Something is confusing about Part 1 of "J.J becomes a man episode" - Sitcoms Online Message Boards

TVFactFan · 11-03-2011, 07:24 PM

James was upset that he couldn't get J.J art supplies for his birthday because his credit was denied.

How the hell was james in position to use credit when he had a low paying job?????????????????????????????????????????????????????-LOL

Brieannas21 · 11-23-2011, 06:23 PM

Quote:

Originally Posted by TVFactFan

James was upset that he couldn't get J.J art supplies for his birthday because his credit was denied.

How the hell was james in position to use credit when he had a low paying job?????????????????????????????????????????????????????-LOL

The same way College students are able to get credit cards without having a job or a part time job making minimum wage. As long as your credit is in good standing, anyone can get credit from a store.

TVFactFan · 11-23-2011, 06:37 PM

Quote:

Originally Posted by Brieannas21

The same way College students are able to get credit cards without having a job or a part time job making minimum wage. As long as your credit is in good standing, anyone can get credit from a store.

Usually you are not approved for credit if you have NO job or a PIECE of job.

Brieannas21 · 11-23-2011, 09:12 PM

Quote:

Originally Posted by TVFactFan

Usually you are not approved for credit if you have NO job or a PIECE of job.

Yes you are. That is the reason why credit card companies target College students. During my College orientation there where tables set up and Visa, Chase and Master Card, Bank of America and AMEX were recruiting people to open up accounts. It didn't matter if you had a piece of a job, as long as your credit was in good standing. It is like that today. You can have a Part time job waiting on tables, Selling shoes or working at McDonalds you can get a credit card. Your credit limit might be low but anyone with OK to Good credit can get a line of credit.

Why do you think a lot of young people have bad credit?

TVFactFan · 11-23-2011, 10:53 PM

Quote:

Originally Posted by Brieannas21

Yes you are. That is the reason why credit card companies target College students. During my College orientation there where tables set up and Visa, Chase and Master Card, Bank of America and AMEX were recruiting people to open up accounts. It didn't matter if you had a piece of a job, as long as your credit was in good standing. It is like that today. You can have a Part time job waiting on tables, Selling shoes or working at McDonalds you can get a credit card. Your credit limit might be low but anyone with OK to Good credit can get a line of credit.

Why do you think a lot of young people have bad credit?

But James wasn't in position to be offered anything

Brieannas21 · 11-24-2011, 12:07 AM

Quote:

Originally Posted by TVFactFan

But James wasn't in position to be offered anything

Well, James had bad credit, so that was the reason why he couldn't get the store credit. They have had their phone disconnect and were late on the rent.

The question you should ask is....Why didn't they go down to the store and use Flordia's name and credit? Since I'm guessing all of the bills were in James name.

yayaya · 04-23-2012, 11:37 PM

Quote:

Originally Posted by TVFactFan

But James wasn't in position to be offered anything

It wasn't about what money he had or what jobs he had, it was about the fact he never ruined his credit. Everyone pretty much starts out with great credit. James ruined his when he said he missed two payments on something, can't remember what it was, but that was dumb of him to not know that once you miss a payment or two, that is the beginning of ruining your credit.

TVFactFan · 04-24-2012, 08:08 PM

Quote:

Originally Posted by yayaya

It wasn't about what money he had or what jobs he had, it was about the fact he never ruined his credit. Everyone pretty much starts out with great credit. James ruined his when he said he missed two payments on something, can't remember what it was, but that was dumb of him to not know that once you miss a payment or two, that is the beginning of ruining your credit.

My point is credit is given to someone based on their income and how would he get credit when he was barely trying to survive juggling 2 low paying jobs?

yayaya · 04-24-2012, 09:50 PM

Quote:

Originally Posted by TVFactFan

My point is credit is given to someone based on their income and how would he get credit when he was barely trying to survive juggling 2 low paying jobs?

Not always. This is why people who are in college and who DO NOT have jobs, tend to get credit cards because the credit card companies figure if you are getting school loans and such, you are likely to pay that back and that is the start of establishing credit.

What was it that James had missed two payments on?

