02-02-2005 11:41									#1
	Bad credit Support Apolyton, buy Civilization 2

A friend of mine got bad credit, he couldn't get a new credit card. I have no idea what he could do.

What can he do to fix that?

	02-02-2005 11:44									#2
	Support Apolyton, buy Civilization 2

if he has that bad of credit he most owe

pay it off, don't cancel the cards

	02-02-2005 11:47									#3
	Got spare money?

Or get a secured card.

ACK!

	02-02-2005 11:56									#4
	Support Apolyton buy from Amazon

pay off the debts and have no late or non payments for 30 days. Then again it depends on the credit card he was applying for some are more strict then others. And as my other half said go to the bank and get one that you open with your checking account.

	02-02-2005 12:04									#5
	Support Apolyton, buy Alpha Centauri

He needs to pay his debts on time and show that he can maintain proper accounts.

	02-02-2005 12:18									#6
	Support Apolyton or Terrorists Win

I wonder if they have a plan to help people that carry debts over from a divorce my ex really screwed me . I got all his debts after our divorce and i think tubes got he same thing from his ex

	02-02-2005 12:42									#7
	Support Apolyton, pre-order Civilization IV

I think he should pay me back first

	02-02-2005 13:24									#8
	Support Apolyton buy from Amazon

quote: Originally posted by Urban Ranger I think he should pay me back first

That would be my hope first Seeing as you aint no colection agency Id look for a can of whoop A** if he dont get you ur money

	02-02-2005 13:24									#9
	Support Apolyton buy from Amazon

If he can't get a card, it may well be better that he doesn't have one. Why does he need one?

	02-02-2005 13:31									#10
	Support Apolyton, buy Galactic Civilizations: Deluxe Edition

Sell stuff on eBay and Yahoo.

It's really odd here, you can buy stuff on Yahoo without a credit card, but you can't sell without one. Where's the logic in that?

	02-02-2005 13:46									#11
	Support Apolyton, pre-order Civilization IV

A debit card won't work for that? They come with a 16-digit number as well and are associated with one of the major credit cards (Mastercard, Visa, etc)

	02-02-2005 13:47									#12
	Support Apolyton, buy Galactic Civilizations

I don't think we have debit cards here.

	02-02-2005 14:09									#13
	Help yourself to an AD-FREE life

No debit cards? ....

Anyways, I don't know how it is in US, here if you ge bad credit once, you're screwed for the rest of your life. Good luck though, it can't be that way in there.

	02-02-2005 14:24									#14
	Support Apolyton, buy Civilization 2

For the rest of your life? That's harsh!

	02-02-2005 14:54									#15
	Support Apolyton, buy Alpha Centauri

quote: Originally posted by Pekka No debit cards? .... Anyways, I don't know how it is in US, here if you ge bad credit once, you're screwed for the rest of your life. Good luck though, it can't be that way in there.

Yeah, its a real pain in the ass not being able to get a debit card. Over here the banks just give me "cash cards" that are useless for anything except ATMs

	02-02-2005 14:57									#16
	Enter the AD-FREE zone

This guy's for hire UR if you need to collect.

Attachment: windykator.jpg
This has been downloaded 92 time(s).

	02-02-2005 14:58									#17
	Put an end to popups!

What happened to his face?

	02-02-2005 15:00									#18
	Suffering from ads?

He's in TEH COLLECTIONS BIZNESSSS DOH!

	02-02-2005 15:01									#19
	Help yourself to an AD-FREE life

Used it as a blunt weapon too many times.

	02-02-2005 15:06									#20
	Support Apolyton buy from Amazon

UR, well, the credit info is based in central database for losers, where all the banks etc check if you decide to get a new card, which you won't get. You also won't get loans, you can't open most services because in incerasing number businesses check your credit info, even if it's some sorry ass 10 euros a month service. You just are no good after you get bad credit.

It's supposed to stay with you for what.. 5 or 10 years, even after you pay the debts, so it won't go away with that. But the ugly thing is, they have been accused of not deleting the info, because somehow people with bad credit have been unable to do certain things even after the 5 year period.

Basically, you can't get anything if you have bad credit. And of course, you are not trusted. My cousin got bad credit and he makes good money now, but he was unable to evne get a ****ing debit card. He said it was so humiliating because before him was a 14 year old kid getting a debit card, no problem.

Trust me, you are screwed in here if you don't have it. Especially if you get it young. You can't get a loan for your place. Also not everyone rents a place to you , because you have bad credit, you are untrusted.

I guess after 20 years you can live like a human being again, but it lasts for YEARS.

	02-02-2005 20:32									#21
	Support Apolyton, buy Civilization III: Complete

Your friend needs to get a copy of his credit report and make sure it's accurate. If anything shows up that isn't his, get it removed. Timely pay debts and accounts over a period of time. Automatic or online bill paying might help with this.

	03-02-2005 00:07									#22
	Enter the AD-FREE zone

Here in the us, and at certain check cashing places they sell credit cards that you put money in, only draw back is you cant use it if you dont have the cash in the account

	03-02-2005 00:09									#23
	Increase Your PM Length

quote: Originally posted by Saras He's in TEH COLLECTIONS BIZNESSSS DOH!

	03-02-2005 00:09									#24
	Help yourself to an AD-FREE life

US banks and the services are known to be ancient and draconian Just like their phone service operators as well as ISPs.

Sorry, in most things, US is well at the tip of the modern of what ever, in many things leading and showing the way, but these few things... just like these.. oh man

	03-02-2005 00:10									#25
	Support Apolyton, pre-order Civilization IV

I get along fine without a credit card. I don't have a cell phone either. Seriously, credit cards are just away to get yourself in trouble, and poor people tend to get in that kind of trouble easier.

	03-02-2005 00:13									#26
	Avatar Enlargement: We've got the solution

Correction, people with no economical responsibility get in trouble with credit cards. Spending money they don't have. I really won't point any fingers if someone buys food and doesn't have that money in the account right then and is hungry, but.... it's economical responsibility and the lack of it that causes the most problems. I never understood the concept of shopping anyway. Maybe it's because I don't have the resources for shopping, but I don't like hanging around in shops anyway. I know what I want, I go in to get it, get out and that's it. Badabing badaboom. I'm the man. I'm the best. I'm too sexy for this thread

	03-02-2005 00:16									#27
	Support Apolyton, buy Alpha Centauri

quote: Originally posted by Pekka Correction, people with no economical responsibility get in trouble with credit cards.

Correction to the correction. No, normal people can sometimes not pay their bills. Borrowing money that you don't have is a normal economic behavior. So is not being able to pay the money back if situations change.

	03-02-2005 00:19									#28
	Get a bigger avatar today!

If you get services you can't afford, you have to cut them. If your situation changes, you need to cut them even faster and correct the situation. I'm sure that lots of responsible people get in trouble too with the credit card bills.

BUT I was talking about the economically irresponsible people who do go on shopping sprees and buy crap they don't need only to find later on they are in trouble.

It's not the fault of the credit cards. IN FACT, the credit enables people to buy that food who just then don't have the money.

So start loving it instead of being a hater and a racist.

	03-02-2005 00:33									#29
	Tired of ads?

quote: Originally posted by Pekka the credit enables people to buy that food who just then don't have the money.

Exactly. But you are better off without the credit card. People will help you out with food, and they wont report you to the credit agency.

quote: So start loving it instead of being a hater and a racist.

Huh?

	03-02-2005 00:41									#30
	Increase the size of your Attachments

quote: Originally posted by Kidicious Huh?

I think hes saying hate the game not the player.