Line Of Credit

Discussion in 'The Bar' started by Ryan Lever, Nov 5, 2013.

  1. Ryan Lever

    Ryan Lever Well-Known Member

    Reputations:
    14
    Joined:
    Sep 8, 2012
    Messages:
    8,120
    Likes Received:
    407
    SO I just inquired with my local bank about getting a line of credit at a low interest rate so I can pay off my credit card debt. I need serious advice here people, how low can this interest rate be? My current rate is 11.9% :coffee:
     
  2. gilaet

    gilaet mind wandering... Staff Member

    Reputations:
    36,534
    Joined:
    Aug 23, 2010
    Messages:
    97,324
    Likes Received:
    32,600
  3. nserafini

    nserafini Well-Known Member

    Reputations:
    0
    Joined:
    Sep 7, 2010
    Messages:
    5,260
    Likes Received:
    769
    Canadian banking crisis of 2013 in 3....2....1.....
     
  4. psyllium husk

    psyllium husk New Member

    Reputations:
    0
    Joined:
    Jan 15, 2012
    Messages:
    1,621
    Likes Received:
    4
    :coffee: to bad . i could really help you . but this is a message board where i escape from my real life .
     
  5. Mack

    Mack Well-Known Member VIP

    Reputations:
    57,710
    Joined:
    Sep 18, 2010
    Messages:
    81,531
    Likes Received:
    35,216
    Depends. What's your credit card balance?
     
  6. Markijuano

    Markijuano Well-Known Member

    Reputations:
    0
    Joined:
    Feb 1, 2011
    Messages:
    20,322
    Likes Received:
    54
    Credit score?
     
  7. BearShit

    BearShit Yung Boul

    Reputations:
    3,658
    Joined:
    Jul 8, 2011
    Messages:
    42,283
    Likes Received:
    5,794
    There is a lot that needs to be added.

    Just put a credit card in your daughters name :c
     
  8. Phan Neepack

    Phan Neepack Well-Known Member

    Reputations:
    0
    Joined:
    Aug 24, 2013
    Messages:
    10,107
    Likes Received:
    3,873


    Without verifiable income and a low debt-ratio, you're lucky to have what you have ...
     
  9. BearShit

    BearShit Yung Boul

    Reputations:
    3,658
    Joined:
    Jul 8, 2011
    Messages:
    42,283
    Likes Received:
    5,794
    SRS

    What bills do you actually pay a month.

    And your credit score?

    How many credit cards

    And finally what is your balance in the bank.

    These are serious questions we would need to know. To have any idea of where you stand
     
  10. zhukov

    zhukov Time Traveler VIP

    Reputations:
    29,117
    Joined:
    Feb 6, 2011
    Messages:
    34,446
    Likes Received:
    16,502
    already in trouble

    shocking
     
  11. Ryan Lever

    Ryan Lever Well-Known Member

    Reputations:
    14
    Joined:
    Sep 8, 2012
    Messages:
    8,120
    Likes Received:
    407
    I pay rent,phone,internet,bus to get to work,credit card,computer and my total debt is 5900 and total in the bank is 146 dollars
     
  12. Ryan Lever

    Ryan Lever Well-Known Member

    Reputations:
    14
    Joined:
    Sep 8, 2012
    Messages:
    8,120
    Likes Received:
    407
    No idea they told me though my credit was "good" whatever that means
     
  13. Mack

    Mack Well-Known Member VIP

    Reputations:
    57,710
    Joined:
    Sep 18, 2010
    Messages:
    81,531
    Likes Received:
    35,216
    oofa
     
  14. Markijuano

    Markijuano Well-Known Member

    Reputations:
    0
    Joined:
    Feb 1, 2011
    Messages:
    20,322
    Likes Received:
    54
    Yeah they aren't going to go through with it
     
  15. FatKidSullivan

    FatKidSullivan Smoking Cigars

    Reputations:
    9,484
    Joined:
    Dec 13, 2011
    Messages:
    47,907
    Likes Received:
    16,630
    Did you get fired, Ryan?
     
  16. TripTo My Taint

    TripTo My Taint Well-Known Member

    Reputations:
    3
    Joined:
    Sep 18, 2010
    Messages:
    5,711
    Likes Received:
    360


    Learn the difference between to and too, and then maybe someone would GAF about advice from you.
     
  17. Lou Loomis

    Lou Loomis Feel the Gern

    Reputations:
    9
    Joined:
    Aug 7, 2012
    Messages:
    17,244
    Likes Received:
    9,719
    Do this again tomorrow at another bank

    but this time, video the meeting
     
  18. Chriza

    Chriza The One Man Gangbang VIP

    Reputations:
    8,059
    Joined:
    Sep 18, 2010
    Messages:
    27,888
    Likes Received:
    12,578
    You're asking for credit to pay off a debt. Do you even know what these words mean, you fucking simpleton?
     
  19. O Face

    O Face VIP Extreme Gold

    Reputations:
    32,262
    Joined:
    Dec 13, 2011
    Messages:
    10,948
    Likes Received:
    9,214
    If the credit line is not secured by your principal residence, the rates will be comparable to your credit cards, seeing they are essentially the same thing
     
  20. Ryan Lever

    Ryan Lever Well-Known Member

    Reputations:
    14
    Joined:
    Sep 8, 2012
    Messages:
    8,120
    Likes Received:
    407
    No I never got fired you dumb shit