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This just makes me unspeakably angry

There are many places in the US where a car is not optional. Outside the cities there is often no public transportation at all. And the way things are set up, if you manage to lead a cash-only existance, you are without credit, and are seen as suspicious. And if you have no credit (debt,) you cannot get a loan. (Debt.) Husband and I were refused a hotel room once, years ago, becuause we had no credit card. Even as he stood there in his Navy whites. They said if you did not have a credit card you would probably trash the room.

So the poor are in a bind. You need a car to work, you need debt to buy a car... You better hope you can balance on that ledge, you better hope nothing ever goes wrong.

http://dealbook.nytimes.com/2014/09/24/miss-a-payment-good-luck-moving-that-car/

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Comments

( 5 comments — Leave a comment )
provencepuss
Sep. 25th, 2014 11:28 am (UTC)
when I had my store in what was a local market town here in Provence I used to say cynically (but with reason) that once those who could afford cars no longer used public transport it was assumed that all who lived in the outlying areas had cars.
serge_lj
Sep. 25th, 2014 06:07 pm (UTC)
People don't need things to be made more difficult for them.
ba1126
Sep. 25th, 2014 07:54 pm (UTC)
For that reason, I HAVE a credit card, though I rarely use it. I pay anything on it in full at the first opportunity. I much prefer using my debit bank card.
anteros_lmc
Sep. 25th, 2014 10:42 pm (UTC)
Yes, it makes me furious too. I used to have a very bad credit rating because I had never had an unsecured loan. I had a mortgage, but apparently that didn't count. I eventually got a credit card, but I haven't used it for years. I also don't drive which always made work trips to the US rather...interesting!
wellinghall
Sep. 26th, 2014 05:35 pm (UTC)
I don't blame you.

And off topic, but this article might interest you -

http://www.bkmag.com/2014/09/25/no-new-york-in-the-1980s-was-not-a-horror-filled-haunted-house/
( 5 comments — Leave a comment )