Comic Discussion > QUESTIONABLE CONTENT

WCDT Strips 3451-3455 (3rd to 7th April 2017)

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Stoutfellow:

--- Quote from: Neko_Ali on 04 Apr 2017, 06:29 ---We don't know what Faye's credit or spending was like before being fired from Coffee of Doom. Probably not the greatest because she does have some impulse control issues. Not like May, but still.  Since then, as far as legal matters have been concerned she's been unemployed. After an extended emergency stay in the hospital she's going to have some bills. Fortunately Dora let her ride on the insurance to not completely destroy her life, but deductibles are not cheap. Bubbles may have no financial record at all since leaving the military. No credit history and no employment history are things that would scare off a potential leaser possibly even more than someone with bad credit. Sure, they SAY they want to open up an AI repair shop. But would they also be running a side, illegal business out of their property as well? Probably the best bet is to get a co-signer/silent partner who has good credit to act as 'the responsible looking one'. Hanners has the money and connections, she may not have the credit rating. Veronica certainly does have both, but would she be willing and would the duo think of her or want her to be involved?

--- End quote ---

I suspect that Hannelore has a decent credit rating. She does buy stuff, some of it expensive - the gong, the heavy-duty cleaning equipment (including full-body protection gear) - and, though she probably could pay cash, why would she? (Which is cleaner, a credit card you keep in your purse or whatever, or paper money and coins that have been handled by God knows whom?)

jheartney:
If Hanners has cash and wants to be their backer, then credit shouldn't be an issue. The bank would look at her name and her bank account, and happily let her co-sign the lease etc.

I suspect Jeph won't go this route, as it becomes too easy from a narrative point of view to just let the Ellicott-Chathams serve as sugar daddy. People living on the edge make better stories than the comfortably well-off.

Neko_Ali:

--- Quote from: Stoutfellow on 04 Apr 2017, 06:40 ---
--- Quote from: Neko_Ali on 04 Apr 2017, 06:29 ---We don't know what Faye's credit or spending was like before being fired from Coffee of Doom. Probably not the greatest because she does have some impulse control issues. Not like May, but still.  Since then, as far as legal matters have been concerned she's been unemployed. After an extended emergency stay in the hospital she's going to have some bills. Fortunately Dora let her ride on the insurance to not completely destroy her life, but deductibles are not cheap. Bubbles may have no financial record at all since leaving the military. No credit history and no employment history are things that would scare off a potential leaser possibly even more than someone with bad credit. Sure, they SAY they want to open up an AI repair shop. But would they also be running a side, illegal business out of their property as well? Probably the best bet is to get a co-signer/silent partner who has good credit to act as 'the responsible looking one'. Hanners has the money and connections, she may not have the credit rating. Veronica certainly does have both, but would she be willing and would the duo think of her or want her to be involved?

--- End quote ---

I suspect that Hannelore has a decent credit rating. She does buy stuff, some of it expensive - the gong, the heavy-duty cleaning equipment (including full-body protection gear) - and, though she probably could pay cash, why would she? (Which is cleaner, a credit card you keep in your purse or whatever, or paper money and coins that have been handled by God knows whom?)

--- End quote ---

Debit cards were mentioned. A lot of 'cash' purchases in the US these days are actually made with debit cards. We really don't know how much actual money in the bank Hanners has, but considering her parents I doubt that anything she buys goes past the 'I can't afford this with money on hand' levels. There are two reasons to get a credit card. To purchase things you can't afford with cash on hand, and to build a positive credit score. Hanners would have no need for the former. It's unknown if she cares about the latter.

Stoutfellow:
I can think of at least two other reasons for getting a credit card: not wanting to deal with cash, and for situations in which using cash simply isn't feasible - e.g., ordering from Amazon.

Yes, yes, debit cards. I have a debit card, as it happens; I use it for buying groceries and ATM withdrawals. However, the bank which issued it has imposed a restriction: if I use it more than, I think, six times in one month, they will charge me a certain amount (I don't recall how much) for each excess use. I don't know how common this is, but it would certainly put a crimp in their use as opposed to credit cards.

And I still suspect Hannelore isn't fond of handling (filthy) money.

sitnspin:
A lot of credit cards earn you points toward other purchases, like books or airline miles. I know people who never put more than they can afford on thier card, they use it like a debit card to earn those points.

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