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cashnocredit

When having bad credit is really annoying

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Back in my cash only days I hadn't used credit in a long time, had no credit cards, and just wrote checks or used a debit card for things. I didn't even know how bad my credit was and had never pulled a credit report or applied for anything involving credit in over 10 years.

 

Until this:  I decided to have more than the usual amount of fun at a local Indian casino. Picked up a cashier's check at my bank and tried to deposit it as "front money."  They declined to take the check in spite of me having gambled there for years and having a player's card albeit with smaller amounts and only using cash.

 

When a casino turns down your cashier's check from a local, large bank (WF), you know your credit seriously sucks.

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4 hours ago, cashnocredit said:

Back in my cash only days I hadn't used credit in a long time, had no credit cards, and just wrote checks or used a debit card for things. I didn't even know how bad my credit was and had never pulled a credit report or applied for anything involving credit in over 10 years.

 

Until this:  I decided to have more than the usual amount of fun at a local Indian casino. Picked up a cashier's check at my bank and tried to deposit it as "front money."  They declined to take the check in spite of me having gambled there for years and having a player's card albeit with smaller amounts and only using cash.

 

When a casino turns down your cashier's check from a local, large bank (WF), you know your credit seriously sucks.

Three years ago today I was in Colorado on business. My credit was shot and I hadn't had a credit card in years. I had planned to go on my first real solo backpacking trip in the mountains. I was so excited. But when the weekend came, there was a shortage of rental cars and no car rental agency would rent me a car with just the debit card. They wouldn't take cash, either. After spending most of a day visiting various rental places to beg then to rent me a car, I ended up having to call a random guy from Craigslist while sitting in my hotel lobby. That's how a heavily tattooed ex-biker ended up driving me two hours into the mountains.

 

I actually hitchiked back!

 

I've come a long way!

 

And you've come to the right place. Fix your credit, man!

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1 hour ago, coldbusted said:

Three years ago today I was in Colorado on business. My credit was shot and I hadn't had a credit card in years. I had planned to go on my first real solo backpacking trip in the mountains. I was so excited. But when the weekend came, there was a shortage of rental cars and no car rental agency would rent me a car with just the debit card. They wouldn't take cash, either. After spending most of a day visiting various rental places to beg then to rent me a car, I ended up having to call a random guy from Craigslist while sitting in my hotel lobby. That's how a heavily tattooed ex-biker ended up driving me two hours into the mountains.

 

I actually hitchiked back!

 

I've come a long way!

 

And you've come to the right place. Fix your credit, man!

Great story.

 

:)  Yeah, trouble renting cars / hotel rooms with just a debit card was the primary motivation for getting my first credit card in a very long time. I had just assumed debit cards and credit cards were interchangeable. Turned out they use credit cards as sort of a proxy that you aren't going to trash their car/room and skip even though they have to pay a higher fee to take credit cards.  I had no idea.

 

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Also considered proof that you really are who you say you are, for some odd reason. 

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