Sep 29 2005
Living in the USA bites
You know if it wasn’t for my girlfriend and my dogs that are over here then I’d be quitting my job and hightailing it back to Sydney as fast as possible, I’ve had it with being a relative high earner over here and not being able to get enough credit even to cover some of my bar tabs, what is the friggin point of issuing a credit card with a $200 limit? Like really what the heck is that going to do for me? Yay! I can do one week of grocery shopping on it and have to pay it off before using it again. Woohoo!
That isn’t all of why living in the USA is biting for me but it is the most prevalent issue right now as Dell in all their wisdom won’t even give me a credit line to buy a new friggin PDA so I’ll just have to do it the old fashioned way and pay in cash.
EDIT: Even BestBuy won’t give me credit, how much does that suck? Yeah you’ll give some part time waiter credit that sttruggles to make the minimum payments but you won’ t give an expat that rakes in the $$$ any credit at all, screw that!
Establishing credit is one of the hardest things to do. Its a screwy system but for the credit companies, its the only way to minimize risk. Unfortunatly how much you make means squat, its how reliable are you on paying back credit.
Read up online but I’d bet a common suggestion for someone like you is to get one of those $200 crappy cards or whatever you can get, and use it! Run a tab on it buying gas or whatever and pay it off in full each month. Get some credit established.
Surprisingly, bad credit is better then no credit. Atleast that gives lendors some history about you. You have no history, so get it corrected however you can.
Yeah I know all that, the post was just a bit of a rant as I was frustrated with other things at the time as well and that is just what I chose to rant about.