Reply
Senior Contributor
score_building
Posts: 3,524
Registered: ‎01-10-2008

Re: Credit Card Reponsibility

ddd wrote:

 

Thats the problem with this country perhaps you should watch CNN for about half an hour. Americans feel thaht they are entitled to anything and everything and are not acoountable for their actions. I'm not critizing a soul, I'm just suggesting that people become fore ACCOUNTABLE for their own actions.


 

you say the problem with this country are its peoples false sense of entitlement yet you are not criticizing a soul?  even if you are right that sure seems like (unconstructively generalized) cirticism to me. 

 

i think part of the the difficulty is that you've by and large chosen the wrong audience here.   i suspect you are to some degree 'preaching to the choir'.  many members have committed to be hyper responsible about their credit, and learn here as much as they can to do so.  that's why they're here and not off somewhere running up balances w/o the money to repay :smileyvery-happy:

 

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
jmbfl
Posts: 1,185
Registered: ‎03-04-2008

Re: Credit Card Reponsibility

Thanks for reigning me in. I was about to go to the casino and by me a big rack-o-chips with my plastic! I need a meeting fast!
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008

Re: Credit Card Reponsibility


ddd wrote:
I dont think anyone likes to talk about this topic but I feel its the most important one of them all. I know this entire forum is dedicated to reactive advice about fixing Fico Scores. How about being proactive and being an advocate for responsible credit card usage. I truly belive that ABSTINANCE will get you a way better score than after the fact problem solving. What do you guys think?


Absolutely. You're right. It's better to keep it workin' rather than have to run out and fix it.

But (as HTSU) said, we're all human and we do incredibly stupid things sometimes. But we function as a support group every bit as much as we do an interactive advice column. So even when one of our members bones on a credit matter, we're still there with advice AND encouragement. As my DD would say "It's what we do, duh!" :smileyhappy:

Or "accidents" happen. We just very, very, very nearly ended up having to pay nearly $2K on getting my car fixed. That probably would have been plunked smack dab down on one of our CCs (0% until 2010). COULD we have paid it directly out of our bank account? Yep, you betcha. But with the kids' activities (and the lovely "reasonable" fees that come with), we'd more than likely have to put them off a bit. And our kids deserve better. It ain't their fault that Mercury puts out a crappy car!

BUT, most of the people here that have credit issues come here AFTER the problems occurred. They come here looking for help, advice, encouragement (most probably think the world's frickin' over and their credit will suck forEVER -- I know **I** did!!) and sometimes, quasi-legal advice. PROactive advice just doesn't do a durn thing for'em. It's simply too late. Closing the barn door after the horse has already skedaddled, to coin a phrase.

'Sides, those that screw up royally (ahem - like **ME**) and have come here, desperate to fix their credit DO get advice that helps out in the long run. Whether it's how to remove baddies via GW or PFD, all the way to which CCs will help util/scores/growth, it's ALL here. Everyone pretty much learns as they go along. Some do and vamoose once their credit's good. Others (like HTSU, Fused, Side, Ilecs, etc) stay on to lead the next volley against bad credit! :smileyhappy:

But in the end, we all acknowledge that we're human and that we've ALL munged up our credit at some time or another. Whether by accident, purpose or neglect, we've ALL been there. :smileyhappy:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Moderator Emeritus
ByrdMan
Posts: 7,975
Registered: ‎12-19-2007
0

Re: Credit Card Reponsibility


jmbfl wrote:

ddd wrote:

jmbfl wrote:

ddd wrote:

Thank You I have a knack for putting up contoversial Post. I really like to get to the Core of the issues instead of fixing them with Secured Credfit Cards and applyting every other week to see what they can get approved for or not. I knew people were going to jump all over but it is way better than "What Cards can I get approved with on a BK" ? I hate those post, Why dont they ask I had a BK I'm going to be finacialy responsible and build up my credit the right way.


Posters come here for information, not judgement or a critique of their question framing skills.

 

Perhaps you should re-read my earlier post in this thread...


Thats the problem with this country perhaps you should watch CNN for about half an hour. Americans feel thaht they are entitled to anything and everything and are not acoountable for their actions. I'm not critizing a soul, I'm just suggesting that people become fore ACCOUNTABLE for their own actions.


When you get to sounding too much like Dave Ramsey Flava Flave is invoked.

 

He says have a nice day!

 

 


FYI, as Flavor Flav says, that's another guy.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008

Re: Credit Card Reponsibility


ddd wrote:

Thats the problem with this country perhaps you should watch CNN for about half an hour. Americans feel thaht they are entitled to anything and everything and are not acoountable for their actions. I'm not critizing a soul, I'm just suggesting that people become fore ACCOUNTABLE for their own actions.



Pfft. That's just plain silly. I don't think the average American is any more less willing to be accountable than anyone from any other country. The reason our "lack of accountability" is so prevalent in the news is simply (IMO) because so many other countries depend on us that when our economy tanked, everyone else was affected, too (ahem, gas prices, anyone?). And everyone is P*SSED.

 

But to generalize and categorize all Americans (or even flirt with using it as a stereotype) as not willing to be "accountable" for their fiscal actions is just about as apt as saying ALL women are horrible drivers (okay, I have my "horrible days" -- but really, you can't prove that tree was there yesterday!!) or all men have the fashion sense of a demented circus monkey.

 

Generalities just don't wash. Just look at my driving on a GOOD day. :smileywink: 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Valued Contributor
jmbfl
Posts: 1,185
Registered: ‎03-04-2008
0

Re: Credit Card Reponsibility

[ Edited ]

Well if all Americans are so lacking in financial responsibility I think I will immediately move somewhere where fiscal responsibility rules the day. Like Jamaica maybe...

 

BTW - I had a few extra "e's" hanging around today. It was a typo!

 

 

 

Yo dude, you keep that extra "e" to yo sef!

Message Edited by jmbfl on 11-07-2008 11:29 AM
Regular Contributor
jacred
Posts: 104
Registered: ‎09-21-2008

Re: Credit Card Reponsibility


ddd wrote:

Thats the problem with this country perhaps you should watch CNN for about half an hour. Americans feel thaht they are entitled to anything and everything and are not acoountable for their actions. I'm not critizing a soul, I'm just suggesting that people become fore ACCOUNTABLE for their own actions.


 

ddd - I am completely with you here. I'm disappointed your thread isn't getting a better reception, but maybe some people are misinterpreting your point.

 

It does seem like financial responsibility isn't very highly prioritized in our society, for whatever reason, which is a shame.

 

I can't imagine trying to explain the "fairness" of the financial bailout to a child... yikes.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+