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Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Cards to stay AWAY from.....Run when you see these.

Sorry about that..I may have over stepped a bit.....my apologies.:smileysad:
Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Moderator Emeritus
fused
Posts: 16,243
Registered: ‎03-12-2007

Re: Cards to stay AWAY from.....Run when you see these.

This is a reminder to keep your posts friendly and supportive. If we receive another complaint from a forum member, this thread will be locked and warnings will be issued accordingly. Thank you for your cooperation.

 

--fused, myfico moderator

Regular Contributor
keithc
Posts: 166
Registered: ‎05-22-2007

Re: Cards to stay AWAY from.....Run when you see these.

74king and commonsense, 1st of all i am NOT a mod but please take it easy!!  they are newbies on here just learning the system!!  i have got 1st premier and tribute! i hate them too!! but they have age on them so i have got to keep them for a little longer!! i disagree with you on Cap one- i applied last mo. got 1k limit at 10.9%!!!
Valued Member
commonsense
Posts: 38
Registered: ‎04-15-2009

Re: Cards to stay AWAY from.....Run when you see these.

 I am sorry for being insensitive to the feelings of others. I only resort to name calling because I have a poor self image and when I degrade others it makes me feel better about myself. Its wrong and I won't do it anymore Its a character flaw and its one that I regret. 

 

Last last thing I want is for this tread to be the subject of administrative admonishment. 

 

I fully and positively support the collective efforts of the myFICO community. In the future, my posts will reflect that position.

 

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Cards to stay AWAY from.....Run when you see these.


commonsense wrote:

 

...If we say anything to suggest someone missed the point of a thread/posting, a moderator will be sure to PM you and suggest you "play nice".

 

This is a great resource and a fantastic board but I learned you must be absolutely tolerant of dullards and those who don't read the entire posting. I also learned that they keep you on a short leash when you point this out

 

I am not the smartest person here, but I know how to read...


commonsense, I have sent you another pm. And just like in the one I sent last week, it isn't asking you to "play nice." Although what I wrote before about how being a mod is sometimes like being a playground monitor seems more true today than ever.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Cards to stay AWAY from.....Run when you see these.

OK

commonsense wrote:

 I am sorry for being insensitive to the feelings of others. I only resort to name calling because I have a poor self image and when I degrade others it makes me feel better about myself. Its wrong and I won't do it anymore Its a character flaw and its one that I regret. 

 

Last last thing I want is for this tread to be the subject of administrative admonishment. 

 

I fully and positively support the collective efforts of the myFICO community. In the future, my posts will reflect that position.

 


OK EVERYBODY....JUST TAKE A DEEP BREATH......Ok everything's cool now. :smileyvery-happy: Very got a cool head now. Ok....good times for alll:smileywink:

Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Valued Contributor
GregB
Posts: 1,670
Registered: ‎05-24-2007

Re: Cards to stay AWAY from.....Run when you see these.

I believe that Capital One should not be on the list of "Run when you see these". I think they DO have some cards and/or programs that might be on that list BUT they also have reasonable cards and/or programs.

 

I have three Cap One accounts, One business with $20,000 CL and 5.9% interest. Two personal (one old formerly joint and one new separate) These have CL of $10,000 and $18,000. Both interest rates are reasonable, one 8.25% and the other currently a 0% one year BT showing 9.89% "normal" rate.

 

My only complaint with them was that up to a year or two ago they were not reporting the true CL to the CRA, only the maximum balance. They fixed that.

 

I think it is obvious that Capital One covers a large range of customers. They shouldn't have their "prime" accounts (if that is the correct terminology) lumped in together with their "sub-prime" accounts.

Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Cards to stay AWAY from.....Run when you see these.

HSBC does the

GregB wrote:

I believe that Capital One should not be on the list of "Run when you see these". I think they DO have some cards and/or programs that might be on that list BUT they also have reasonable cards and/or programs.

 

I have three Cap One accounts, One business with $20,000 CL and 5.9% interest. Two personal (one old formerly joint and one new separate) These have CL of $10,000 and $18,000. Both interest rates are reasonable, one 8.25% and the other currently a 0% one year BT showing 9.89% "normal" rate.

 

My only complaint with them was that up to a year or two ago they were not reporting the true CL to the CRA, only the maximum balance. They fixed that.

 

I think it is obvious that Capital One covers a large range of customers. They shouldn't have their "prime" accounts (if that is the correct terminology) lumped in together with their "sub-prime" accounts.


HSBC does the same thing, and they are in there. Any company that engages in these type of practices go in. PERIOD....PLUS that's not my doing, this is what others are saying. So i have put them in there. They don't call them Crap 1 for nothing. They are in the WEEDS.

Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009

Re: Cards to stay AWAY from.....Run when you see these.

I'm surprised AMEX didn't make the list.
Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Cards to stay AWAY from.....Run when you see these.


YoungEntrepeneur wrote:
I'm surprised AMEX didn't make the list.
They were close...but they aren't in the WEEDS yet. But they are scumbags:smileyvery-happy:
 
Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares

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