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View Full Version : Next Shoe To Drop: Credit Card Debt


Jeff Jones
02-20-2009, 11:02 AM
Otay, Buckwheat.

George Bush bailed out his fat-cat friends at the high-end of the financial debacle spectrum with TARP 1. (Obama is about to add TARP 2.0)

But Obama's main mission is to bail out the low-end of the financial debacle spectrum by giving the starry-eyed homeowners a pass on their real estate debt.

This should be economic mess enough for anybody. Already nonsense groups like ACORN are organizing in major cities to promote civil disobedience by telling foreclosed residents not to leave their houses voluntarily. Class warfare is about to make great cable televison.

(Somewhere, Hillary is thanking God for allowing her not to be elected President in order to flit about the world, while Obama has to deal with this crap.)

But, it's gonna get a lot better.

CREDIT CARD DEBT....

If ya' think holding a mortgage worth 60 cents on the dollar is bad for the banks, how 'bout holding massive credit card debt which is totally unsecured? Why isn't everybody maxing out their credit card limits while they still can?

If buying too much house is no longer punishable, why should having that Junior Leaguer wife of yours buy too many Armani dresses at Neiman-Marcus on plastic be any different?

The banks be in trouble. I don't think the terrorists need to rush any U.S. attacks.

marcoforte
02-21-2009, 03:41 PM
F* them all. Let them go bankrupt. Those with cash will be king picking up assets at 10 cents on the dollar. Life without risk, shoot me now.

TJMAXX
02-21-2009, 03:45 PM
I was actually thinking about that -- I have six figures in revolving credit w/ no debt -- I mean if all these goddamn subprimers are getting a pass, why can't I?

A buddy of mine who's a bankrupcty lawyer said it was a bad idea due to possible tax issues with the IRS, but still, I'm still getting 60-70% free... damn morals...

WarDekar
02-21-2009, 04:05 PM
I was actually thinking about that -- I have six figures in revolving credit w/ no debt -- I mean if all these goddamn subprimers are getting a pass, why can't I?

A buddy of mine who's a bankrupcty lawyer said it was a bad idea due to possible tax issues with the IRS, but still, I'm still getting 60-70% free... damn morals...

I thought about doing that too... Just max everything out then try and settle it for less.

The problem with that is from what I've read/heard it can affect your credit rating (but I think there may be ways around it).

PerpetualCzech
02-21-2009, 09:47 PM
The problem with that is from what I've read/heard it can affect your credit rating (but I think there may be ways around it).

You are in a world where you can get way better(i.e. higher) credit than financial institutions can offer and where that credit rating doesn't mean shit.

4 months ago I was cash-broke. The gambling world credit rating I had built up saved my ass. A good credit rating in the "real world" wouldn't have helped me squat.

WarDekar
02-22-2009, 10:10 AM
You are in a world where you can get way better(i.e. higher) credit than financial institutions can offer and where that credit rating doesn't mean shit.

4 months ago I was cash-broke. The gambling world credit rating I had built up saved my ass. A good credit rating in the "real world" wouldn't have helped me squat.

Trust me, I think I learned that lesson yesterday :))

TJMAXX
02-22-2009, 09:51 PM
I wish I had your friend about a year and a half ago when i had a margin call for $50k. Suddenly all my 'friends' disappeared. Yeah, a got a couple of offers for up to 10k or so, but I ended up taking a serious haircut.

WarDekar
02-23-2009, 07:23 AM
But at the same time I'd rather not ruin my "real world" credit over something stupid, since it's probably going to be important for buying a home and whatnot after this mortgage disaster.

For some reason I got a bunch of credit handed to me coming out of college (my one area of run good-being born a WASP in middle class US) and have a pretty nice credit score right now, so it's probably not worth the risk.