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Getbig Main Boards => Gossip & Opinions => Topic started by: Eyeball Chambers on March 30, 2010, 08:34:36 PM
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I want to open another credit card account, just to help my credit score.
Two questions:
What's a good card for someone with a credit score of around 700 to 720.
Should I lie about my income on the application?
???
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Also, I have a $12 dollar past due from a doctor (wrongly) on my credit report. How bad is that?
???
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you should be able to get most credit cards, chances are youre probably getting mail with pre approval BS from CC companies as it is...
past dues stay on your record for 5 yrs if im not mistaken so really really try to not let those happen. Even if your late you wont get a past due on your report if you pay it within a month of the due date you missed.
700+ credit score is pretty good bud but it also depends on alot of things like how much credit youve been extended and how much youve used. How many inquiries you have on your credit to many makes it seem like youre applyiing for credit alot.
do you already have credit cards? how close are the balances to your credit limits?
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Also, I have a $12 dollar past due from a doctor (wrongly) on my credit report. How bad is that?
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Dude, $12? How come you didn't pay that?
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oh god credit cards, living above your means, i would go with money in the bank, don't use money you don't have.
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my wife handles the finances.
she uses a credit card but she is very frugile
i get an allowance and its almost always in cash which is fine with me
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my wife handles the finances.
she uses a credit card but she is very frugile
i get an allowance and its almost always in cash which is fine with me
Owned. :D
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you should be able to get most credit cards, chances are youre probably getting mail with pre approval BS from CC companies as it is...
past dues stay on your record for 5 yrs if im not mistaken so really really try to not let those happen. Even if your late you wont get a past due on your report if you pay it within a month of the due date you missed.
700+ credit score is pretty good bud but it also depends on alot of things like how much credit youve been extended and how much youve used. How many inquiries you have on your credit to many makes it seem like youre applyiing for credit alot.
do you already have credit cards? how close are the balances to your credit limits?
Thank you, I just used some free calculator I found so I hope that score is accurate.
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If I lie about my income though, is the IRS going to come try and fuck me in the ass or something? ???
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If I lie about my income though, is the IRS going to come try and fuck me in the ass or something? ???
Not if you tell them you're a regular poster on GB. Special privileges.
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Not if you tell them you're a regular poster on GB. Special privileges.
hahahaha
Seriously, why doesn't Ron pull some strings and get us some rewards? I'd get some serious airline miles with my embarrassingly high amount of posts... :o
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oh god credit cards, living above your means, i would go with money in the bank, don't use money you don't have.
LOL well have fun living in your 20,000 dollar house then ::) credit is one of the reasons this country has amassed the financial wealth that it has...also one of the reasons why we are so screwed right now too
how are ppl supposed to start business without credit from others? buy cars? houses?
with everything moderation is key
borrowing money can actually be cheaper than paying cash in the long run as well...0% interest given inflation is cheaper than the price you would have paid if you paid cash...
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If I lie about my income though, is the IRS going to come try and fuck me in the ass or something? ???
nah the IRS wont come screw with you, they know how much you make...youre employer is supposed to give the IRS a copy of your w2's, 1099's etc you know if you lose a w2 you can contact the IRS and get a copy of your w2?
they know how much you make and if youre not screwing them over they will in general leave you alone...
in all honesty though dont lie there is no need to, if youre really trying to improve your credit instead of just get money then there is no need to lie...
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One other question, than I promise to post some men in thongs...
If I don't provide my employer information on an American Express Blue Application does that hurt my chances of getting the card or should I go ahead and give it to them?
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hahahaha
Seriously, why doesn't Ron pull some strings and get us some rewards? I'd get some serious airline miles with my embarrassingly high amount of posts... :o
I agree. This is why I am trying to get my post count up. The more posts you have on GB = the more respect you get from your parents, friends, your boss, the ladies, etc. Trust me, it's true.
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oh god credit cards, living above your means, i would go with money in the bank, don't use money you don't have.
also if you can borrow money for 0% intrest and make more investing your money rather than buying whatever with the money why not make the smart move and make your money work for you?
some ppl
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One other question, than I promise to post some men in thongs...
