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Discussion in 'Credit Talk' started by peeper, Apr 11, 2001.
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As someone mentioned in a post about a week or ten days ago, many casinos look at the average balance of a checking or savings account over six months and will then give a credit limit based on that amount. When I lived in Las Vegas a couple of the "less chic" casinos downtown or in N. Las Vegas (miles away from the strip in distance and attitude) would ask for a couple of recent paystubs and then issue credit based on your take-home salary. I moved from LV in 1999 and at that time I heard that some of the Strip casinos that were owned by corporations were contemplating pulling a credit report on those applying for casino credit. Whether they started to or not, I don't know.
Be careful with this. I'll admit right up front I have a real problem with gambling on credit. When I was living in Las Vegas the primary reason for bankruptcy filings and home foreclosures was gambling debt and a lot of that debt started with an easy open casino credit line.
I have never had a casino pull from on of the three big agencies. There is an agency called "Central Credit, Inc." that most casinos around the world pull reports from. Most also have you list your checking account information, a verification letter is then sent to the bank asking for average balance information and the time the account has been open. I only have lines with a few of the "locals" casinos and don't know if the larger strip resorts work the same way. A couple of casinos asked me for pay stubs.
I never gamble on credit, but I do sometimes take a marker for whatever cash I have with me when I play. It's more of a sure thing that your play will be rated that way, and you tend to get offers from the casinos that are better than what the general public or even the slot club members get.
Back in the old days for me, a letter was mailed to my bank for account verification.
I thought that requesting a marker was the same as signing a personal check. If you did not redeem your marker, a check draft was sent out.
Good articles about this: