Department of Unauthorized Forestry

I recently applied for my first credit card, but got a rejection back. The reason they listed was that I hadn't had a credit card before though, so I'm not sure how I'm supposed to get my first one?

Hello my dear. Credit is complex (and classist) so I'm linking you to our big explainer below. You got rejected, but you've misunderstood the reason.

It's not that you haven't had a credit card before, it's that you have no CREDIT. Using a credit card is one way to build credit, but it's not the only way. You'll need to build up a credit score first before applying for a credit card.

One way to do this if you're a minor is to get a supervisory credit card with a parent as a cosigner. That way you're piggybacking off their credit score to start building your own. After a while, you can get a new card on your own, or kick your parent off the original card.

Again, it's all very complicated and annoying, so here's your homework:

MASTERPOST: Everything You Need to Know about Credit and Credit Cards

Mine had no rewards at the time, but also no deposit or annual fees, and after about 6 months they offered to bump me up to their rewards card.

You can also go for a secured card, which is a card where, generally, you pick an acceptable-to-the-institution amount of cash (my current workplacd runs secured cards between $250-$3000, previous workplaces have done $500-$5000 and $1000-$2000), it gets locked up in your account, and that sets your credit limit.

This is not a prepaid card; you do have to pay it off each month, and you should pay it in full so you don’t get charged interest. The security deposit protects the institution from loss should you run away to Aruba and never pay what you owe.

Talk to your banker about the specifics of next steps from there, but generally once you’ve had it (and used it responsibly!!!!) for six months to a year, you can reapply for an unsecured card and get your cash back.

Couple of notes: secured cards are much easier to get, but they don’t usually offer rewards, and you have to have the cash on hand to open it.

Most institutions will require a hard credit pull for this, and that’s kept on file for 30 days, so anything else you do with that specific institution won’t count as another hit on your credit, so it’s worth talking to a banker about whether running an app for a rewards card first is a good idea, since there’s no consequences to turning around and asking for a secured card if you’re then denied.

Idk if someone has asked this before, but as someone who’s trying to get more into making comics, what’s your process?

oh boy i dunno what to tell you, im NOT a professional. nor am i good at explaining my process. uuuuhhhh so im gonna post the roughs for a previous page (page 16 specifically)

WARNING FOR LONG POST, I WILL RAMBLE A LOT ABOUT NOTHING HERE \/

plot-wise, i am making this shit up as i go. but also i made a timeline of events because im normal and cool. my best advice for trying to make a story/plot is genuinely to get a friend to help you, ive had such fun talking with friends about my stories and they are such a boon bouncing ideas off of them. though maybe that's because all my friends are artists so they're used to telling stories, but its still good to collaborate. art is always collaborative anyways so just do the collaboration yourself first

anyway here's an extremely censored image of the comic's current plot timeline. blurred to avoid spoilers, lol

And then proceeding to always have an excuse for not dating for YEARS

“oh im focused on school (highschool edition)”

“oh I’m focused on school (grad school edition)”

“I want to get a better job so i can more easily afford dates”

“I should make friends before trying to date”

“Uhh I’ll try dating next year?” (Repeat forever until people stop asking)

Grace Rocky Save Stars.