Credit health checks

Credit health checks

Question by curouis: How should a person join a health club without a credit card? ? Me and my friend want to join this mini family health club. In order to join for one year we both are required to have a credit card that can be automatically billed once a month. The gym owner will not take a visa debit card for automatic payments. His reasoning for this is becuase people often have insufficient funds in their checking accounts. I myself only have a visa debit card and a discover credit card. This gym only takes visa and mastercard credit cards for monthly automatic payments. He told me and my friend that if we want to join his gym we must pay for a year in full with cash, check or debit card. He refuses to give us his monthly special becuase we don't have credit cards. The price to pay on full is $ 50 more per year than a monthly plan. The gym owner mocked us both and said you two are an odd bunch to not have credit cards. He said that not having a credit card in todays society is like not having a cell phone. He rudly said that 99% of the American population has credit cards. This guy is very out of touch and wrong. Many people whom I know only have visa debit cards and no credit card at all. There are even people I know who don't have credit cards or even a debit card. If this guy took discover card I would have signed up for his monthly plan. Having just a discover card is more than enough credit cards for me. What do others think about his policy? The gym owner said he will not take a debit card for recuring payments. Only credit cards! Best answer for How should a person join a health club without a credit card? ?:

Answer by boilerette72
You should be able to use your debit card like a credit card.

Answer by bud68
The policy is the policy. Many gyms are like that. As far as the gym owner and his opinions, he has a lot to learn about salemanship.

Answer by Judy
He wants the credit card so he can continue billing you for life. Pay the extra $ 50 a year and pay in full. These companies make it very hard to break a contract. If I moved for example, they want to show purchase of a new home/apartment. Insane. I tried to show company paperwork that we were moving, along with a letter of transfer from my old company. He refused to take that. Then I left the city. He wanted me to go back in person to show the paperwork and sign exit papers - only an 8 hour drive. They are blood suckers.

Answer by GEEGEE
Perhaps his attitude stinks but you are in a no win situation. His gym, his rules or go somewhere else. I realize this is not the point, but 50 more for a whole year is minuscule, if you really like the facilities and have the money to pay up front. I would not let 50,00, spread over 12 months stop me if I liked all other aspects of the gym.

Answer by mister ed
sorry - i think it sucks but he who owns the gym makes the rules -- either pay cash for a year or find another gym -- i myself would find a different gym!!!

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Politicians in Washington only seem interested in arguing about principles. No one wants to get real and start talking either about cuts to budgets, or tax raises to pay for the current raft of things the government provides. No Democrat can suggest cutting an entitlement. No GOPer can suggest raising taxes. The electoral base would rise up in a fury and strike them down. This leaves the country in a mess. Ever since the property bubble burst and the credit crunch arrived, we've been in deep trouble. The national unemployment rate has been hovering around 10% for going on two years with individual states and age groups more seriously affected. Property values continue to fall with personal bankruptcies and foreclosures waiting to catch those whose family budgets cannot keep pace with living expenses. Although the robosigning problem has slowed down repossessions, thousands of properties are being taken over by mortgage holders every day.

This makes your own credit score particularly important.

To get the best score, you have to manage your credit well. This does not mean paying down every debt. Ironically, paying off all your debts means you have no record in managing your debts. You need to keep credit cards and use them responsibly to maintain your score. This requires selective pruning. Pay off all the most expensive, like the store cards. Keep the cards with the lowest interest rates. If you need advice, go to one of the ethical debt counselors. The National Foundation for Credit Counseling runs a website helping you to find the more responsible advisors. Why do this for insurance purposes?

Unfortunately, insurance companies use credit scores in setting premium rates. The statistics show people who have low score make more claims. There are a number of reasons for this. As family budgets come under pressure, routine maintenance and repairs drop down the list of priorities. Older vehicles are more often involved in accidents. There's also a temptation to commit fraud. If a family is short of cash, claiming their vehicle has been stolen is growing more common. Hence, higher rates are charged. It's not very fair, but insurers stay in profit.

Every company has their own formula for calculating your credit score and you have no right to see your scores. But you do have a right to verify the information from which the scores are calculated. Washington produced the Fair Credit Reporting Act (FCRA). The three major companies, Equifax, Experian, and TransUnion must give you a free copy of your credit report once every twelve months. All you have to do is ask. If you find any mistake, you can insist the company corrects the information. If there's a dispute, you have the right to place a commentary next to the information explaining why you think it's wrong.

If you find serious mistakes, say reporting you have unpaid debts, this will be affecting your credit score. When this information has been corrected, ask for a new quote from your current insurer. Most responsible car insurance companies will reduce your premium immediately. The best will refund premiums as overpaid. This may not produce cheap auto insurance, but it will make you feel better.
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