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Originally Posted by JupZChris
God damnit
i hate my credit
i need a new pc desperatly and with all the shit that just happend to me all my savings gone and everything I Just tried to apply for dell credit
and got rejected
fucking gayyyy
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Screw credit - of any kind!! :-)
That is much easier said than done, especially if you live in a country with a "credit culture".
Give ya a clue.... the current CEO of VISA was interviewed... and this guy was amazingly open and I suspect, he don't have a lot of subtlety.
He admitted the name of the game is to "capture" as many people as possible on credit cards, because, his words, "at some time in their lives they will exceed their credit terms and we have them". This is little more than legalized loan sharking on a grand scale and with a public that has been "taught" :-)
VISA now have several new programs operating, cos they can't find the volume of retards in the west. So, they are offering Russian seniors credit cards to get 10% off the Moscow subway fees and reductions in scripts. Rest assured, - this benevolence is not as it appears to be.
Clues:
(a) Plastic is fine... as long as that is paid in full every month without fail.
(b) Never give anyone, even your relatives/friends, money that you do not have to give and, never think you will get it back :-)
(c) Avoid all store cards with "low interest deals" - they are only in place to scam ya at some point.
(d) Don't even consider buying even a Big Mac unless you can afford it and have actual *cash*.
(e) Easier said than done - get a stash of cash built up and shoot anyone who ever puts that into jeopardy - that's your "backup money". It does not matter if you got $5mill in assets - liquid cash matters.
I ain't got any "credit" and have no wish to have - I don't need it and it's got fuck all to to with credit agencies - they are just scum feeders for card company activities. Sure, I've got plastic - but no way does a card company earn a dime of interest. I am please to not use that slogan line from Amex - "that will do nicely!":-) I threw their cards back to em - they serve no purpose and just fill the trash with financial promo shit.
When you have a balance in any bank - they will do whatever you want and accomodate you, else move. Cash is King - always will be.