My parents went bankrupt because they're sadly very gullible people who fall for basically every scam that comes their way. The final push was a predatory mortgage. When this happened my mother encouraged me to get a credit card (I had just turned 18) and kept asking me to use it for groceries, car payments, whatever. The problem was, I didn't have the income to pay it off, and neither did they.
Years later I finally had a job that paid enough to let me pay off the whole balance at once, and then I cancelled the card/account because I never wanted to see it again. Then I learned that doing that apparently ruins your credit. :\
So I've basically had bad credit from the moment I turned 18. Collections people call me all the time for things I have no clue about (I just never answer the phone) and I've never even tried to apply for another credit card. I'm sort of in a "ignore it until it goes away" habit, which I know is bad, but I don't have any real clue what else to do.
I'm not sure what the original point of this comment was but I'm going to hit save anyway.
VisceralDelight3 karma
My parents went bankrupt because they're sadly very gullible people who fall for basically every scam that comes their way. The final push was a predatory mortgage. When this happened my mother encouraged me to get a credit card (I had just turned 18) and kept asking me to use it for groceries, car payments, whatever. The problem was, I didn't have the income to pay it off, and neither did they.
Years later I finally had a job that paid enough to let me pay off the whole balance at once, and then I cancelled the card/account because I never wanted to see it again. Then I learned that doing that apparently ruins your credit. :\
So I've basically had bad credit from the moment I turned 18. Collections people call me all the time for things I have no clue about (I just never answer the phone) and I've never even tried to apply for another credit card. I'm sort of in a "ignore it until it goes away" habit, which I know is bad, but I don't have any real clue what else to do.
I'm not sure what the original point of this comment was but I'm going to hit save anyway.
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