You may be a Credit Card Geek if…

[jamesdwi]

Okay it’s Saturday and I’m bored feel free to add your own answers

You may be a Credit Card Geek if…

If you have myfico.com set as your home page.

You visit more than 10 bank/credit card related sites a day, or worse in an hour.

When you get a new credit card in the mail you are more concerned about the Fico score than the CL.

If you were given a chance to go back in time to when you were 18, for a day, your to-do list would include applying for an AMEX card.

Your total CL for all your cards is enough to by a Mercedes or a Porsche but your next car will cost less than half that much.

You have 2 or more credit cards from 4 or more banks.

You can name 5 or more store credit cards backed by GE Money Bank, and Coventry Bank

You have at least 4 cards from both GE Money Bank and Coventry.

You have GE Credit Solutions number saved in your cellphone, double points if you have it listed as a favorite number.

You have the back door number of at least two credit card companies saved in your cellphone.

You would rather receive a Pre-Approved credit card offer in the mail than a birthday card.

You consider receiving a One Main or first premier credit card Application an insult.

You have used any of the following terms in a your daily conversation in regards to your credit, Gardening, Seedling, Spade, AAoA, CLI, CL, Drapping, HP, SP, EO, BT.

You know the name of a least 2 people that Work in underwriting, or the Executive office of a credit card company.

You are disappointed that you only got 3 CLI’s this month.  And strive to do better next month.

You would never let your UTL go over 50%, not only because of the FICO score ding, but you would be paying it down for the next 10 years.

You visit websites that are part of the shopping cart trick, just to see if you will get an offer, even if you aren’t interested in the card.  

[TheSpeculator]

Guilty. I have MyFico and Experian disputes websites as an app on my iPhone

[09Lexie]

You check your crs, CK and CS as a daily routine

You have Manilla, Mint and/or PageOne as apps

You use backups in addition to the above apps as safety nets I.e iCal, spreadsheets etc

I'm guilty of the entire list.

[Gunnar419]

You decide which cards to app for based on whether they have cool looking designs or are made out of metal.

[asphaltcowboy]

You refresh your score watch ever half hour to see if your score has changed

[pkosheta]

If your friend pulls out a credit card and you start rattling off all of its unique perks. (Guilty).

[LS2982]

Yes, I am guity. I seen a Citi TY Preferred today in person, now I want it

[jsucool76]

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@pkosheta wrote:
If your friend pulls out a credit card and you start rattling off all of its unique perks. (Guilty).

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I do this all the time. Whenever anyone brings up a credit card they have and/or want, I always start talking about it, and usually hating on it because no one knows anything about credit.  

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But I think this thread might belong in smorgasboard  

[FocusedAndDetermined]

This thread is too funny.  Based on the combined list, I'm  not yet a geek - perhaps a geek in training.

[JonStur]

If you just couldn't sleep until you owned the Four Horsemen ( AMEX MasterCard  Discover Visa )

if you can easily rattle off the differences and or advantages of a World Mastercard vs. Visa Signature....