Applying For Credit Cards

  • Wanna Join? New users you can now register lightning fast using your Facebook or Twitter accounts.
F

Fucky McFuckerson

Sicc OG
#21
May 9, 2002
37,066
16,282
113
#21
SRD420 said:
I'm the same way Gas One, but there are fools out there that just don't know how to manage they money... my mom bein' a perfect example. That bitch gots like 4 cc's and everyone of them bitches are maxed and have been maxed so she's payin' hella interest on all of 'em. Blah though, she's a stupid gambling bitch... guess its expected from her. But I've seen some friends get in real bad debt cuz of cc's, so if you are one of them people that slack, gamble, or are careless with they money or paying bills and don't take care of shit and manage your money, then don't get one, otherwise yeah... I agree w/ Gas One... when in need they help a bitch out.
Click to expand...
LOL...

Folks, it has nothing to DO with being responsible or the likes...it has to do with the whole concept of CREDIT as a whole.
 
Dana Dane

Dana Dane

RIP Vallejo Kid
#22
May 3, 2002
26,982
11,624
113
50
#22
Jess, its the American Way!! You have to have credit to get ahead in life, unless you can viably forsee yourself saving upwards of $500k to buy a house cash.
 
TONY206

TONY206

/b/ased
#23
Jun 13, 2002
13,154
525
113
siccness.net
#23
I Fucked Your Mom said:
If you dont see why CC's are bad, i suggest you look into credit PERIOD. Its a lose-lose situation as a WHOLE.
Click to expand...
How so? 90%+ of my purchases are on credit because I get cash back, over $125 in the last 2-3months. Only time I don't use it is when they don't accept AMEX. I never get charged interest because I pay it off in whole, and have the flexibility to spend whatever I need, if I need it and don't actually have it. Plus extended warranties and return periods. Not one thing negative about it.
 
408mobsta

408mobsta

Sicc OG
#25
Jun 12, 2003
1,528
220
0
42
#25
my 1st credit was when i was 18 i got approved 4 500 hun dollars @ cresent jews, so i got sum earing 4 like 400.00 bucks...then i got offers 4 a visa wit 200.00 credit,then came target,mervyns,macys...etc...i ogt really good credit that way jus dont max them its hard 2 pay the interst off tho....@ 24 i pulled out my own house....now i am 25 so yea,,,,dotn max them tho...
 
KALYN

KALYN

Sicc OG
#27
Dec 11, 2002
17,196
13
0
#27
Thanks Dana and RB20 for the info..

Q: How often are credit reports updated?

Q: If I submitted a dispute on my CBR- how long til its verified as bullshit and removed?
 
TONY206

TONY206

/b/ased
#30
Jun 13, 2002
13,154
525
113
siccness.net
#30
I was able to get something off 2 of the 3 bureau reports by using what they call on that forum the "1-2 punch". I have it bookmarked at home, it has sample letters where you just change it to your info and dispute and mail it in.
 
F

Fucky McFuckerson

Sicc OG
#33
May 9, 2002
37,066
16,282
113
#33
TONY206 said:
How so? 90%+ of my purchases are on credit because I get cash back, over $125 in the last 2-3months. Only time I don't use it is when they don't accept AMEX. I never get charged interest because I pay it off in whole, and have the flexibility to spend whatever I need, if I need it and don't actually have it. Plus extended warranties and return periods. Not one thing negative about it.
Click to expand...
You do know what the Federal Reserve is, right? Read up on it and you will understand WHY credit was the start of the DEMISE of the US. But I guess that aint important, right?:ermm:

LOL@your last sentence.:confused:
 
GHP

GHP

Sicc OG
#34
Jul 21, 2002
16,280
852
113
45
#34
establish credit by buying a car or getting a student loan, trust me credit cards are BAAAD. I owe so much fuckin money most you youngsters would shit yourself.
 
Gas One

Gas One

Moderator
#35
May 24, 2006
39,741
12,147
113
45
Downtown, Pittsburg. Southeast Dago.
#35
its your bad if you spend more money than you can pay back.

that shit is obvious as fuck to me.

id rather be broke with my credit card payed off then have money in my pocket with my credit card ran up.

it might be because i worked at wells fargo, and i fucked off my first credit card back in the late 90s. and now im mature enough to keep my shit in order.

but for real, ill live on 80 bucks for two weeks in order to pay my credit card off. as long as it cant gain interest i am happy.

because...i can run up my credit card again, if its paid off.....

i'm just switching bank accounts for a second....might have to use my credit card for that week.

i havent had ONE PROBLEM with my shit, yet.

oh shit that reminds me i gotta pay my parking ticket. fuck.
 