If I don't provide my employer information on an American Express Blue Application does that hurt my chances of getting the card or should I go ahead and give it to them?
why would you not fill that in RPF? honestly it sounds like youre trying to hide something?
from what youve told me there is no reason to not tell the truth...you might want to go with capital one or somebody like that they generally have less restrictions and more than one card you can apply for just in case youre worried about getting denied...
alot of them have 0% intrest right now on purchases and balance transfers so if you owe on another card with intrest rates above 0% if might be a good idea to transer the balance.
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why would you not fill that in RPF? honestly it sounds like youre trying to hide something?
from what youve told me there is no reason to not tell the truth...you might want to go with capital one or somebody like that they generally have less restrictions and more than one card you can apply for just in case youre worried about getting denied...
alot of them have 0% intrest right now on purchases and balance transfers so if you owe on another card with intrest rates above 0% if might be a good idea to transer the balance.
Mission accomplished, American Express Blue looks like it was approved.
You've seen my posts on the political board, I'm a paranoid private kind of guy!
Thanks for the help ! ;D
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Mission accomplished, American Express Blue looks like it was approved.
You've seen my posts on the political board, I'm a paranoid private kind of guy!
Thanks for the help ! ;D
LMAO that was my next guess ;D
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also if you can borrow money for 0% intrest and make more investing your money rather than buying whatever with the money why not make the smart move and make your money work for you?
some ppl
sounds awful jewish to me, no thanks. I rather live in an apartment were I am not in debt like a house for tons of years. You can save up money to buy a house, it just takes time. This generation wants everything now, now, now, no waiting, patience is the key, wait 10 or 20 years till you have enough to buy a house and live in a moderate apartment till then.
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sounds awful jewish to me, no thanks. I rather live in an apartment were I am not in debt like a house for tons of years. You can save up money to buy a house, it just takes time. This generation wants everything now, now, now, no waiting, patience is the key, wait 10 or 20 years till you have enough to buy a house and live in a moderate apartment till then.
LOL 10 to 20 years...ok so lets say you moved out at 18 thats 38 before you get a house...you gonna wait till you get a house to have kids? hmmm so lets add anothe 10yrs to that so 48 before you get in a house...
its not about getting things now brainiac its about doing the smart thing...your going to pay about a grand a month for a decent 2 bedroom apartment in most place...in most place this could be a mortgage payment...so why not live in a house, build equity, have more room?
like I said its not about getting things now its about doing the smart thing... ::)
but again have fun living in your 20k house with your 15 yr old car by the time your 60 you should be able to afford a new one ;)
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I'm so cheap it's scary, I'm like Jim Bob Fucking Dugger... :o ;D
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I'm so cheap it's scary, I'm like Jim Bob Fucking Dugger... :o ;D
this is not a bad thing being frugal is a virtue in this day and age just remember to make your money work for you dont just sit on it.
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this is not a bad thing being frugal is a virtue in this day and age just remember to make your money work for you dont just sit on it.
I'm going to do my best to get some assets under by belt soon. Otherwise I'm going to end up a pathetic old man with bundles of $20's stacked in my closet. ;D
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I'm going to do my best to get some assets under by belt soon. Otherwise I'm going to end up a pathetic old man with bundles of $20's stacked in my closet. ;D
I hear they make good matress stuffers too ;D
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If I lie about my income though, is the IRS going to come try and fuck me in the ass or something? ???
Credit card companies are still just asking you what your income is and not asking for proof still? I figured they would change this just as mortgage companies have by now. I work for a big bank in the home equity department and we had a guy from our fraud department come talk to us for 2 fucking hours about shit. He gave one example before we started asking for w2's and paystubs for new loans of this 19 year old kid that claimed he made $150,000/year working as a manager of Pizza Hut. The funny thing is, we gave him the 6 figure loan he asked for!!! hahahaha
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A good card is one you don't pay an annual fee on. Only fools pay an annual fee for the priviledge of using a credit card. Like holding an AmEx Black will somehow make men want to be you, and women want to be with you. That's when you know society's infatuation with consumption and image has gone too far.
