June 5, 2003 QuoteYou should see me standing in front of the toilet paper in the grocery store calculating the unit price of per roll. Hey, super-geek, just look at the label on the shelf, it should give you teh price per unit. Save you that painful calculating part and the smoke coming out of your ears Quote Share this post Link to post Share on other sites jfields 0 #40 June 5, 2003 Yeah, but there are plenty of times it doesn't work. For example: Two kinds of edam cheese in the case. Domestic has a unit price in $/pound, imported in cents per ounce. If you can go from pounds to ounces and back you can compare. Toilet paper that is one sale, but the unit price shown is for full price. The pathetic slackers in the supermarket don't have unit prices on some sale products. Now cut me some slack! I'm a tighwad about some stuff, but I have damned good credit and I never pay too much. Quote Share this post Link to post Share on other sites FliegendeWolf 0 #41 June 5, 2003 I'm right there with you in loving deals at the supermarket. I love to see the "amount saved this year to date" figure on my grocery receipt, even if I hate those stupid cards. One thing that never shows up in that figure, of course, is the amount I save by buying generic. There are only a few generic products I've purchased where I was disappointed with the quality and some that I like even better than the name brand - Kroger brand triscuits, for example, are not nearly as salty as nabisco triscuits, and the unsalted triscuits aren't salty enough.A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites jfields 0 #42 June 5, 2003 I'm all about generic and store brand products. (Except you have to watch for sneaky sales that actually make the brand name stuff cheaper than store brand.) There are very few products where it makes a difference. Mostly, they are actually the same exact thing, coming out of the same plant, just with different packaging. Being frugal about this kind of crap lets me save money for skydiving and good beer! You have to have priorities. Quote Share this post Link to post Share on other sites FliegendeWolf 0 #43 June 5, 2003 Quote(Except you have to watch for sneaky sales that actually make the brand name stuff cheaper than store brand.) Yep...always cross-checking this. Visually, your eye gets drawn to the yellow tags announcing sale items, and it can be easy to forget to check both the original price of the item (10 cents off a five dollar product ain't a sale price IMHO) as well as the generic price. On a side note, would you like to split the cost of a case of beer with me to pay for "first thread hijacked to discuss grocery savings?"A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites Stacy 0 #44 June 5, 2003 I actually like the publix brand of mac n cheese better than kraft. publix sells big bags of frozen chicken breast as well, bag is resealable, etc. nice! Generics rule! Quote Share this post Link to post Share on other sites jfields 0 #45 June 5, 2003 QuoteOn a side note, would you like to split the cost of a case of beer with me to pay for "first thread hijacked to discuss grocery savings?" Sure. You going to be in Rantoul (or at the Eloy winter boogie)? We can go and buy it then. Of course, professionals like us will quickly determine the unit cost per beer and which which size of packaging is the most advantageous for our personal beer selection. Quote Share this post Link to post Share on other sites FliegendeWolf 0 #46 June 5, 2003 lol...and of course we always buy generic beer (you know, like on TV shows when someone is drinking out of a white can with big red letters: BEER)... NOT What the hell are we talking about? Fuck buying beer...we ought to just collaborate on a batch of homebrew! You have an allgrain setup?A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites jfields 0 #47 June 5, 2003 QuoteWhat the hell are we talking about? Fuck buying beer...we ought to just collaborate on a batch of homebrew! You have an allgrain setup? Negative on the all-grain. I do extract and partial-mash so far. But I did just start a 5-gallon batch of spiced mead last night. And I'm doing a batch of regular mead tonight and a batch of alt beer this weekend since the weather will be too crappy to jump. I would look pretty funny trying to get through airport security on the way to Rantoul with a parachute and a couple 5-gallon carboys! Quote Share this post Link to post Share on other sites wmw999 2,583 #48 June 5, 2003 QuoteToilet paper that is one sale, but the unit price shown is for full price What they seem to do a lot here is to change the units from brand to brand; some is by the sheet, some by the sq. ft., and some by the roll. And I agree about the crappy one-ply Wendy W.