@vikingred wrote:I checked that other link. There is NO WAY cap1 is a "prime lender" or "prime card". I say subprime. Trash card.
I would say depend on its uses it can be either prime or subprime. I think their venture and QS can be considered prime, but it really depends on which card you are talking about.
@Revelate wrote:ROFL, so one new thing on the myFICO update, we get reason codes (aka reasons your score ain't higher) now too with the additional scores. Only have the one store card, and my only other questionable one is listed as pure Installment loan when I look at it.
Look what's on my EQ Beacon 5.0
- You have a consumer finance account on your credit report.
So N>0 may be a problem! Admittedly it's in the 4th spot which we routinely tell people to ignore heh.
ETA: interesting, the EQ Beacon 5.0 classic and auto-enhanced scores have that negative factor for EQ, but the FICO 8 models don't; Bankcard does not (has my installment loan balances are too high, which has to be a ratio given it's a pair of secured loans, and may explain the drop from losing the auto loan, wish I had this data access a few months ago) and EX is mostly complaining about installment loan balances the CFA listing is nowhere to be found on the FICO 8 or FICO 98 versions listed.
@If you think that is ridiculous, my only negative, and it only shows up on Equifax is that my util is too high @ 7% - "Fico High Achievers generally have util less than 6%" or some sh*t like that... What it really means is I'm just lazy and dont PIF before the statement cuts. I wait for the bill to generate first.
@Lyythine wrote:
@Revelate wrote:ROFL, so one new thing on the myFICO update, we get reason codes (aka reasons your score ain't higher) now too with the additional scores. Only have the one store card, and my only other questionable one is listed as pure Installment loan when I look at it.
Look what's on my EQ Beacon 5.0
- You have a consumer finance account on your credit report.
So N>0 may be a problem! Admittedly it's in the 4th spot which we routinely tell people to ignore heh.
ETA: interesting, the EQ Beacon 5.0 classic and auto-enhanced scores have that negative factor for EQ, but the FICO 8 models don't; Bankcard does not (has my installment loan balances are too high, which has to be a ratio given it's a pair of secured loans, and may explain the drop from losing the auto loan, wish I had this data access a few months ago) and EX is mostly complaining about installment loan balances the CFA listing is nowhere to be found on the FICO 8 or FICO 98 versions listed.
@If you think that is ridiculous, my only negative, and it only shows up on Equifax is that my util is too high @ 7% - "Fico High Achievers generally have util less than 6%" or some sh*t like that... What it really means is I'm just lazy and dont PIF before the statement cuts. I wait for the bill to generate first.
Same here.
And to make it worse, I sometimes also pay with checks, in duplicate of course 
I like my paper trails.
@Lyythine wrote:And to make it worse, I sometimes also pay with checks, in duplicate of course
Now, THAT, I don't do.
@vikingred wrote:People still use checks? Wow.
Yep, they do. I just had to write one yesterday! (They wouldn't take credit cards)
@vikingred wrote:People still use checks? Wow.
Yes. They do! I still enjoy writing checks for most of my bills. There is something more reassuring of having a copy of the check, date, amount, etc: My opinion only, of course - I also keep cash in my safe, a la great depression style savings tactics. I am fully aware it loses value the longer it sits, but it makes me feel better to know that I have a readily available resource in case of emergency.