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About Insomniak

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    Doesn't Sleep!

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  1. I need advice on this. My roommate is moving out at the end of april, and i've asked her about transferring the lease on the entire apartment to me. Naturally, this is a major financial transaction. The kind, yet very elderly landlady, is probably going to need me to have this.

    I have no idea about the process involved, how long it would take for me to be approved, if my current job situation would allow it, if I have any credit I can use from the phone which is in my name.

    it would be < $700 for the two-bedroom apartment; electrical bills, internet, living expenses, etc are seperate. I would need to find a roommate to live with me (preferably someone with some music knowlage and some instruments), and split the bills. I would move into the master bedroom.

    It would also be useful to have a credit card to pay for expensive shit like guitar amplifiers, new stereo etc.

    This is a really sweet location and I don't want to lose it. Close to my job, close to alot of really cool shit in the downtown area. What advice can you give me?

    1. Show previous comments  5 more
    2. Naked Snake

      Naked Snake

      AndrewB said:

      BTW the Canadian equivalents of VISA and Mastercard are VISA and Mastercard.

      Good to know.

    3. Amaster


      If you apply for a card online your approval should be pretty much instantaneous. Most people have some kind of a credit history. You'll probably get the card about a week after applying. If you don't ever use it you can cancel at little or no cost (maybe something like a 50 cent charge).

      The process is pretty straightforward. You'll be asked how much you earn, what you do for a living, and possibly how much you have in the bank.

      What does a lease have to do with a credit card? Does your landlord even have the ability to process credit cards? You should never EVER write checks or withdraw cash from an ATM against a credit card. The interest is ridiculous and there is no grace period. You begin accruing interest on such withdrawals immediatey.

    4. Hobbs


      Going into debt is teh win. Just stop by one of those payday loan places and they'll show you how teh win it is.