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites jfields 0 #49 June 5, 2003 QuoteWhat they seem to do a lot here is to change the units from brand to brand; some is by the sheet, some by the sq. ft., and some by the roll. I feel your pain, Wendy, I really do. Of course, all the conversions probably come to you instantly, seeing as you really are a rocket scientist. QuoteAnd I agree about the crappy one-ply Just say no to one-ply. Quote Share this post Link to post Share on other sites FliegendeWolf 0 #50 June 5, 2003 Crap that's a lot of brew... For how long do you ferment your meads? Altbier? Hey cool, I just transferred my batch of altbier from primary to secondary fermentation last night! Boy did it smell nice...I look at allgrain setups with a pinch of envy. I think it would be great to mash my own wort, but that gets expensive too, and I really only want one expensive hobby at any given time. Maybe I'll look into it come some winter...A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites Prev 1 2 3 Next Page 2 of 3 Join the conversation You can post now and register later. If you have an account, sign in now to post with your account. Note: Your post will require moderator approval before it will be visible. Reply to this topic... × Pasted as rich text. Paste as plain text instead Only 75 emoji are allowed. × Your link has been automatically embedded. Display as a link instead × Your previous content has been restored. Clear editor × You cannot paste images directly. Upload or insert images from URL. Insert image from URL × Desktop Tablet Phone Submit Reply 0
FliegendeWolf 0 #36 June 5, 2003 QuoteThere are two types of credit card users: givers and takers. If you are paying interest on running balances, you are a giver. You give the credit card company money (over what you actually bought). That is how they make money. I'm a taker. To entice people to carry their cards, many credit card companies give perks. I run every purchase I can through my credit cards, and rack up perks, often in the form of cash. I pay the cards in full every month, and give them no interest. So I take the money from the credit card companies. They are willing to put up with some takers as long as the majority are givers, and some are huge givers. Although this is entirely true (credit card companies make most of their income on interest), they also take a small percentage of each sale from the merchant, which is why most dzs have cash discounts.A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #37 June 5, 2003 QuoteI totally disagree. Credit cards are a beautiful thing. You just have to use them, not let them use you. Now that is true too, but you have to be very dilligent in completely paying off your balance every month and hence staying within those spending limits. What really makes me laugh is the situation I seem to find myself in. I have two credit cards, a Visa with a $15,000 limit and an Amex with a $20,000 limit and then I have a substantial unsecured line of credit. None of these three carries a balance for longer than 20 days. Capital One keeps sending me an offer for a secured credit card. If I would only send them $75 they will send me a credit card with a $750 limit. It cracks me up every second month Quote Share this post Link to post Share on other sites
jfields 0 #38 June 5, 2003 Well, I was simplifying. And by the way, for a DZ to have a cash price and a credit price is actually a violation of their terms of service with their merchant account and the credit card companies. Not that I don't understand why they do it, just that is is probably officially a breach of their contract with Visa, Mastercard, etc. When I go places like that, I don't complain. I just pay cash. Well, unless the surcharge is actually less than the perk I get from the card, in which case I come out ahead paying the higher price and getting more than the difference back. What can I say, I do a lot of math in my head. I'm a freak about maximizing how far my money goes. You should see me standing in front of the toilet paper in the grocery store calculating the unit price of per roll. At least I don't go for the crappy 1-ply stuff. Quote Share this post Link to post Share on other sites
SkyDekker 1,465 #39 June 5, 2003 QuoteYou should see me standing in front of the toilet paper in the grocery store calculating the unit price of per roll. Hey, super-geek, just look at the label on the shelf, it should give you teh price per unit. Save you that painful calculating part and the smoke coming out of your ears Quote Share this post Link to post Share on other sites
