Whose got the trousers on?

[escapeUK]

and you want a credit rating why ?

Everyone has one, regardless of whether you want one or not.

[EternalOptimist]

Everyone has one, regardless of whether you want one or not.

dont be thick now escapeartist. you know what i mean

why is gentile naive for not considering it ?

[escapeUK]

donr be thick now escapeartist. you know what i mean

why is gentile naive for not considering it ?

Ultimately most people will want a car loan, a mortgage, to rent a property. At this point a credit check is always done, if one has for some silly reason decided to keep ones spending away from credit cards then there is no history of having credit and repaying it. I usually find its silly young girls who say things like "I wouldnt dream of having one" or "I had one and went mad and had to cut it up". Surely adults see it the same as money and just act accordingly? Never paid a penny of interest on mine, and I had my first one at age 18.

[EternalOptimist]

Ultimately most people will want a car loan, a mortgage, to rent a property. At this point a credit check is always done, if one has for some silly reason decided to keep ones spending away from credit cards then there is no history of having credit and repaying it. I usually find its silly young girls who say things like "I wouldnt dream of having one" or "I had one and went mad and had to cut it up". Surely adults see it the same as money and just act accordingly? Never paid a penny of interest on mine, and I had my first one at age 18.

got you. people who live your lifestyle and do not have credit cards are naive.
you are probably right there.


but people who do not live your lifestyle might have no need of credit cards, so why are they naive ??

i dont have any credit cards. never have. never will.

[escapeUK]

i dont have any credit cards. never have. never will.

Why not, for what reason? Do you know why?

[EternalOptimist]

Why not, for what reason? Do you know why?

er...

because i never wanted one. never applied for one. never needed one

[escapeUK]

er...

because i never wanted one. never applied for one. never needed one

But this is not a reason, this is not a why. I thought you would not know, but it is best to ask than assume.

[darmstadt]

I have around 4 credit cards with about £30K credit on them.

Is that all? And you call yourself a contractor?

[EternalOptimist]

But this is not a reason, this is not a why. I thought you would not know, but it is best to ask then assume.

ok. right...

put your brain care specialist on danger money. right now

[minestrone]

But this is not a reason, this is not a why. I thought you would not know, but it is best to ask than assume.

Fook sake, he asked if I was pissed earlier on.