I went to the Verizon Wireless store in hope to get an LG VX6000 phone with service. I talk to the sales rep, she really recommends the phone and says I'll be happy. Not much mattered of what she said though, I'd done hours of research about cell phone providers/phones and my mind was made up.
Well I goto check out. She asks for my lisence, she makes a copy, address correct, home phone etc etc. Then she asks for my social security nubmer. I give it to her, and shes like 'hmm its not matching up in the computer, we need proof of it.' So I'm like, damn. I have to drive home(a grueling and rough 20 min drive down a widely traveled road). Get home, grab card and head back in hopes of having my spiffy new phone. I arrive back at the store, she calls me right to her. I show her the card, okay. She finishes out everything with all the options I want. I'm like heck yeah, cool phone here I come. She goes okay that'll be 814.something something. I'm like OH MY GOD I wasn't trying to pay in canadian money or something. Turns out if you don't have credit they make you put down a 400 dollar deposit. Well I don't have 400 dollars to throw down for a year.
But now I need something to get me good credit, quick. I want this phone/service. I'm so sick of my local unlimited minutes peice of junk Motorola V60i.
What can I do to get credit?
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How.... Bummey the Fool.... uughhhhhh:
Buy shit with your credit card.
If I had one, this might be a valid option. Every credit card I checked out online said it'd be 3-4 weeks before they could mail me out one.
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Check out the big brain on Paccione!
Quick Credit doesn't exist. I am slowly building my credit by my credit card. I had to put $600 down (that I get back in 1 year with an extra $18 tacked on) to get a $500 credit limit. I've spent about $5000+ on it so far. After a year, I can probably get a $2000 credit limit.
Heh, I got $1300 Credit on applying.
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Kiranê stumbled drunkenly to the keyboard and typed:
If I had one, this might be a valid option. Every credit card I checked out online said it'd be 3-4 weeks before they could mail me out one.
That's pretty much your only option. 
Does anyone work with Verizon or phone companys? I wonder when the next phones will be released.
I am the proud owner of $8000 of unsecured debt 
Under capitalism, man exploits man. Under communism, it's just the opposite. - John Kenneth Galbraith
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The logic train ran off the tracks when Maradon! said:
The best way to build credit is NOT TO.I am the proud owner of $8000 of unsecured debt
Isnt debt fun?
I have, lets see.
1000 credit card
17,400 car
9625 so FAR in student loans
Kirane, credit sucks major ass. You don't ever want to use it for anything but a car or whatnot. TRUST ME.
You can say you will get a credit card and not use it, but god damn, they are too tempting.
I have one, and its ALL i'll ever get [ 08-20-2003: Message edited by: Falaanla Marr ]
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Falaanla Marr thought this was the Ricky Martin Fan Club Forum and wrote:
You can say you will get a credit card and not use it, but god damn, they are too tempting.I have one, and its ALL i'll ever get
Yeah, see. Theres this thing. It's called Self-Control.
I think I've used my card for only 5 things in the 4 months I've had it. And one of those was to replace my moms card as the billed card for EQ.
First thing my mom ever taught me was to stay far, far away from them I just pay for everything in cash or whatnot. Just how necessary is having credit?
Credit cards aren't evil, as long as you show a bit of self control with your purchasing.
That $400 deposit you had to pay wouldve normally just been added to your card and you wouldn't have known. The world expects people to have cards now.
As far as "good credit" goes, no you dont need a card to get good credit. You can attain good credit by simply taking out say, a $2000 loan from your local bank, and paying it off in small incriments and "never miss a payment".
A 2 year loan properly paid off will give you good credit marks.
I'm fairly good at managing money, and always pay off credit cards. But I still owe about $12K in student loans and about $15K on an auto loan. If I had to, I could pay off one of them completely from my bank accounts, but I'd rather have the buffer at this point.
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Nobody really understood why Ares wrote:
Whatever you do, don't try to pay of credit cards with more credit cards.
Actually if the APR (interest rate) of one of your cards is lower, it's a smart move to pay off one credit card with another.
If you have a 12% APR on a card with $1500 worth of debt, it's best to transfer that balance to a new credit card with a lower APR and cut up the old card, you'll save money.
A lot of cards have 0% APR on balance transfers now, to get more business.
My old math teacher follows the same philosophy I do and last I heard from him he has something like $175,000 (that's being very conservative, because I don't want to exaggerate it or anything but I'm almost sure he has more) in his name and he's in his mid-30s. He's never had a high-paying job; he's a math teacher for christsake. All that he's done is, instead of paying $250-500 dollars to a debt every month, he invests. I don't even want to think about the compound interest so I'm not going to. Even with the economy in the shitter he was making money.
Maybe he'll be a millionaire someday, and maybe not. But at least he can be secure in the knowledge that he's going to be more-than-comfortable when he retires, and hey, isn't that what counts? [ 08-20-2003: Message edited by: Suddar ]
Should've said something, but I've said it enough
By the way my words were faded
Rather waste some time with you...
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This insanity brought to you by Emily:
Wow, after hearing all this, I'm never getting a credit card. EVER.
Bad move
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Maradon! thought this was the Ricky Martin Fan Club Forum and wrote:
The best way to build credit is NOT TO.I am the proud owner of $8000 of unsecured debt
Is that all?
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Nina probably says this to all the girls:
Bad move
cred cards and loans are not the only way to substantiate your credit. Owning a house or car, paying bills that are in your name (any monthly bill, not just cred cards) on time, and things like that affect your credit standing positively.
Alternatively, every time you have someone check your credit (this one boggled me), get turned down for a cred card or loan, or turn in late payments adversely affect your credit standing. I remember when I worked at an insurance company we sometimes ran credit checks on people. I remember I checked mine like 4 or 5 times for the novelty of it that month, until someone pointed out I was hurting my credit standing.
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Ragabash stopped beating up furries long enough to write:
cred cards and loans are not the only way to substantiate your credit. Owning a house or car, paying bills that are in your name (any monthly bill, not just cred cards) on time, and things like that affect your credit standing positively.
And how do you propose you buy a house or car without credit or a loan? I dont know many $500 houses for sale 
The rest of what you said is dead on though. Think back to the dredded "permanent record" you used to hear of in school. Basically this is what credit is, the permanent record of your adult life. Most anything to do with money and major purchases will show up on that record.
For everyone here saying they wont get credit cards, that will only serve to hurt you in the end, credit cards are extremely helpful, as long as you have even an ounce of self-control.
However, you can do it. Take me for instance. I didn't take a loan or need my credit standing to buy my house. My grandparents sold it to me to be paid in monthly installments. Owning the house helps my credit, and I didn't need it to get it. Obviously, not everyone has that option, but it is possible. [ 08-20-2003: Message edited by: Ragabash ]
I use cash for the occasional meal on campus and that is about it. Maybe for a soda at a machine. Otherwise, food/gas/etc all put on a credit card. Then a quick hope to the website of the credit card and bam, bill paid. I don't even have them send me a bill except through email
Zero balance every month. I only buy the bare minimum and if I get a little extra cash from mom or work, I'll use some of that (not all) towards something.
Phone/Cable/Apt all in my name, new bankaccount on campus in my name. Credit is solid.
The big key... don't buy something unless you have the money for it or it is an emergency (car breaks, pay for a repair with a credit card even if you are a little short on cash).
I think I have a $1000 limit on my credit card. I could up it, but I never have more then $200 on it each month (gas/food). Big key... control... easy to do. Also, if your going to college, Discover usually will give you one just by letting them know you are in college. Visa/MC not sure, mine is through my bank as a debit card.
