I need a credit card but I have bad credit?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
25 posts
MemberSince99
Centurion Member
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Mon May 27, 2013 8:39 am

Jack somethings!

I love that - they NEVER have a problem collecting the premium, but God forbid they ever have to pay a claim. And even if you are covered, they can try to claim you aren't, and let you fight them for it. Then there is the "usual and customary charges" scam. Who exactly decides what those are? They do and they don't let us know what they are, so basically they are free to just determine on the fly what they want to pay. They can claim those "usual and customary" charges are whatever they want to claim they are.

I've said it before but if you have just infinite money like Bill Gates or a Saudi prince, the US has the best system. For the rest of us, not so much.


DoingHomework
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Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Mon May 27, 2013 9:52 am

MemberSince99 wrote:I've said it before but if you have just infinite money like Bill Gates or a Saudi prince, the US has the best system. For the rest of us, not so much.


Oh yeah. We have the best system until you need to use it! I don't think our system would rank in the top 25 all things considered. If I got hurt I would rather it be in Europe, Japan, Australia, etc. etc.

The bad part is that no one is getting rich. Our system sucks for everyone - patients, doctors, even insurance companies.

Bksuper
Centurion Member
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Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Tue May 28, 2013 2:31 am

DoingHomework wrote:Oh yeah. We have the best system until you need to use it! I don't think our system would rank in the top 25 all things considered. If I got hurt I would rather it be in Europe, Japan, Australia, etc. etc.

The bad part is that no one is getting rich. Our system sucks for everyone - patients, doctors, even insurance companies.

The pharmaceutical companies are getting very rich, especially their top executives, and large stock holders.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue May 28, 2013 6:47 am

Yeah that's their job though. Their job isn't to provide medicines for us, it's to make money.

The top execs always get rich. Even in the banking industry, when those guys were flying in to DC for another taxpayer bailout, they made sure they got their bonuses, thus disproving their always repeated mantra that their pay varies depending on company performance. Oh sure maybe a couple of million but that's nothing to them, where if our performance were that bad we'd be fired (and probably should be). But they have the out that they can just blame us, even though we have no power at all despite being "empowered" and laugh all the way to the bank. Funny thing is, when things go well they always take the credit for that, but when things don't, you find someone to blame and get your bonus anyway. Looting well done I'd say! The best part is when they preach to you about integrity and personal responsibility, I have to bite my tongue not to say what the hell would you know about those terms, but I need to make a living.

kqwqk27
Green Member
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Posts: 14
Joined: Thu May 30, 2013 7:16 pm
Location: Southern

Postby kqwqk27 » Thu May 30, 2013 7:38 pm

As others have said, try to get a secured card anywhere you can. Try using the 'shopping cart trick' at online retailers to get a low limit retail card (this may have been mentioned earlier).

Also see if you can work out a payment + PFD plan to get your collection taken care of. This will help tremendously and CA are generally open to this type of scenario if you can negotiate yourself decent terms.
My Cards:
Capital One Platinum MasterCard ($500)
Capital One Platinum Visa ($2k)
BofA Visa ($4k)
Citi ThankYou Preferred ($6.5k)
Chase United MileagePlus Club ($8k)
Discover IT ($8k)



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