Credit Card Center Advertiser Disclosure

Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008
0 Kudos

Re: What Is The Most Embarassing Thing

Oh! Along the "declined" vein of embarrassing brings two events to mind:

First was when Wachovia's VISA approval center went bottoms up for a few hours. Since most merchants just get a "declined" or "approved" message and not a "VISA's screwed up, it's not the purchaser's fault" message, hubby was humiliated in front of a BIG customer (a non-Wachovia card-holder). Wachovia DID give us one free movie rental at Movie Gallery, though. THAT completely mitigated the embarrassment, of course. *snort*

The other was when our bank account was cleaned out by I'net thieves. I went to the grocery store and ran my checkcard for a paltry $30 worth of purchases and was DECLINED. Since we had over $2K in our checking account, I figured it was Wachovia's VISA mistake AGAIN (see above entry). So I walked three steps to the grocery store's courtesy ATM machine, thinking to pay cash, only to find that the thieves had so generously left us a whopping $13. I had no other choice but to use another checkcard (we keep two checking accounts, don't ask me why) to pay and walked out, humiliated.

That's about it for embarrassing moments in public, I guess! Smiley Wink


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!!

Established Contributor
Posts: 693
Registered: ‎04-05-2008
0 Kudos

Re: What Is The Most Embarassing Thing

LOL@U_E. And I bet you were real hungry too!

I can't think back that far, but a couple of months ago I app'd for a CC with a local CU. They asked what CL I wanted and I went high because I only wanted one CC to pay all bills, so I told them $10K. I knew I didn't have the scores just yet, but like I said, I only wanted one CC with a high CL so I could pay my monthly bills. Had a BK from 2003 and no lates since 2002.

Long story short, they started cracking up when they saw my CR. So, feeling sorry for me and all, they counter-offered. They said, "$10K, we don't think so. Here's $500, now get your silly behind out of here!"

Well, I cried for a minute cause I was soooo embarrassed, but then I picked my head up and went on with life and my $500 Rewards Visa! Smiley Very Happy

Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800

Take the FICO Fitness Challenge

Starting Score: 708
Current Score: 743
Goal Score: 800

Take the FICO Fitness Challenge
Posts: 96
Registered: ‎04-20-2008
0 Kudos

Re: What Is The Most Embarassing Thing

A CA called my father in law on the other side of the country asking for me. He then called my husband asking him why "some man" was calling him and asking for his wife. Horribly embarrassing situation and we both wanted to crawl under the nearest large rock.
Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
0 Kudos

Re: What Is The Most Embarassing Thing

Ahhh..  it was the summer of '99 and I was picking up the check for dinner/drinks in Eugene, OR.  I had to stumble back to the table and tell my roommate and her bf that my card was declined.  Now, the bigger problem is that we had camped all the way across the country and I had NO backup funds.  Nada.  We had to cut our trip short (and miss out on the California redwoods) b/c I was broke.  My roommate paid for the gas and food on the way back and I paid her as soon as my next paycheck hit the bank.  But what an awful feeling.
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Established Contributor
Posts: 971
Registered: ‎01-13-2008
0 Kudos

Re: What Is The Most Embarassing Thing

Anything leading up to and including my BK. It was horror for me.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.