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you know why these fucks, credit union and Chase, turned me down?
Because I do not have enough credit history!!!!! Fuck! In my credit report I have furniture loans, paid in full, older auto loans, paid in full, and a long history of no delinquent payments.
BUT
I do not have any credit cards currently. I hate fucking credit cards, and I do not use them. I have a great credit SCORE, but no credit use history! So the fucks are penalizing me because I pay my fucking bills and buy my shit with CASH MONEY I earned at work, instead of taking micro-loans (what credit card purchases actually ARE) and carrying a debt of thousands of dollars.
They told me, they actually told me this, that if I had three credit cards with an outstanding debt of $5,000, I could have gotten a car loan. what the fuck.
so what I learned from a financial friend is that I and my wife are gonna get 2 $500 limit credit cards at low APR, use them to purchase gas, or pay a bill, then INSTANTLY got to your bank site and pay off the credit card. That way no interest is accrued, and the system (or shit-stem) treats it like good quality credit transactions.
what a fucking joke.
I have a job that pays great, no debt AT ALL, and $8,000 in the bank and those fuckers denied me.
It is all a LONG CON
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