Why should people in government housing be able to have credit?

Question

Also ... credit cards .. cell phone .. cable .. internet .. car loans. If they have 1,2,3 kids going into government housing thats one thing .. but if they have anymore then one they shouldn't be able to qualify. Agree or Disagree?

Well i dont run up debts. Just made me wonder why ... Just a question i wanted answered! Why do they need government housing then if they can afford to pay credit cards ... car loans ... ect.

I dont have the government pay for my housing so i can go out and get a credit card and **** that i have to pay for. Why should I , a tax payer ... pay for them to have housing to they can rack up credit cards debits and other luxeries that i have to earn ..... i have a full time job ... i pay my own rent ... my dsl ... phone ... electric ... i work hard to pay for my **** !!!

80% of ppl in government housing are milking the system .... just because they dont want to work.

Answer 1

You are right on that there are people milking the system. but we have to think about the children that suffer because they have lazy parents. also some people are not educated enough to make a living for their families, and credit is essential to these people to be able to purchase Items they can only afford on payments. I personally have no payments, and my credit card is a prepay, I also do not live in Government Housing. but I have friends that can not get a good job, so they work 2 of 3 jobs to make ends meet, and they have children because they would rather raise and love them than abort them. sometime the government has to step in and help, because their cheep employers wont.

Answer 2

Disagree, Credit is a totally separate thing from government housing. The need for public housing in certain areas is an issue of economics. Credit cards/cellphones/cable/Internet/car loans are all PRIVATELY owned items (privately owned by the companies providing the service) You should be careful of statements like this, what would you say if the government said "you don't need a car loan for your income level, you will have to pay cash."

Answer 3

Disagree. I don't think your concern is that they have credit and credit priveleges, but rather that those least able to afford it are able to run up debts they cannot possibly afford.

Credit is a necessity for all the things you mentioned. It is not just a means to borrow money, but an organized system by which one's financial reputation is allowed to be disseminated. You don't NEED a cell, cable, internet, car or credit card to survive in America. These are not rights, merely priveleges that depend upon one's financial situation. However, the government doesn't decide that (though it does decide who is allowed to live in subsidized housing). That is a decision of the consumer and their financial institution.

I should say that credit is IMPORTANT and HELPFUL in moving up in society. You cannot get a college loan without credit. You cannot get many jobs without some sort of record of credit. You cannot get insurance without credit (at least, not without it costing the arm and leg you'd wish to insure).

Keep in mind that subsidized housing affects a large range of people. Yes, there is low-income housing to keep people off the streets and out of destitute poverty. But there is also military housing and school housing - both of which are subsidized by the government because it is more important for soldiers to train and students to study than it is for them to work on making rent. There are a number of first-time homebuyer programs geared toward the middle class to increase homeownership. This doesn't mean that these people are somehow taking advantage of taxpayers by having credit.

You should be more outraged over the potential for irresponsible spending to lead to a taxpayer-funded bankruptcy.