Bored Druid ThreadFollow

My debit card works just fine for on-line purchases, and I don't have any fees on my account.

Aeth: Whether you authorize it or not, giving less reputable companies access to your bank routing number and account number gives them the ability to wreak all kinds of havoc with your financials. It's basically theft, but fighting to get your money back can be a long and drawn out process, depending on what exactly happened.

lolgaxe: There's a reason my ex-wife is my ex-wife.

Soooooooooooooooooooooooooooooooooooooooooooooooooo.
Since my neck and shoulders have been killing me for the last couple of days, I've had trouble falling asleep and I'm getting mighty bored of painkillers I figured I'd see how good a job alcohol does at helping me ignore pain and fall asleep. (or, yeknow, beer was for sale)
So, tipsy Aeth time!

Americans are ******* weird. Seriously. WEEEEEEEEEIIIIIIIIIIIRRRRRRRRRRD.

That is a lot. Did your parents co-sign? If they did, the credit company will take their credit score into account, and your limit will increase.

The most I've ever been able to get is about $800, and that was after a year or so of paying my bill on time every month and being nearly maxed out so they could charge me more interest. -.-
Most companies start me out at $500 limits, but then again I don't have that good of credit. It's not terrible, but it isn't good either.

That's quite strange that you can't use your debit card online for things. I've always been able to use mine.

Some banks here offer temporary account numbers for on-line transactions, so you can make a couple purchases and never give out your real information. That wouldn't work for recurring payments, like authorizations to a utility, or rent, or bill collectors. They're the worst for getting you to agree to a "settlement", then double or triple charging your agreed installments. I haven't had it happen to me, but I've heard enough people complaining about it.

In 2010 they passed a bunch of laws that made it extremely difficult for anyone under 21 to get a credit card without a parent or guardian cosigner.

But once I was 21, those no longer applied. I don't remember if that was the rate they gave me, or if I applied for a card for which that was the starting rate. But I'm inclined to say it was the latter.

It's sad that this is true:

Oh, and that last video reminds me of Da Vinci's Notebook:


Edited, Jan 31st 2012 8:42pm by lolgaxe

I hate you a little bit right now. Not because you have that much credit available to you, but because your credit score is good enough to get that kind of credit.

Being young, stupid and thinking you're in love with some dude you met online who lives in the UK really takes it out of you financially. At least it did before the invent of Skype. -.- Not having a job takes it out of you financially too.

Pigtails, the being in love with a British guy thing doesn't have to be all bad.

Rio, I've got some nice folks in Gorgie who want to move in with me next year for the same rate I pay up here (lolPilton, right?), so I can like... help you out but you can't move in with me, probably. If you do want to come back, anyway.

I'm actually paying for my bank account at the moment as I've not got PR yet - well, I do, being European, but until I've stayed here 3 years stuff works differently; I only get an immigrant bank account which costs £8/month (or one that costs £12.50/month which I declined, I don't need to pay more just to have an overdraft), but on the plus side less than 3 years of residency in England means SAAS consider me not English and pay for my tuition fees.

I had a credit card in Germany - €50 credit limit, was mainly useful because buying plane tickets with it meant international travel insurance. "Credit score" is totally the wrong way around. The way they do it in Germany, you get an entry with the credit authority for every overdraft/credit card/debt you have and if it's too many you can't even rent a flat anymore. [Edit: And "too many" can mean one in some cases...]

Also, I think they've gotten rid of checks altogether here... they wanted to a while ago anyway.

Edited, Feb 1st 2012 8:30am by Kalivha

It seems to have evolved. Maybe it's some kind of pokemon?

I'm highly susceptible to yellow fever. I love me them Asian honeys.

Liek dis?