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IWantMyDamnSexRobot

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  1. somebody steals your credit card number and uses it fraudulently, you are responsible for zero, and guess what you are responsible for on your debit card if they steal and use it fraudulently? Zero You don't have to fight to get them back, just call your bank, and they will put it back, they will go through the dispute procedure to see if it was fraudulent use. Btw, you have to go through a dispute procedure to see if it was a fraudulent use as well with your credit card and if they rule against you in either case, you lost the money, but if it was legitimate fraud, in neither do you lose
  2. Your credit score is not an indication of how well you do at managing your money. In fact your credit score has little to do with you and everything to do with your creditors. The credit scoring models were developed to allow creditors to mass screen people for credit offers and to minimize risk in lending. They are not a grade or mark about personal finance excellence. As an example, a person that avoids debt and does not take out credit has no score at all. Yet they seem to be conducting their financial affairs with the utmost of prudence. Most people think having a good credit score
  3. That's it. The big 3 which requires the biggest payments. For everything else, you don't need credit. Therefore, the whole point of increasing your credit score is to attain these 3 big purchases. Houses and renting, you need good credit, there is no other way around it. You can't escape this system unless you have so much money, where you can pay cash. If you don't have the funds in the bank to pay for the car you want with cash and still have savings left, then you cannot afford it. I could literally afford the payments on a Lamborghini if were to sacrifice everything in my life, doesn't
  4. charlie is awoken, he is honest and does whatever he wants to have fun, this is why people dislike him, he simply doesn't give a damn about you think of him
  5. I rented a car one time, when my credit score was 450
  6. didn't know the quicksilver was for crappy credit, more like for average credit. Also, why would I need a super credit card when Renting a car is cheap, you won't be spending thousands of dollars here. I have booked plane tickets with my debit card, so this goes out the window Renting a hotel is also cheap, you won't be spending thousands unless you stay at fancy ones, which would be purple of you since you have bad credit. You can use a debit card here too, I've done it. $1800 credit limit is more than enough for most of these basic things, and in 99% of cases, you can use a debit c
  7. I already have a credit card with $1800. I can already do those things with my 610 credit score and without spending a dime. If you have a credit card, then you don't fit the category of "without" a credit card. I never said I don't use or believe in credit. I'm just saying that at this point in my life, I'm not that desperate to have a high credit score because I won't be making any big purchase anytime soon. Sure, my credit score is far from ideal, but it is still decent enough for renting and services. If I need to buy something, I can do it with cash, I don't need credit for that
  8. The problem is that you will be starting from almost scratch once your items drop off in 2019. By getting some accounts under your belt now, you will have some aged accounts when your items eventually drop off. Places like USAA offer interest on the money they hold, and honestly a couple hundred bucks (held in a CD) is a small price to pay get better credit. Plus you can also get secured cards that graduate. I honestly don't know why people are complaining about the high interest rates on secured cards. The credit limits are so small, it should be easy to pay them off every month.
  9. What in the hell does that even mean? Of course they exist. They don't exist for YOU because you are unwilling to work on your credit. Reading comprehension is an issue with you. It has already been explained that it is NOT spending money. Also, your score will not be in the 700s when your items fall off. Your score may even go down once you lose the age of those items. unlikely, I have older accounts than those collections, but even if that were to happen it would only prove how much of a scam this credit system is Collections basically obliterate your credit score, bu
  10. I already have a credit card with $1800. I can already do those things with my 610 credit score and without spending a dime.
  11. what quicksilver is that? must be mastercard, as far as i know the visa signature requires a 5k minimum
  12. The problem is that you will be starting from almost scratch once your items drop off in 2019. By getting some accounts under your belt now, you will have some aged accounts when your items eventually drop off. Places like USAA offer interest on the money they hold, and honestly a couple hundred bucks (held in a CD) is a small price to pay get better credit. Plus you can also get secured cards that graduate. I honestly don't know why people are complaining about the high interest rates on secured cards. The credit limits are so small, it should be easy to pay them off every month.
  13. Capital one representative suck flowers, they are so clueless most of the time, but oh well, so far they have treated me well what does QS1 mean, is it the quicksilver visa signature or quicksilver mastercard, which is not on the website? I have the quicksilver mastercard
  14. I will probably apply for the Discover it secured card. Much better than BOA card with permanent annual fees. I don't know if I should apply for another capital one card, they would give me the platinum with $500, I'm sure of it.
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