Apparently they are giving out a free medium pizza, but do they make you sign up for a credit card? Fill out a survey?

they make you sign up for a credit card.

just like the free subway sandwich.

You have to eat their pizza...

That is so ridiculous, especially the free sandwich. Usually they give you at least a $50 gift certificate for signing your life away like that.

You know, you don't actually have to use the credit card. Just apply.

Do they run a credit check first? If they do I probably couldn't get a card anyway.

I don't think that even matter, I think you just have to fill out thier paperwork, and then they give you the ticket for a free pizza, atleast that is how it happened last year when I did it.

they had a similar deal at subway last semester.
i just gave false info to keep from getting another point on my credit.

hello free sandwich!

Yeah, and that fucks up your credit report. Anytime a creditor checks your report, even if they don't give you credit, it hurts your score.

Credit cards and open credit lines count as "possible debt" to whatever your credit limit is. If you have a card with a $4k limit, that's 4k worth of possible debt you're stuck with.

Open accounts hurt you too. I checked my report when looking into mortgages. One of my pre-apps said I had too many open accounts. I have:

One credit card that I pay off in full, every month. I use this for my own purchases. It has a $4000 limit. I use it because it gives me a minimum 1% cash back on every transaction. I've had it about 2 years.

Two credit cards that are tied to my mom's account. They're mostly holdovers from when I was younger and she'd send me out schlepping or something. I use this to buy cat food for her and that's about it. She's had them for at least 5 years. She pays it off in full, every month.

So, a total of 3 accounts, all of them in very good standing, and I have "too many".

Oh, and one time, my mom got charged like an extra $7/6 mo. for car insurance because she "had access to too much credit, thus making [her] a credit risk". Nevermind that she has paid every bill on time in her life (including multiple cars and a house). She decided that that insurance company was a "stupidity risk" and found a different one.

So watch out with the credit cards, even if you never plan on using them.

I learned some things, thanks for the info...

Like I said, a pizza is definetly not a suitable bribe to signing up for a credit card. They are just preying on cheap college students.

They assume we're dumb and will happily sign up. I walked over to Dominos to pick up a pizza (I paid for, not the card bullshit) and the girl working for Citibank asked me if I was a UMR student and said "Yeah, but if it's to apply for a credit card, I'm definitely not interested" and she seemed shocked that a college student would answer no. And I know that by 5 PM I wasn't the first one to turn them down

Alot of those 'get a free pizza' credit cards also tend to have insanely high interest rates. I remember seeing one where the interest rate was 20%, and hit 30% if you were ever late.

Combine that with a new trick they're playing like messing with your due dates so you get unintended (for you) late payments, they get to slap you with huge fines.


Best get a credit card on your own terms, not theirs.