A Tiny Piece of Needed Disaster

[commonpeople1]

My first credit card[1] arrived yesterday. I've been thinking about my Amazon Wish List, wondering about a paid LJ account and dreaming of a digital camera.

Oh, and I'll be unemployed in about a month's time.


1. The credit card I had in university doesn't count since it was linked to my father's account and purely for emergency situations (i.e. purchase of new boots, trips to Florence and hotels in Buffalo, New York.)

Comments

[vilia64.livejournal.com]

Since my credit score literally said, "none" when I checked it, I just about lost all hope for credit. No credit is the same as bad credit here, and the only place that would give me a credit card was a credit union (a tad different from a bank) but it's a "secure" card- meaning, I'm borrowing against money I had to put up myself. I had to come up with $500 to open the account, and then borrow against it and pay it back in installments of at least $15 per month. One of my brothers did this, and in about 9 months or so of having this "secure" card, he was able to apply for an "unsecure", ie, NORMAL credit card, but at lower limits. You really have to want to get into debt to get a decent credit card and a decent percentage rate on it- :P "May I have some debt, please? Thank you so much, you're tops." bleh.

But yes, the unemployment...I may be headed in that direction soon myself- I absolutely DESPISE my current situation. I've already got my CV out there and have gotten some offers for interviews, but I'm dragging my feet. Trouble is, I know it'll just be another administrative job to keep me fed and out of the wind and rain until I can be a professional singer.

Le sigh...

[commonpeople.livejournal.com]

What about aiming for administrative work in the music world? For an opera house, etc? At least you'll be working closer to your dream.

I'm hoping that this credit card will create a history of credit which, later on, will make it easier for me to buy a house. At least that's what everyone tells me.

[vilia64.livejournal.com]

That's true- I could pursue that, trouble is the most local one wouldn't pay me near what I'm making right now- I'll have to branch out and search...

And yes, having credit will make things a lot easier for you later when you go to get loans and buy things- age also has a lot to do with it too. The older you are and the more on top of your finances you are, the breaks you get as far as creditors are concerned.