Spoken like someone who's never had an AmEx Black =)
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i KNOW AA FELLA,, WHO USED CREDITS TO BUY HORMONES THROUGH PAYPAL,,,HE HAD EXCELLENT CREDIT WITH OVER 250K IN CARDS USEAGE,,,HE GAMBLED AND FIGURED HE BUY MANY MANY HORMONES FOR USE FOR YEARS TO COME,,,HE IS NOW A PRO BODBYILDER DOING GOOD LIVING HE ONLY USE NO SELL SINCE HE WIN BIG COMPETITIONS ONLY,,,,HE GOT BAD CREDIT NOW,,BUT WORTH IT HE NOT PAY THE CARDS AFTER 250K OF HOMRONES
oh god credit cards, living above your means, i would go with money in the bank, don't use money you don't have.
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i KNOW AA FELLA,, WHO USED CREDITS TO BUY HORMONES THROUGH PAYPAL,,,HE HAD EXCELLENT CREDIT WITH OVER 250K IN CARDS USEAGE,,,HE GAMBLED AND FIGURED HE BUY MANY MANY HORMONES FOR USE FOR YEARS TO COME,,,HE IS NOW A PRO BODBYILDER DOING GOOD LIVING HE ONLY USE NO SELL SINCE HE WIN BIG COMPETITIONS ONLY,,,,HE GOT BAD CREDIT NOW,,BUT WORTH IT HE NOT PAY THE CARDS AFTER 250K OF HOMRONES
Stop yelling.
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LOL 10 to 20 years...ok so lets say you moved out at 18 thats 38 before you get a house...you gonna wait till you get a house to have kids? hmmm so lets add anothe 10yrs to that so 48 before you get in a house...
its not about getting things now brainiac its about doing the smart thing...your going to pay about a grand a month for a decent 2 bedroom apartment in most place...in most place this could be a mortgage payment...so why not live in a house, build equity, have more room?
like I said its not about getting things now its about doing the smart thing... ::)
but again have fun living in your 20k house with your 15 yr old car by the time your 60 you should be able to afford a new one ;)
Well yeah you do have good points, I am just saying no need to rush into a house. And why would anyone need a 2 bedroom apartment. 1 bedroom with a bath and kitchen is enough. If you wanted kids yeah getting a house would be a great idea, but how many men want kids? I sure as hell don't.
jt
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eyeball, if your trying to improve your credit score, go to www.truecreditreport.com . I used to have horrific credit. But 4 years ago I tried to fix it. I saw old accounts from the past. 2 were huge so I contacted the credit company and negotiated an amount to write it off. 3 I paid outright because it was smaller amounts. My score went from 520 to 780. Now I pay off any balances within a month. Now I'm debt free. I even have an american express card, and never thought I would. I have only 2 credit cards and one Express card (great for coupons). The more you have it drags down your score a tad and the more you apply for one knocks it down about 10 points. Also, when you apply for a car loan or mortgage with lets say 3 different companies that usually knocks it down 20 points for each inquiry; however that is taken into consideration
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Credit sucks pay everything in cash.
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eyeball, if your trying to improve your credit score, go to www.truecreditreport.com . I used to have horrific credit. But 4 years ago I tried to fix it. I saw old accounts from the past. 2 were huge so I contacted the credit company and negotiated an amount to write it off. 3 I paid outright because it was smaller amounts. My score went from 520 to 780. Now I pay off any balances within a month. Now I'm debt free. I even have an american express card, and never thought I would. I have only 2 credit cards and one Express card (great for coupons). The more you have it drags down your score a tad and the more you apply for one knocks it down about 10 points. Also, when you apply for a car loan or mortgage with lets say 3 different companies that usually knocks it down 20 points for each inquiry; however that is taken into consideration
Cool, and thank you!
I'll check it out!
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I want to open another credit card account, just to help my credit score.
Two questions:
What's a good card for someone with a credit score of around 700 to 720.
Should I lie about my income on the application?
???
You're not applying to grad school, fuckface.
It's a God damned credit card application. You have to try NOT to have them give you one anytime you check out at a clothing store.
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Another great thing good for your credit & financial management is having a Amex Charge card .. Pay the annual fee and put your monthly bills on it that you for cash .. e.g Gas Cable food Insurance - this enables you better management of your cash flow you know that what you use you have to pay off ..
People always put their stuff on the credit card knowing that they can pay the minimum balance - the interest charges amount to more than the annual fees of a charge card
get a charge card pay the annual fees yu realize that you have better financial control and mostly yu earn points for your charges and you will be able to use for travel -