I was broke and hungry like many college kids are. Somewhere, I picked up a flier offering a free pizza. Naturally, I went. And, of course, there was a catch.
To get the free pizza one had to fill out a credit card application. I thought, hey, I'm broke, I don't have a bank account or any sort of savings. There's no way they'll give me a credit card.
So I filled out the application and got my pizza. A few weeks later, I got a credit card.
I was shocked. At first, I wasn't going to call the activation number. Unfortunately, the card arrived the day after a rather uneventful birthday. I wanted to party.
I activated the card and did fairly well at keeping up the minimum payments. And then I had another offer, one that included the possibility of getting a new computer. It just so happened I needed a new computer. So I got a new computer. I did pretty good at making the payments... a while.
And then college was over and I didn't always have a job. Which means I didn't always make my payments. Then I stopped making payments altogether.
This was probably the stupidest thing I've ever done in my life. And I've done some stupid shit.
The good news is that all put one of my debts (not including student loans: those take some time) have been settled. Today, I made arrangements to settle my last debt.
The idea is to boost that credit score so my wife and I can buy a house. Without my wife, I probably wouldn't be paying these debts or working at a good job or being happy.
My advice, gentle souls, is to remember that there is no such thing as a free lunch. If you don't think they'll give you the credit card, don't even bother to fill out the application.
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