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color cycle (slow)

Kistaro Windrider, Reptillian Situation Assessor

Unfortunately, I Really Am That Nerdy

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Twitters of the day
color cycle (slow)
  • 09:02 At least Amex's reason to decline was more reasonable- summarized, "lack of credit history". Which is the problem I expected to have. #
  • 12:26 Supreme Court rules 5-4 that Guantanamo detainees have the right to habeus corpus- top story @ www.scotusblog.com #
  • 14:07 @buran: No, only student loans and the account with the local good furniture store from buting a bed. Paying that off makes Citi sad. #
  • 14:41 @buran Only as a convenience. I have no need for credit, I just want a layer between my bank account and billing systems. #
  • 15:32 @buran Exactly how I intend to use it. Actually, slipping a decimal place is what worries me a whole lot more. x2 won't ruin me, but x1 ... #
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Yeah, I've been running into issues related to lack of credit history. I found that the bank with which I've had accounts for many years* was more than willing to give me a credit card with a small credit limit. Thanks to silly "reward points", they're even paying me small quantities of cash back for borrowing money from them interest-free between purchase and billing time.

*Of course, when I opened my savings account with them, it was Boatmen's Bank. A couple mergers later...

I'm just hoping for a high enough limit to buy groceries reasonably. That's enough to establish a stable credit pattern with, and I can get limit increases from there. I'll be waiting until I've switched to FirsTech Credit Union, and then going for one of their credit cards; from what I've read on ConsumerReports, I'm absolutely not touching Bank of America's credit cards.

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