in Stoozing: free cash from credit cards
5 replies 1.6K views
Icant seem to get a credit card although i am totally upfront in my applications about my financial situation and bad credit score. I :was wondering if anybody could advice me how to rebuild my credit I have learnt from my previous mistakes and would like somebody to have enough faith in me to give me a credit card. I would like the credit card companies to take a more human approach to lending.Any advice much appreciated .
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Don't you think it is 'more human' to make it difficult for people with a history of not dealing well with debt to get more credit?
The advice I gave friends was to get into a routine; pay for your petrol with your credit card on your way home. When you get home, pay off what you've just spent. If you're not the kind of person who can keep this sort of routine, for whatever reason, you're probably better off without a credit card, especially one with high interest. I wouldn't advise people with bad credit to immediately go out and get one. However, it's all a mindset and once you can get into a methodical mindset, you can start to claw back that credit quickly.
Learning the difference between credit cards and Stoozing would be a very good way to start.
Then post in the right forum.
Call me cynical, but...