I thought companies loved to give young guys credit cards?

[mmbt0ne]

Rent due Feb 1st. Insurance due Jan 31st. No paycheck until Feb. 2nd because HR didn't put me in the database in time. I have had one credit card since I was 18 and it has a $700 limit. I'm leaving on a business trip to the luxurious Mechanicsburg, PA on Monday.

Given my $200 checking account and negligible available credit I decide the best way to address this situation is to get a new credit card. Easy enough. I go to my bank, a few minutes later, $4000 credit limit. That'll do.

Now the catch, only $1000 is available until I activate the card. Well, that will cover rent and insurance but still leaves me effed on the business trip. The card won't arrive for 5 to 7 business days. Best case scenario I will be airborne at that point. Ok, I'll wow the customer service lady with my charm and get the card overnighted to me.

Me: "Hello, I need money and would like my card."
Her: "Ok, since you sound cute I send you a Rush Card, it should take 2 days."
Me: "Awesome, thanks."
Her: "Oh wait, you're accounts not setup. I can't do it."
Me: "That seems odd because I just used the CC number to pay my rent."
Her: "You don't have an expiration date."
Me: "01/09"
Her: "I can't do anything for you until it's set up."
Me: "Ok, well what do I need to do to set it up?"
Her: "Call back Wednesday."

At least there's nothing worth spending money on in Mechanicsburg [img]/images/graemlins/frown.gif[/img]

[guids]

theres usually a grace period for insurance, so f that, use that money.

[El Diablo]

mmbt,

You don't have rent grace period 'til the 5th?

[MattSuspect]

Go over your credit limit, suck up the 40 fee and enjoy the finest arbys that mechanicsburg has to offer!

[NU Star]

I'm 20 and Amex does indeed love to give me credit.

[Dids]

Tone,

When I was your age I was expert at getting myself into these situations.

Both of those bills can wait a day, but as others have said, I'm almost positive rent is one of them.

[Tron]

WTF I got rejected for Blue for Students because I have no credit history whatsoever, lame.

[mmbt0ne]

ED,

There is something like this, but I used it last month because of the whole New Years isn't a real day thing. I don't think they take kindly to 2 tardy months.

IMS,

No doubt. Of course there are no Chick-Fil-A's within 20 miles.

NU,

I forgot to add that I tried to increase my credit limit on my current card, and they declined me before I could even speak to a representative. Ouch.

[miajag]

Once you start law school/med school the credit card offers you start getting are insane, even if you have little/no credit history.

[DonkeyKongSr]

[ QUOTE ]
I'm 20 and Amex does indeed love to give me credit.



[/ QUOTE ]

WTF? I'm 29, have great credit (765) and recently added my first American Express card (Blue). I have a $2500 limit. Those [censored] better bump me up over $15K quickly. I can't have some student with more free moneez than me.