KALYN

KALYN

Sicc OG
#36
Dec 11, 2002
17,196
13
0
#36
TONY206 said:
Here is a very good forum all about credit http://www.creditboards.com/forums/
Click to expand...


Bookmarked- Thanks Tony..



Dana Dane said:
Kalyn, you have to stay on the credit bureaus to get shit removed. They'll sit on it forever if you don't push.
Click to expand...


Stay on them? I did the online dispute with TransUnion annnnd Equifax I think- might have been Experian, I dont remember off top... but I have the CBR monitoring on my shit.. pay that lil monthly fee- I've gotten kinda crazy about it but I want my reports cleaned up and corrected.

Is it better to mail in than dispute online?
 
H

handbook

Sicc OG
#37
Jul 3, 2005
662
0
0
37
#37
as much as "credit" is fucking up this country you really can't do much with "bad credit" so if your gonna get a credit card make sure you pay that mother fucker off if not your screwed for life if not life then for a long ass mutherfuckering time
 
B

BaSICCally

Sicc OG
#39
May 11, 2002
4,039
12
0
44
#39
I Fucked Your Mom said:
DONT ever get a credit card....trust me.
Click to expand...

I didnt read any other post beyond this one.

If I were to do it all again, I would get a gas credit card, fill up every week, pay it off every month, build credit that way.

Other then that. DO NOT FUCK WITH CREDIT CARDS!
 
TONY206

TONY206

/b/ased
#40
Jun 13, 2002
13,154
525
113
siccness.net
#40
Here is the letter(s) I sent in to get my shit removed: http://creditboards.com/forums/index.php?showtopic=78267&st=0&p=585387&#entry585387

And here are the steps on what to do. (CMRRR=certified mail return receipt requested)
Date.....Event
--------------
January 19, 2005 - Sent Kim's DV letter CMRRR to Credit Protection Association, Inc. to 13355 Noel Road, Suite 2100, Dallas, TX 75240-6837.
January 24, 2005 - According to usps.com, the DV letter was delivered to Credit Protections Association at 1:11pm.
January 24, 2005 - The confirmed delivery date of my DV letter to Credit Protections Association, Inc., according to the green card from Credit Protection Association.
January 26, 2005 - Physically received the green card back from Credit Protections Association.
January 28, 2005 - Sent "not mine" letter CMRRR to Equifax Credit Information Services, Inc. to P.O. Box 740241, Atlanta, GA 30374-0241
January 28, 2005 - Sent "not mine" letter CMRRR to Experian, P.O. Box 9701, Allen, TX 75013-9701.
January 28, 2005 - Sent "not mine" letter CMRRR to TransUnion Consumer Relations, P.O. Box 2000, Chester, PA 19022-2000.
January 31, 2005 - According to usps.com, my "not mine" letter to Experian was delivered at 10:25 am.
January 31, 2005 - According to usps.com, my "not mine" letter to TransUnion was delivered at 10:26 am.
February 1, 2005 - According to usps.com, my "not mine" letter to Equifax was delivered at 8:47 am.
February 1, 2005 - The confirmed delivery date of my "not mine" letter to Equifax, according to the green card from Equifax.
February 3, 2005 - Checked Equifax online dispute status, Credit Protections Association was still on my Equifax credit report.
February 3, 2005 - Checked Experian online, noticed "Credit Protections Association" has been noted "This item is currently being investigated."
February 6, 2005 - Checked Equifax online dispute status, there was an "Active Investigation Status Information" indicating that Date Investigation Started - 02/02/2005, and Estimated Completion Date - 03/04/2005.
February 7, 2005 - Physically received the green card back from Equifax.
February 9, 2005 - Checked Experian online, noticed "Credit Protections Association" has been DELETED.

*radio static* "Eagle 1, command, two inbound bogies on your six, do you have them in sight?"
"Command, eagle 1, affirmative, engaging."
[military jet fighter dogfight mode off]

So it seems like credit Protections Association wasn't able to protect itself from the almighty 1-2 punch that CB has taught me. I would like to thank CB, past and present for your help. I would like to also spark a light of hope among the newbies of CB that the 1-2 punch really wor
Click to expand...
 
You must log in or register to reply here.
Top Bottom