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You may be a Credit Card Geek if…

Valued Contributor

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
Message 31 of 114
Mega Contributor

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



EQ FICO 548 3/3/16
Message 32 of 114
Frequent Contributor

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: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 33 of 114
Mega Contributor

Re: You may be a Credit Card Geek if…

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" Smiley Very Happy




EQ FICO 548 3/3/16
Message 34 of 114
Frequent Contributor

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" Smiley Very 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" Smiley Very Happy


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

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 35 of 114
Valued Contributor

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
Message 36 of 114
Mega Contributor

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" Smiley Very 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" Smiley Very 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?!?!?!?!?

 

 




EQ FICO 548 3/3/16
Message 37 of 114
Highlighted
New Contributor

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

 

Trying to garden again: Myfico Experian: 621, Myfico Equifax : 613, MyFico transunion: 639
Goal : 780

Message 38 of 114
Senior Contributor

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 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 39 of 114
Frequent Contributor

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 715 (wal-mart) FICO EQ 692
Goal Score: 700


Take the FICO Fitness Challenge
Message 40 of 114