Ball State

» credit repair

By China at 3:23 PM

I feel like there should be a class in college to teach you specifically about credit lines. When a bank or an advertisement is telling you about credit, they tell you only the good things. Like no charges for a year or a certain percent cash back.

I work at a clothing store and I have worked at a different one in the past and before you start working for the day they do a 'touch base' which is basically just the manager telling you how well the store is doing at that point in the day. So if I started work at 1 p.m. and the store had been open already for four hours, they would expect you to have a certain dollar amount sold by 1 p.m. and a certain number of client turnout like for every two people who come in one of them has to buy something and it has to be at least three items, or something specific like that. But the biggest thing is the credit card for that specific store. You have a credit card goal and you are expected to meet it. This is the most important stat for a lot of stores (at least the ones that I have worked at and heard about), because this keeps the clients coming back for more. It basically ties them to the store. They get promotions in the mail with their statement every month that reminds them to come back to our store. So when we arrive for the day we are told over and over again that each client needs to be asked three different ways if they want to open a card. So someone on the floor will ask and talk about a discount on certain items you receive when opening the card or the person working in the fitting room will talk about the free shipping and then finally the person at the register will say that you can save ten percent when you open the card on your first purchase. Notice how none of those people told you about high interest rates or past clients that have spent so much that their credit was beyond repair.

So make sure when you are looking into getting a credit card, you know what it says in the fine print and that you keep track of your credit report so that you won't have to deal with credit repair years down the road. And make sure you take advantage of the free credit report offered. then you will not be in need of credit repair.