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  1. #1
    SitePoint Enthusiast
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    Mar 2006
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    Any Bank Managers or Financial Planners?

    If so I have a few questions for a project that I need to do:

    1. What are the implications of having either a positive or negative credit history? (Ask for specific examples.)

    2. What would constitute a responsible use of credit?

    3. What are three (or more) inappropriate uses of credit?

    4. When selecting a credit card, what factors should one consider?

    Also if you answer these questions you need to be official and I need the following information so my teacher can verify that I asked a professional.

    a. Name
    b. Company you work for
    c. Address
    d. Phone number
    e. E-mail address

    If you wish you can just PM me. Thank you so much!

  2. #2
    Life is short. Be happy today! silver trophybronze trophy Sagewing's Avatar
    Join Date
    Apr 2003
    Location
    Denver, Phang-Nga, Thailand
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    1. None, unless you need to borrow money from someone. The majority of loans/credit use are unnecessary.
    2. None, unless you absolutely need to borrow money which is rarely the case.
    3. Cars, home equity loans, consumer electronics, payday loans, IRS OVERPAYS/REFUNDS..
    4. Interest, fees.

    I am 'official' but not a bank manager
    The fewer our wants, the nearer we resemble the gods. Socrates

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