Defaulting vs keeping a healthy credit score

>>1619420
it depends how much you will use credit over the next 7-10 years.

there's no way we can know that. Though we can guess that if you don't pay you'll be using credit less than if you do.

>>1619434
I barely use my credit cards, and have the balances paid off in full every month. I like frugal, but may be looking at buying a house in that time span.

I'm wondering if spending the 250 bucks now will be cheaper in the long run than getting a worse interest rate in the future.

I'm a cheap fuck, I know.

>>1619498
Talk to a high official at the school and show you care and you can maybe get it ttaken away. It's that easy.
Don't ignore then like some nigger.

>>1619498
if you buy a car or house in the next ten years it will cost you.

other than that it still depends on how much you use credit. I figure you'd have to charge a thousand or two bux before that 25% APR actually costs more than the bill you didn't pay.

>>1619505
Talk to them how? I don't understand what to say if they just tell me straight up "this is policy" or some shit like that.

>>1619420

I've ignored a handful of debts. They can get fucked.

Don't be scared OP.

>>1619590
As a graduate of the school with intentions to provide betterment to the schools facilities through donations over the next 20 years as a way of saying thank you for the opportunity this school has provided myself, I do believe we can make this bill go away through our discussion today. Do you not?

>>1619613
So basically try to convince them that they'll make up the difference in donations? I'm not sure they would fall for that, even being the libs they are.

I dunno though, I'm pretty noobish when it comes to this stuff. Thanks for the input.

>>1619606
Lol agreed. Has it worked out for you?

>>1619620
Be the nice guy at first and then be prepared to be a shithead if need be.

Always explain a benefit to the other person and always offer a cop out on a situation, "I know mistakes happen especially with the stress of a new school year but it appears I was billed when I shouldn't have been. Are you the right person to speak with on getting this resolved today."

Giving people a chance to say, "We fucked up," goes a long way in business and seeming to be okay with it goes even further.

Who would you rather help the understanding guy or the demanding rude asshole?

>>1619643
this is actually good advice op I would do it if I were you

>>1619643
Ok this makes sense. I wish i could speak to them in person but they are located about 800 km from where I now live. I feel email is a lot weaker.

Thing is, I was the one who missed the deadline though.

>>1619624

zero problems.

I had no problem getting 2 credit cards. Both allow me $5k in spending.

>>1619420
Defaulting on a $250 debt makes you a giant ass. You pulled out late and this is literally chump change. Just pay your dues and don't be a titanic wad. Call them up and negotiate first if you must.

>>1619870
It's a socialist institution, anon. I'd feel no remorse if I cost these fuckers money.