because if you have 6 credit cards and only earn 2K a month
you end up like them. Think of it as a blessing.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 3 Aug 2011, 10:21, 1 reply, 15 years ago)

Yeah
But I've applied to credit cards only for the cash back thing, and even paying mine each month in full still can't get them. Not fair.

Now, I'm glad I'm not like them. I'm glad I was taught to save and then spend, rather than the other way round.
(Aberracion Life's getting very complicated, but a lot of fun., Wed 3 Aug 2011, 10:24, Reply)

It's because you pay them off in full each month
that they don't want to give you more. They make money off interest and late payments etc. They know they can milk this fat, useless bitch all day long.

You, they can't.

Welcome to capitalism.
( Kroney, Wed 3 Aug 2011, 10:26, Reply)

It's so unfair
But you're probably right. A friend of mine never had a credit card because she would save before buying, and she had a lot of trouble to get a mortgage as she had no credit history, despite putting a lot for the first payment. Then, her boyfriend joined the application; he owns tons of money on cards and loans; so they gave them the mortgage straight away.
(Aberracion Life's getting very complicated, but a lot of fun., Wed 3 Aug 2011, 10:28, Reply)

Yup, I am right. They're out to make money, that's all it is.
My mum has the same problem, pays all her debts off promptly and in full, bank doesn't want to loan her any more money.
( Kroney, Wed 3 Aug 2011, 10:31, Reply)

this is hardly extreme capitalism
it's common sense. Why on earth should they provide a service to someone who is going to cost them money rather than making them money? They aren't a charity.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 3 Aug 2011, 10:28, Reply)

I didn't say extreme capitalism
I said "capitalism", because that is what it is.
( Kroney, Wed 3 Aug 2011, 10:30, Reply)

yeah, granted, but you meant it as a criticism of capitalism, surely?
when there is no other way this could work. It's this way, or no credit cards.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 3 Aug 2011, 10:33, Reply)

Why surely? People seem to have terrible trouble figuring out when I'm being sarcastic or not.
I must be very subtle in my use of it.

It was just an observation.
( Kroney, Wed 3 Aug 2011, 10:35, Reply)

maybe your ramblings are just unclear
and Wrong?
( rachelswipe with a fork, Wed 3 Aug 2011, 10:37, Reply)

Three words have caused so much fuss.
Also, your face is wrong.
( Kroney, Wed 3 Aug 2011, 10:42, Reply)

that's not what you gasp and pant and moan
when you wank frenetically over pictures of it every night.

EVERY NIGHT.

and some mornings too.
( rachelswipe with a fork, Wed 3 Aug 2011, 10:44, Reply)

What an extraordinary imagination you have.

( Kroney, Wed 3 Aug 2011, 10:46, Reply)

hmmm
no comment from me, right here, right now.
( rachelswipe with a fork, Wed 3 Aug 2011, 10:49, Reply)

fair enough, point taken.

( the mighty badger Aphrodite, on a bar stool, by your side, Wed 3 Aug 2011, 10:42, Reply)

you won't get them if you pay everything off all the time.
Why would a company give you something that's going to cost them money rather than make them money? they aren't idiots.

Also, if you apply for one and don't get it, there's absolutely no point applying for another for at least 1-2 years, as the credit check shows up on your records and you'd most likely just be declined automatically because of that.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 3 Aug 2011, 10:27, Reply)

I know
I was told that after applying for 3 in a year. Now I have to wait a lot for another.
(Aberracion Life's getting very complicated, but a lot of fun., Wed 3 Aug 2011, 10:29, Reply)

I admit that thing is quite, quite stupid
I fell foul of that earlier this year getting a loan to cover an overlap in owning two cars. I applied for one, was offered it but they didn't tell me the interest rate until AFTER the application (sneaky but standard practice) so I decided I could get a far better rate and applied for another. Which was declined instantly, purely becuase they saw two credit checks in the space of a day. Really quite annoying, that.
( the mighty badger Aphrodite, on a bar stool, by your side, Wed 3 Aug 2011, 10:32, Reply)

That's why
if you pay them in full every month they're not making any money, so why give you another one? These people on the other hand ARE, so they get lots of cards.
( The Light in Chains don't touch the Pope's boner, Wed 3 Aug 2011, 10:28, Reply)

Mine's punchier and more ragey

( Kroney, Wed 3 Aug 2011, 10:29, Reply)

I think the point is, you were taught.
They weren't. And if they have kids, they won't teach them. That's why we're in the state we're in. Parents aren't teaching their kids the stuff they need to know.
You know, stuff like manners, work ethics, common sense...
( b3th Not shit. Not mod., Wed 3 Aug 2011, 10:28, Reply)

Agree with you
I'm now very grateful that my parents didn't spoil me and made me believe I could have whatever I wanted. Still, I look at the numbers in my mortgage and get really upset that I own so much money to the bank.
(Aberracion Life's getting very complicated, but a lot of fun., Wed 3 Aug 2011, 10:30, Reply)

don't worry
you'll pay it off just in time for your funeral... :(
( rachelswipe with a fork, Wed 3 Aug 2011, 10:37, Reply)

Oh, well
I hope it's earlier than that. With a bit of luck Mark will sell his house and buy half of my flat, so we could be sorted a lot sooner.
(Aberracion Life's getting very complicated, but a lot of fun., Wed 3 Aug 2011, 10:38, Reply)

I still can't work out why they dont' teach kids in school how to tally up monthly expenses and home-budget themselves.

( G/PP 💩💩💩💩💩&#128, Wed 3 Aug 2011, 11:14, Reply)

They could call the subject 'Home Economics'.

(Reverend Fister "a disciplined fuckwit", Wed 3 Aug 2011, 11:43, Reply)

teaching them about taxes and stuff as well
I was woefully ignorant of all that stuff when I left school
( Vipros. clever got me this far, then tricky got me in, Wed 3 Aug 2011, 11:50, Reply)