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On Reader Mail: Getting a Credit Card When You Have No Credit
@Katzen-party Yes, I did not know that this was the case and once tried to apply for like, four credits cards in a month. They all show up on my credit report now. I think they will be off next year. Another option to consider is a student credit card. I got mine from the same evil bank that tricked us all into opening checking accounts during orientation week (they also had the only ATMs on campus). So I already had an account with them, which was maybe a factor. I applied while I was in grad school (though I think they are MAYBE supposed to be for college students, and I was only in grad school part-time, and other potential small adjustments I might have made on the survey, etc.), and I got a card with a $3000 limit that I did not have to pay up front.
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On The Bodega 'Eggs on a Roll'
Eggs on a roll are the best thing ever when you get sick of carting your own oatmeal across four boroughs at 6:30 in the morning. A special reward for $2! Also, some bodegas in the Bronx have them for $1.75. If you can befriend the deli guy and get the eggs over easy rather than scrambled, it is additionally amazing.