The gamecock. (Columbia, S.C.) 1908-2006, February 06, 1985, Page Page 4, Image 4
A part-time job m;
Credit histoi
By Amy Bedenbaugh
Students may find applying tor their
first credit card difficult because an
established credit history and a full-time
job with substantial income are often
prerequisites.
Part-time jobs after school don't pay
enough to meet the salary requirements
needed to establish "credit worthiness,"
said Jan Bovlston. communications
manager tor Bankers Trust in Columbia,
w h i c h handles both VISA a n d
Mastercard.
"Anybody can come in and pick up a
bankcard application, but it's basically
difficult for a student to get a card unless
they ha\e some type of prior credit,"
Boylston said.
APPLICANTS MUST be 18 years old
to be accepted for a Mastercard or VISA
but do not have to have an account with
Bankers Trust to apply there, she said.
To begin establishing a credit
abused women on I
??* ???????- v-/ ':
;* Sister-Care, ah organization for worhei
abused and battered women and and wl
wives .will soon be Offering tb$4to'giv<
sejrykes; at USC,w;>, . >. jfj ;? -. eaclvc
Sister-Care helps abused and off of
battered womeh sort out their pro- pjatfc:'
blems through group rap sessions, A ni
as well as one^o-one counseling been g
with a professional therapist. After I
. Therapist Pat Feigley, who vtoftl s&id v
be leading sessions on campus, their <
said taking abuse from one's mate ing thi
does not usually begin after a Feiglei
woman is married: It-begins duiihg some?
the dating relationship. Feigley haV<* S
saiq, utris arc somewnai reners- proDie
ing' what their marriage will be if they
like after they are married. ^ ^
violence is going on during Ktfte ftfit
dating relationship, it will almost 24-hoi
certainly take place during the tion y
marriage." give,
; What Sister-Care hopes to do is place <
teach the girls the signs of abuse, want !
as well as the causes and effects*/an yq
41 Abuse can take place in more put y?
ways than physical abuse," said who c
Mary Anne Lawson, Sister-Caire
community services coordinator, hours
e ?
In w. 0
u J
tmggsBam ik
\ 1
ay not be enough
ry, job often ret
background. Bovlston said, a student
could viet a parent to accept legal liability
lor the account as "co-signer." or take
out a small installment account with a
department store. The credit line, or
amount of credit the store extends, may be
limited, however, for a student with no
credit history.
Hut Gwen lit/gerald, credit manager of
Tapp's department stores, said a department
store is not the best place for
students to start with credit since students
do not have "a long work or residence
history."
Tapp's, locally owned and operated in
five Columbia locations, requires credit
card applicants to be 18 and work at least
32 hours a week in order to make monthly
payments of one fourth the balance owed,
Fitzgerald said.
STUDENTS CAN establish credit by
opening checking and savings accounts in
a local bank or having parents co-sign
hehTfoT"! Winni
in<r* " BvJeri R?we
wo campus ;
lhls pasl >'car?
goal is to teach the young' new-(omul looi
\ ho\y to prevent the abuse this welcome in
py it happens. Werafep warit Debhie Hum
^?id i :s< \ 10C
iribbe in Con
ihe(* chests in a confidential can ( 0,1
tw cainPus mmis i
umber or presentations have -lUIKC' nm'ot'
iven by Sister-Care at Wm "A lo> oi thi
[he talk many young women 1)1 l loldeil
iolence & going bW during sa'
lating mmaimgmmjm
s brqught-td oiip att^ntfon' howivir,
sions office Hi
? rnak^megirU aV?^f the 'lil'i v Vj
l,uickcr rcspon>
out d!-state roc
oneSC"\ ] VVinKsi'
/pi) the ^i ca^i^ii^ ^ni
= . ' ' i
~ #
T
' - I m
i *
> ^miiiiSSiigBil^M^fi
juired to get p
their application for a bankeard, she said.
Still, parents providing the legal guarantee
that hills will be paid and the account
maintained "is noi establishing the student's
credit history," she said.
The college junior or senior is considered
an acceptable credit risk at Belk, a
department chain in the Southeast that
sends out letters offering charge cards to
students who qualify in most statesupported
schools, said a spokesman for
the chain's Credit Center in Charlotte.
College students have "an obvious set
of needs ? a lack of established credit and
employment history and income," the
spokesman said.
