why can't I get a credit card?

[illbmeubu 10+ year member]

wrong


ex-fukn-zactly

actually i'm not wrong. the minimum credit score you need to get prime rates on a house or vehicle is a 720.

 

[duece212 5,000+ posts]

Have you ever looked at a credit report? It looks exactly the same whether you pay the balance in full or carry a balance.

+1

You just need to use the card occasionally so the issuing bank doesn't close it for non-use. Showing a balance on your credit report WILL hurt your score, pay it off every month.

 

[bubbagumper6 5,000+ posts]

Have you ever looked at a credit report? It looks exactly the same whether you pay the balance in full or carry a balance.
Fvck, I may have to post my credit report just to show you folks how it works/looks.

FYI: You can go to http://www.annualcreditreport.com to see your report (not score) for free. If you select one vendor every four months, you can essentially monitor your credit quarterly for free.

Nope, I honestly haven't. I'll admit I have very little real world experience with any of this (I'm only 20). Like I said, all I know is the stuff I try and learn. When they had that special on TV about credit stuff, they said while it may not hurt your credit score, when creditors look at your overall credit history, paying off your cc's every month, makes it look like you don't use them.

 

[Flipx99 5,000+ posts]

Yes I mean cash.

Well, most people (middle class) can't honestly save enough to buy a house with cash, but I wouldn't consider them poor.

How do you think people in the Middle East buy homes? They don't pay interest....They save the fuck up.

 

[illbmeubu 10+ year member]

How do you think people in the Middle East buy homes? They don't pay interest....They save the fuck up.

people in the middle east don't buy homes, they build them

 

[duece212 5,000+ posts]

actually i'm not wrong. the minimum credit score you need to get prime rates on a house or vehicle is a 720.

fully depends on the institution, type of loan, etc

 

[mcsoul 10+ year member]

actually i'm not wrong. the minimum credit score you need to get prime rates on a house or vehicle is a 720.

that's racist

 

[illbmeubu 10+ year member]

fully depends on the institution, type of loan, etc

true. in most instances though, that's the credit score number they are looking for. obviously higher is better, but if you don't have the flow of income, then a credit score means absolutely nothing.

 

[bubbagumper6 5,000+ posts]

How do you think people in the Middle East buy homes? They don't pay interest....They save the fuck up.

lol, hell if I know

 

[illbmeubu 10+ year member]

lel
Either you're trolling, or you're retarded.

little bit of both

 

[duece212 5,000+ posts]

true. in most instances though, that's the credit score number they are looking for. obviously higher is better, but if you don't have the flow of income, then a credit score means absolutely nothing.

so a score over 720 isn't worthless...agreed

 

[traksta15 10+ year member]

im just wanting one to build my credit so in the next year or two I can buy a house (will probably be getting married inside 2 years) and it'd be nice to have a good line of credit. Me and my gf are good at saving money (between the two of us we have 30k in the bank (were 22 and 21), her house is paid off, she has a car payment and I have mine and utilities are our only bills per month. If I can't get a decent credit card, what are some other ways I can build my credit?