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6/27/2013 5:05:37 PM
16
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I don't see why people would use anything else. I hate borrowing money.
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Edited by Top_Gun_2021: 6/27/2013 6:50:04 PMYou see, I don't spend it unless I already have the money to pay back. That way I earn credit and don't have to worry about bills. Then I can buy a car and a house and borrow money then.
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Just bought a house last year, and my bank never looked at my credit score. They pulled up the last several months of my bank statements (got the home loan the same place I do my other banking, so they had access to it all), they wanted details of all of my assets and liabilities, and made me bring in the last several months' worth of every bill I pay, as well as pay stubs from work. You can get all that stuff without a credit score, but it's harder.
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[quote] they wanted details of all of my assets and liabilities, and made me bring in the last several months' worth of every bill I pay, as well as pay stubs from work.[/quote] That sounds terrible.
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It wasn't so bad, but I do tend to hoard a few years' worth of paperwork at a time, so that helped. I had everything handy in binders at home.
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Maybe it's a state thing.
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It's up to the bank. Some of them just don't feel like the way credit scores work is very fair. For example, your income and your accumulated wealth don't have any impact on your credit score. You could have $20,000,000 in the bank and be steadily and reliably making another $1,000,000 a year, and that would have absolutely no impact on your credit score.
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People are greedy
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That's the truth though. It's sickening, how people justify spending money they don't have. I just don't get it, and I'm not even Jewish.
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It works when people actually make as much money as they spend.
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Then they don't borrow money, they just spend their own money.
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I mean, some people need credit because they don't have the money at the time they need it, so they can pay it off later. They still make enough money to pay for it, but they also needed credit.
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Do they even have a "limit"? I thought those came directly out of your account.
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It does come out of my account. limit = (time . work)/expenses
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Edited by Top_Gun_2021: 6/27/2013 5:17:30 PMI meant a limit set on you by someone else (excluding scheduling work hours, etc). Still doesn't apply to borrowed money.
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I'm implying I don't own a credit card