The department store didn't know James' status as far as how he was struggling at home. All they needed to know what his income was. I don't think he sat there and told them his business and how he is feeding five people, struggling to pay rent on occasion, etc. He just probably showed them his check stubs and that was all the store would have cared about - his income, not what his bills were. He was wanting to buy art supplies, not a vehicle or a home.

TVFactFan · 04-24-2012, 10:10 PM

Quote:

Originally Posted by yayaya

Not always. This is why people who are in college and who DO NOT have jobs, tend to get credit cards because the credit card companies figure if you are getting school loans and such, you are likely to pay that back and that is the start of establishing credit.

What was it that James had missed two payments on?

The department store didn't know James' status as far as how he was struggling at home. All they needed to know what his income was. I don't think he sat there and told them his business and how he is feeding five people, struggling to pay rent on occasion, etc. He just probably showed them his check stubs and that was all the store would have cared about - his income, not what his bills were. He was wanting to buy art supplies, not a vehicle or a home.

No one who is living in the projects should be issued a credit card-lol he was in the projects in the first place because it was LOW INCOME housing so whoever gave him a credit card was desperate for business

yayaya · 04-25-2012, 06:00 PM

Quote:

Originally Posted by TVFactFan

No one who is living in the projects should be issued a credit card-lol he was in the projects in the first place because it was LOW INCOME housing so whoever gave him a credit card was desperate for business

But that is how many people who don't have the means to pay for things up front, pay for the things they want - credit. People who can't afford to pay for an item in full, can afford to do it in payments as long as they have the credit to do so. There are many people with good jobs who accrue huge balances and default on their credit cards so, I can't say all people in the projects are bad risks. There are bad risks everywhere.

Although in James' case, I will admit he was walking on thin ice as it seems he seemed to be getting laid off a lot. He was betting on money he couldn't be sure would be there when he needed it. I don't think the art supplies cost that much, but if he was being committed to 3 or 4 monthly payments, that is too far in advance for James to be relying on a job that he wasn't sure he would have.

TVFactFan · 04-25-2012, 06:12 PM

Quote:

Originally Posted by yayaya

But that is how many people who don't have the means to pay for things up front, pay for the things they want - credit. People who can't afford to pay for an item in full, can afford to do it in payments as long as they have the credit to do so. There are many people with good jobs who accrue huge balances and default on their credit cards so, I can't say all people in the projects are bad risks. There are bad risks everywhere.

Although in James' case, I will admit he was walking on thin ice as it seems he seemed to be getting laid off a lot. He was betting on money he couldn't be sure would be there when he needed it. I don't think the art supplies cost that much, but if he was being committed to 3 or 4 monthly payments, that is too far in advance for James to be relying on a job that he wasn't sure he would have.

Anyone living in low income housing is not eligible for a credit card so it wouldn't matter if they were a bad risk or not.

cleverfun3000 · 04-25-2012, 07:50 PM

True, but anyone, even someone with the WORST credit rating, CAN get a DEBIT card.

-STEFFY- · 04-25-2012, 07:56 PM

Quote:

Originally Posted by cleverfun3000

True, but anyone, even someone with the WORST credit rating, CAN get a DEBIT card.

You upload YOUR OWN money on a debit card. James never had any money!

TVFactFan · 04-25-2012, 08:05 PM

Quote:

Originally Posted by -STEFFY-

You upload YOUR OWN money on a debit card. James never had any money!

Thank you, it would have been no point for him to get a debit card LOL

11-03-2011, 07:24 PM	#1
TVFactFan Member Forum Junkie Join Date: Aug 17, 2002 Posts: 99,067	Something is confusing about Part 1 of "J.J becomes a man episode" James was upset that he couldn't get J.J art supplies for his birthday because his credit was denied. How the hell was james in position to use credit when he had a low paying job?????????????????????????????????????????????????????-LOL

04-25-2012, 07:50 PM	#13
cleverfun3000 Member Senior Member Join Date: Sep 18, 2008 Location: Manhattan Posts: 1,685	True, but anyone, even someone with the WORST credit rating, CAN get a DEBIT card.