November 19, 2003

assfaces.

Walking over the dangerous wet leaves in the ass kicking, possibly pants requiring cold this morning, I kept imagining that there were people hiding in the leaves, prepared for attack.

The bank rejected my measly student loan. They Regreted To Inform Me. (Oh Yeah? Well I regret to inform YOU that you and all your minions lick dog shit and metal filings from tennis shoe cleats, BofA. Bite Me Fuck You Piss Off Die)

I told some work people about it and a portion of them became frusterated with my unwillingness to get a credit card. I don't want to. That's it. When you tell me I have to, and I reply "I don't want to", that doesn't mean that I don't understand that this is currently my only option. I'm probably going to do it. I just Dont Want To. What I *want* is to build a miniscule amount of good credit with a set amount of money to be paid in pre-allotted increments.

Have I ever mentioned that these kind of transactions almost always reduce me to tears? I'm having trouble keeping it together. It's just that...

I'm realizing something about myself lately. I'm pretty paranoid. Not so much of people, but of nebulous things. Things are out to get me. The bank is out to get me. The school is out to get me. If I try and talk to them, they're going to push a button that makes a silent alarm go off, and everyone in the bank will respond with one word answers shaped like forks and will refuse to provide options other than "Get a credit card". Last time I tried to get a credit card to pay for school, they said "Give us 300 dollars, then we'll think about giving you a credit card, you stupid cow." When I ask for explainations, they'll tell me I'm too stupid to borrow their money, so why am I going to college at all? Drop out! You suck at basic math! You'll live in a ditch when you get old because you refused to get a credit card now!

I'm freaking out. I gotta go.

Posted by Sonya at November 19, 2003 10:36 AM
Comments

It'll be ok. I went for a long time before I had a credit card but I finally gave in and you know what, it really has been a good thing. I pay it off every month and it has just made things a bit easier. Plus you can get credit cards with all sorts of cool things on them, I once has a Seattle SuperSonics card but now I have an Amenesty International one.

Posted by: CuriousGeorge at November 19, 2003 12:04 PM

I gota credit card once when I was 22. I bought a car I couldn't afford and lived in an apartment that was costing me almost as much as my monthly income. I dissed a lot of my old friends in favor of a richer, trendier set. Me and my new friends used to stay up nights snorting coke off the breasts of nubile whores until, finally, I was too fucked up most of the time to even bother showing up to work. By the time I was 23 I was selling my ass down on 1st Ave and self-medicating with Everclear. If I hadn't found Jesus, I don't know where I'd be today.
But, you know, you've already got Jesus. So maybe it'll all work out.

Posted by: Joshua at November 19, 2003 01:30 PM

I understand about needing to say "I don't want to". I'm the same way about some other things. I may end up doing the suggested thing but for now I have the right to say "I DON'T WANT TO!"

Posted by: Gin at November 20, 2003 06:59 AM

don't do it!!! sure, it seems all nice and cuddly when you first get it, but soon it's urinating on the carpet and chasing away your friends. I got my credit card in a fit of drunken pique four years ago so i could move off campus and i have yet to work my way out from it's shadow. there has to be another way. these people are not to be trusted.

Posted by: lolo at November 20, 2003 11:39 AM

Okay, I know this is going to sound so dumb ass, but it's not the first time . . . .
If you'd like to build some credit without becoming an indentured servant to Citibank, you could:
1. get a gas card (please hold all sniggering until the end) -
Believe it or not, charging your gas and paying it off every month really does build a good credit rating. And, with a gas card, you can only do so much damage. I know you can't use it to pay rent or buy books next semester, but that's the beauty of it. You can't go that crazy with a gas card. Unless of course you find yourself in a gas station mini mart at 2 am with 12 of your closest friends and a horrible case of the munchies (I didn't say this was COMPLETELY risk free).
2. Get a standard credit card, then take out a $500 cash advance. Deposit the cash into your checking account and then PROMPTLY (this is the key here) write a check for the $500 and send it straight back to the credit card company. Just do that for a few months and then you'll have the beginnings of a good credit report. It is a bit redundant, but it works. You just have to make sure you don't happen past a shoe store on your way from the bank to the post office to mail the check.

So, neither of these options will neccessarily pay the bills. But, they will help you build credit (somewhat) risk-free, and the next time you show up at BofAssmunch they'll probably be more apt to accept your loan request.

Like I said, it is a bit dumb ass but . . .

Posted by: Steph at November 20, 2003 01:18 PM