jfields 0 #40 June 5, 2003 Yeah, but there are plenty of times it doesn't work. For example: Two kinds of edam cheese in the case. Domestic has a unit price in $/pound, imported in cents per ounce. If you can go from pounds to ounces and back you can compare. Toilet paper that is one sale, but the unit price shown is for full price. The pathetic slackers in the supermarket don't have unit prices on some sale products. Now cut me some slack! I'm a tighwad about some stuff, but I have damned good credit and I never pay too much. Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #41 June 5, 2003 I'm right there with you in loving deals at the supermarket. I love to see the "amount saved this year to date" figure on my grocery receipt, even if I hate those stupid cards. One thing that never shows up in that figure, of course, is the amount I save by buying generic. There are only a few generic products I've purchased where I was disappointed with the quality and some that I like even better than the name brand - Kroger brand triscuits, for example, are not nearly as salty as nabisco triscuits, and the unsalted triscuits aren't salty enough.A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
jfields 0 #42 June 5, 2003 I'm all about generic and store brand products. (Except you have to watch for sneaky sales that actually make the brand name stuff cheaper than store brand.) There are very few products where it makes a difference. Mostly, they are actually the same exact thing, coming out of the same plant, just with different packaging. Being frugal about this kind of crap lets me save money for skydiving and good beer! You have to have priorities. Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #43 June 5, 2003 Quote(Except you have to watch for sneaky sales that actually make the brand name stuff cheaper than store brand.) Yep...always cross-checking this. Visually, your eye gets drawn to the yellow tags announcing sale items, and it can be easy to forget to check both the original price of the item (10 cents off a five dollar product ain't a sale price IMHO) as well as the generic price. On a side note, would you like to split the cost of a case of beer with me to pay for "first thread hijacked to discuss grocery savings?"A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
Stacy 0 #44 June 5, 2003 I actually like the publix brand of mac n cheese better than kraft. publix sells big bags of frozen chicken breast as well, bag is resealable, etc. nice! Generics rule! Quote Share this post Link to post Share on other sites
jfields 0 #45 June 5, 2003 QuoteOn a side note, would you like to split the cost of a case of beer with me to pay for "first thread hijacked to discuss grocery savings?" Sure. You going to be in Rantoul (or at the Eloy winter boogie)? We can go and buy it then. Of course, professionals like us will quickly determine the unit cost per beer and which which size of packaging is the most advantageous for our personal beer selection. Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #46 June 5, 2003 lol...and of course we always buy generic beer (you know, like on TV shows when someone is drinking out of a white can with big red letters: BEER)... NOT What the hell are we talking about? Fuck buying beer...we ought to just collaborate on a batch of homebrew! You have an allgrain setup?A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
jfields 0 #47 June 5, 2003 QuoteWhat the hell are we talking about? Fuck buying beer...we ought to just collaborate on a batch of homebrew! You have an allgrain setup? Negative on the all-grain. I do extract and partial-mash so far. But I did just start a 5-gallon batch of spiced mead last night. And I'm doing a batch of regular mead tonight and a batch of alt beer this weekend since the weather will be too crappy to jump. I would look pretty funny trying to get through airport security on the way to Rantoul with a parachute and a couple 5-gallon carboys! Quote Share this post Link to post Share on other sites
wmw999 2,583 #48 June 5, 2003 QuoteToilet paper that is one sale, but the unit price shown is for full price What they seem to do a lot here is to change the units from brand to brand; some is by the sheet, some by the sq. ft., and some by the roll. And I agree about the crappy one-ply Wendy W.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
jfields 0 #49 June 5, 2003 QuoteWhat they seem to do a lot here is to change the units from brand to brand; some is by the sheet, some by the sq. ft., and some by the roll. I feel your pain, Wendy, I really do. Of course, all the conversions probably come to you instantly, seeing as you really are a rocket scientist. QuoteAnd I agree about the crappy one-ply Just say no to one-ply. Quote Share this post Link to post Share on other sites
FliegendeWolf 0 #50 June 5, 2003 Crap that's a lot of brew... For how long do you ferment your meads? Altbier? Hey cool, I just transferred my batch of altbier from primary to secondary fermentation last night! Boy did it smell nice...I look at allgrain setups with a pinch of envy. I think it would be great to mash my own wort, but that gets expensive too, and I really only want one expensive hobby at any given time. Maybe I'll look into it come some winter...A One that Isn't Cold is Scarcely a One at All Quote Share this post Link to post Share on other sites
