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Random fashion thoughts - Page 5950  

post #89236 of 109053
Regis gonna get put on a watch list. Combine shipments from the Middle East with trips to Cuba...
post #89237 of 109053
Quote:
Originally Posted by jet View Post

Love reedo's stories, it's like he's new at life or something. I don't remember the last time I used a debit card when I can borrow on interest free credit and get paid for it.

I got denied for a student CC, one where a $0 income was allowed frown.gif
post #89238 of 109053
Quote:
Originally Posted by cyc wid it View Post

Regis gonna get put on a watch list. Combine shipments from the Middle East with trips to Cuba...

Exactly! All I need is a bootleg TOJ from North Korea to complete the 'Axis of Evil'
post #89239 of 109053
Quote:
Originally Posted by Raindrop View Post

Done with purchases..wayyy too much this month and last.

lolz. i say that every day.
Quote:
Originally Posted by reedobandito View Post

Called my bank and they opened a dispute case against Uniqlo, hopefully at least it convinces Uniq to actually check their database for my tracking

good step.i hope they decide in your favor.
Quote:
Originally Posted by Teger View Post

Get the shipper to contact UPS for you.

this. i actually did just that for a customer today.
Quote:
Originally Posted by reedobandito View Post

I got denied for a student CC, one where a $0 income was allowed frown.gif

frown.gif have you tried getting a co-signer? building credit is important, even for things besides kops.
post #89240 of 109053
My parents don't trust me with a CC lol, maybe I'll ask for a co-sign as my going away present
post #89241 of 109053

lmao Reedo did you really give $250 worth of stuff with the receipt to the USPS driver

post #89242 of 109053
:/
post #89243 of 109053

How do you afford all your clothes?

post #89244 of 109053
Quote:
Originally Posted by reedobandito View Post

My parents don't trust me with a CC lol, maybe I'll ask for a co-sign as my going away present

lol parents. i got my first CC when i was 20 and i asked a friend of mine who was a doctor to co-sign. maybe bene will co-sign for you.
post #89245 of 109053
Are credit card companies tightening up who they give cards to or something? I got my first one way back in my sophomore year of undergrad, was unsecured and I don't think I had to have a cosigner either.
post #89246 of 109053
Quote:
Originally Posted by Distorbiant View Post
 

How do you afford all your clothes?

Get a job or become a gigolo... :foo:

post #89247 of 109053
Quote:
Originally Posted by Noctone View Post

Are credit card companies tightening up who they give cards to or something? I got my first one way back in my sophomore year of undergrad, was unsecured and I don't think I had to have a cosigner either.

This can depend on what you're applying to. Try asking in the business forum area though... might be a better place. 

 

Credit cards are out to make money and get your money; so I'm sure someone will be happy to offer you a credit card.

 

I'm guessing you're still a student?

You can apply for student credit card and you don't need a cosigner. Look at the apr rates, my recommendation if you're american is chase sapphire. It has a better rate than my wells fargo credit card and has a great rewards program. That being said, you should stay within 30% of your limit. So if you have 5000 limit you should only use at most 1500. The people with the best credit scores use 10% of their credit. You should always pay your balance off every month to avoid getting in a hole. Spend what you can afford & then take advantage of the cash back/rewards. There are some awesome credit cards so just look around and do your hw.

 

You should stay away from revolving credit ie a macy's card, nordstrom, bloomingdale's etc. They have ridiculous high apr rates and usually aren't worth the "rewards".

Revolving credit can be awesome though-- I find nordstrom's rewards wonderful. I find great stuff there all the time. 

For menswear, if you're on a budget/student, I can guarantee with some looking at nordstrom rack you can get some cool pairs of shoes for under 100 or 200 compared to typical retail of 300/400. The clothes for menswear can depend on where you live. They have a decent selection of denim and jackets. I also get a ton of nordstrom notes from them (granted i go on their special days where i get either double or triple points. they also had a 10 points per dollar day. Got $60 worth of nordstrom notes to go play with some more. i'm also a fashion stylist so sometimes for some work stuff i'll drop between 500-2000 and get a ton of points PLUS $ back.) They also offer complimentary tailoring which i haven't tried out. That might be useful for a student until you can find a really good tailor. i also have a macy's card i don't use. Try not to open too many revolving credit cards. i think i read somewhere 2 to 4 is ok BUT not ideal.

 

Bottom line: to build credit apply at your local bank or credit union. Stay away from revolving credit unless you can really take advantage of their rewards. Just use a regular credit card to shop at different places. it's easier to manage at most 3 to 5 credit cards. I would say no more than that. There are also other ways to build credit : ie loans, car payments.

post #89248 of 109053
Oh great unsolicited credit card advice chat again.
post #89249 of 109053

@Benesyed :rolleyes:

 

 

post #89250 of 109053
are eastpak luggages any good? i need something that will get me through a 7-day trip in NYC.
budget ~$250.
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