Reply
Valued Contributor
mauve
Posts: 2,487
Registered: ‎02-18-2010

Re: You may be a Credit Card Geek if…

I've been in denial all this time...the logo, it's right on my Benny card....I can spend that money on glasses or perhaps a prescription....

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: You may be a Credit Card Geek if…

You frame an AMEX unicorn like its a Babe Ruth rookie card........and give it omage every morning.


<------------This guy



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
SpiceIslander
Posts: 315
Registered: ‎02-01-2010

Re: You may be a Credit Card Geek if…

Before you leave your house to go shopping, pump gas or eat out, you know EXACTLY which card will get the love!

Meg.

FICO: 02/2014 - TU 756 | EQ ??? | EX 769

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 7100 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 3000 | Sam's Club 3000 | Sears 900
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: You may be a Credit Card Geek if…

[ Edited ]

You are at a store checkout line and they offer you a credit card app and you slip up and say "I can't im in the garden" :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
SpiceIslander
Posts: 315
Registered: ‎02-01-2010

Re: You may be a Credit Card Geek if…


LS2982 wrote:

You are at a store checkout line and they offer you a credit card app and you slip up and say "I can't im in the garden" :smileyvery-happy:



LS2982 wrote:

You are at a store checkout line and they offer you a credit card app and you slip up and say "I can't im in the garden" :smileyvery-happy:


LOL! You know the 10% is definitely not worth the reduced AAoA and the HP!

Meg.

FICO: 02/2014 - TU 756 | EQ ??? | EX 769

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 7100 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 3000 | Sam's Club 3000 | Sears 900
Valued Contributor
mauve
Posts: 2,487
Registered: ‎02-18-2010

Re: You may be a Credit Card Geek if…

I phrase it "I don't want to take the hard pull to my credit report"

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: You may be a Credit Card Geek if…


SpiceIslander wrote:

LS2982 wrote:

You are at a store checkout line and they offer you a credit card app and you slip up and say "I can't im in the garden" :smileyvery-happy:



LS2982 wrote:

You are at a store checkout line and they offer you a credit card app and you slip up and say "I can't im in the garden" :smileyvery-happy:


LOL! You know the 10% is definitely not worth the reduced AAoA and the HP!


Or the flipside of this:

 

Your In the checkout line and they offer you a credit card app and you start spouting off a million questions:

 

-will I be approved??

-my FICO score is --- will I get a good CL?

-will my other creditors AA me I got a lot of new accounts!

-what bureau do they pull???

 

Meanwhile the cashier is looking at you like you were dropped on your head as a kid and your looking at them like YOU SHOULD KNOW THIS INFORMATION!!! ITS MY CREDIT ON THE LINE!!! HAVE YOU NO RESPECT FOR MY FICO SCORES?!?!?!?!?

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
carlismycat
Posts: 42
Registered: ‎04-16-2013

Re: You may be a Credit Card Geek if…

" Your In the checkout line and they offer you a credit card app and you start spouting off a million questions:

 

-will I be approved??

-my FICO score is --- will I get a good CL?

-will my other creditors AA me I got a lot of new accounts!

-what bureau do they pull???

 

Meanwhile the cashier is looking at you like you were dropped on your head as a kid and your looking at them like YOU SHOULD KNOW THIS INFORMATION!!! ITS MY CREDIT ON THE LINE!!! HAVE YOU NO RESPECT FOR MY FICO SCORES?!?!?!?!?  "

 

THAts SO totally me ! LOL

 

*Just put on my gardening gloves today (5-26-2013)*
Starting out: myficoTU/671 & EQ/683 ( April 15,2013)
Current : 696 EQ FICO (June 6, 2013)
Goal : 800

Citi 10K / Discover IT 5,750. / Amex TE 4,500./ Amex BCP 1K/ amex green/ Walmart store 1200. / 1ST-sav 650./ToysRus 500./Orchard 500./Cap1 500.
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: You may be a Credit Card Geek if…

You worry about AAs.

 

Ask cashier: "is it a hard or soft pull?" or "What's the interest rate?" and then get annoyed when they don't know what you're talking about.

 

It's funny. I really haven't seen any deals at the register worth taking an HP to get. I really only use cash-back cards and nothing ever sounds better than cash.


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Frequent Contributor
mauwow0682
Posts: 279
Registered: ‎08-24-2010

Re: You may be a Credit Card Geek if…

You're a credit card geek, when your are always hawking what cards people pay with and then you start to make credit/financial assumptions in you're mind.

Starting Score: 620 FAKO
Current Score: FICO TU 702 (wal-mart) FICO EQ 692
Goal Score: 700


Take the FICO Fitness Challenge

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+