how can someone get credit without credit?
2007-05-14 10:38:33 · 8 answers · asked by unhappy mom 1 in Business & Finance ➔ Credit
I am a Collection Agent and I have no credit. I prefer it that way.
How does my family live? Off what I make. I have back up plans incase $hit hits the fan. I have a savings account and a emergency account.
If I can afford something. I buy it. If I cant afford it, I save up for it or make it work somehow. Either way I always get what I want and I got an excellent lifestyle. I dont need to pay all those fees. Thats money in the bank.
Plus...credit cards are not meant for you to live off of. They are for emergencies only and you should really have a savings account for that.
Good Luck
2007-05-14 12:31:43 · answer #1 · answered by smile4cobra 3 · 1⤊ 0⤋
I hate to say this but credit cards are not designed to live off of. They are a convenience to use instead of cash or writing a check.
You should never use a credit card to buy something that you can't pay for in full when you get the statement.
2007-05-14 18:05:52 · answer #2 · answered by ? 7 · 1⤊ 0⤋
If you can't afford whatever without credit, what makes you think you can afford it with credit? After paying interest, credit usually costs 2 to 3 times what you would have paid in cash.
2007-05-14 21:14:15 · answer #3 · answered by STEVEN F 7 · 0⤊ 0⤋
Any family will live better without credit. Don't do it.
2007-05-14 20:28:47 · answer #4 · answered by chubs 2 · 2⤊ 0⤋
visit daveramsey.com to learn what bankers and credit slaver cards pray you never ever learn or worse - apply in your life . How to own your money not be owned by it.
read the ' millionaire next door' to understand none of them got rich with credit slaver cards. the average credit slave card has a balance of 8400$ on it.
is that what you really want?
2007-05-14 17:44:14 · answer #5 · answered by Anonymous · 1⤊ 1⤋
Set up a budget, stick to it
Look for leases/lease to own
good luck
2007-05-14 17:41:50 · answer #6 · answered by southbelldixie 3 · 0⤊ 0⤋
sad to say this... just apply, apply, apply... someone will give you credit in todays time... sad to say because the rooster always comes home to crok
2007-05-14 17:42:32 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I wouldn't be to worried about it, I did a search and found this site that explains in detail about this same issue, check it out http://www.mintcreditrepair.com , excellent articles also.
2007-05-14 17:50:02 · answer #8 · answered by scoochypup 1 · 0⤊ 1⤋