Mailing in the application, "which
doesn't even ask if they're employed," is
all a student needs to do to get ;i Belk card,
the spokesman said. 1 he credit line will be
lower than if the student was established
in credit history and employment, "but
not that much lower," and it will increase
as a result of good payment.
ng season attrai
Wl
plications have increased 25 percent footb
but a university official said USC's tion"
iI'u11 uv.\.via V;III> V/IIV. iLti^wii IUI IIIV. *
crease. sehoo
ics, acting director of admissions. Ad
I mark merely complemented July's ball c
ferenee and President Reagan's two many
his past year to help the university studei
:\posure. numb
ngs are going on for the university. umbi;
man says, 'we're on a roll,'" she "h
ist,"
Wash
IN her II years with the admisivnes
said she believes that this is the 1 ,o<
r for the university. agree
1 USC's football success, she said a recru
to these applicants and an intense in-sta
in it ing campaign has helped kindle pride
st in USC with many high school
r. "S
ons counselors who take part in this of th
ipaign admit that USC's "Black that i
ltributcd to many students' curiosity collet:
. rsity in general.
school seniors have asked me what a Mel
said academic counselor Ricky Dcbr;
s traveled throughout New York, a win
[viand on a seven-week recruiting sehot
recei\
W <
First Time E^
WIS-TV ai
Tonight Show
fiSSk
DOC
with the Soutl
Saturday,
IpjfjF Tickets available
JJm 1500 Hendersor
j? For reserv
lastic monev
pgMSillB whm'S WITH rwc
USC SOPHOMORE Joan Fail, a credit coxaj&qv grtor? ] ;|j
car holder, said students should begin
establishing credit with small department
stores and jewelry stores and then larger ' ;V'A 11
chain stores.
Fail, a journalism / theater major from Vim*me,s TiLE^BI|g||i?p|j
Goose Creek, was turned down three TiLl.^-^^RlfftiS
times before she got a J.C. Penney credit gf AN i'mcmecking ^wWI
card her freshman year. Root a^c^calu-oM
Keeping good credit is "a responsibih- ia.. rv. fiffiffily
ty," she said. "Be careful to avoid finance A
charges by paying the balance owed every 7*^.
month on time." Hi^H :.i
p ,.:W, I IT^ NOT* MILL
Bad credit on the cards and writing bad its student |
checks stay on your credit record forever, BBBMBM m')mm mf.a>ts. |pj
she said, adding that students should be
consistent and "plan ahead" with their
checking accounts by keeping the
minimum balance.
Students who have student loans arc 10
already establishing credit, she said. a little law ?no^bg||gg
"Make sure it's paid back after school. KggrOftbEK TWf^c,^HK|il
Don't dodge it; it will follow you." ~ -jjj
p| No NEED. 1?| |
i ' ? -- ? bg umm-eyb milcs got it i j
As applications I I
OMSlTfc AND *3
TH USC'S increased media attention this LUjrt1tt>PARi;lw I j
all season, Wade said this "name recogni- 11 __ pH
, III- . - , MO NW.UO FO* ft LftWMftN.
has helped stir many students interests with
ariety of programs available at a Southern 1 - ^ j
I like USC. , r^r_]
missions counselor Jim I.ove agreed that Toot- ~ {LT^--\
ould be looked at as "breaking the ice" with -;v=,4_ j
prospective college freshmen. He said many how 'boot ft
iits he talked to were surprised over the ffSlsiL00^"M*^r
er of programs USC had to offer at the Coli
campus. I^Hb nu
ootball has helped get the word out that we ex- r0? ?top
said Love who traveled throughout Virginia, DO vtoo 'j
and New |
cally, several high school guidance counselors H90CM ^ v-r'vj
d that USC's football success has helped "***'
it incoming freshmen. However, with many H' mean this is the wild and*
te students, it has helped establish a sense of
state-supported university.
TUDKNTS WHO have chosen USC are proud
oil football excellence because they can say PY'olBgffffj
i is their university also," said Eloise Ledeen, VV ? * j u
te counselor at Dreher High School.
iioing Ledeen's opinion, senior counselor
11 Jones at Hillcrest High School in Sumter said
ning tradition helps draw more students to the I|e11|, ^t $J^l,TpHH"
>1 basically because of the media exposure they
r ?; e
[rni, : ^rrrrrrrriT?: ? ???-? ? ?-? ?
' *vtg I
rer! Only Columbia Appearance!
id The Palmetto State Orchestra Association
present
Bandleader ,
Severinseni
"i Carolina Philharmonic Orchestra
February 9, 1985 ? 8:00 pm
The Township
s Reserved:
5.00 Orchestra and First Balcony
2.50 Second Balcony and Gallery
? at the Columbia Music Festival Association
113?. Rull St
or
South Carolina Philharmonic
i St. (Rear door ~ Woodrow Wilson House)
rations or information call 771-7937.