Reply
Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: You're a Credit Addict If...


09Lexie wrote:
-you have the numbers for credit analysts saved as a Contact in your phone
-you can rattle off sign up bonuses, offers etc
-you check your CR's daily
-you make purchases based on statement dates
-you calculate your util as often as you pull your CR's

AHHHHH HA HA HA HA HA!!!
I am so guilty of making purchases based on statement dates.  I try to "float" my purchases under the utilization radar.  Buy something after the statement cuts and then pay it off before the next statement cuts. LOL!! GUILTY!



Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: You're a Credit Addict If...

lmao...this is great guys! myjourney, i'm with you on the withdrawal...lol :smileyvery-happy:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: You're a Credit Addict If...


dpechal wrote:

-You are asked out on a date and you give he/she the 7-10 day message.


classic! :smileyvery-happy: heh



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: You're a Credit Addict If...


djc1puno wrote:

dpechal wrote:

-You are asked out on a date and you give he/she the 7-10 day message.


classic! :smileyvery-happy: heh


Then you call in for a recon!!!!!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: You're a Credit Addict If...

Lmao! Might be a hard pull! :smileysurprised:


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Regular Contributor
SPreb
Posts: 164
Registered: ‎08-03-2013

Re: You're a Credit Addict If...


Shogun wrote:

djc1puno wrote:

dpechal wrote:

-You are asked out on a date and you give he/she the 7-10 day message.


classic! :smileyvery-happy: heh


Then you call in for a recon!!!!!


Absolutely Hilarious!!! :smileylol:


Starting Score: 620 Current Score: 709 Goal Score: 720
Gardening from 9/28/2013. Target: March 2014
Regular Contributor
SPreb
Posts: 164
Registered: ‎08-03-2013

Re: You're a Credit Addict If...


MsLadyRover wrote:

09Lexie wrote:
-you have the numbers for credit analysts saved as a Contact in your phone
-you can rattle off sign up bonuses, offers etc
-you check your CR's daily
-you make purchases based on statement dates
-you calculate your util as often as you pull your CR's

AHHHHH HA HA HA HA HA!!!
I am so guilty of making purchases based on statement dates.  I try to "float" my purchases under the utilization radar.  Buy something after the statement cuts and then pay it off before the next statement cuts. LOL!! GUILTY!


Guilty on 3 counts!. 


Starting Score: 620 Current Score: 709 Goal Score: 720
Gardening from 9/28/2013. Target: March 2014
Established Contributor
masscredit
Posts: 682
Registered: ‎07-17-2012

Re: You're a Credit Addict If...

Glad to see I'm not the only one!

 

CC phone numbers and at least one EO number stored in my contacts

 

Make purchases based on when a statement closes. Food? Who needs food!? I can wait until the next billing cycle!

 

I look at my Credit Karma almost daily. And I know it won't update until Thursday.

 

Sign in to check my credit card balances often.

 

Figure out what I should pay and when to make sure that I don't pay any interest. No fee balance transfers works great for that. 

 

At one time I didn't think to much about all of this. I just went on with life and everything fell into place. Now it's an important hobby that I can benefit from being active in. 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 656 (Barclay 07/07/14 ) EQ 04 - 699 (DCU -06/26/14) EQ 08 - 683 (MyFico -06/06/14) 1% Utilization
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: You're a Credit Addict If...


masscredit wrote:

Glad to see I'm not the only one!

 

CC phone numbers and at least one EO number stored in my contacts

 

Make purchases based on when a statement closes. Food? Who needs food!? I can wait until the next billing cycle!

 

I look at my Credit Karma almost daily. And I know it won't update until Thursday.

 

Sign in to check my credit card balances often.

 

Figure out what I should pay and when to make sure that I don't pay any interest. No fee balance transfers works great for that. 

 

At one time I didn't think to much about all of this. I just went on with life and everything fell into place. Now it's an important hobby that I can benefit from being active in. 


lmao...same here :smileytongue:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Valued Contributor
Burned2manybridgesB4
Posts: 1,406
Registered: ‎03-15-2012

Re: You're a Credit Addict If...

... since you can't app quite so soon (watching hp's), you decide to order a replacement card from a current creditor, just to relive the "thrill" of getting plastic in the mailbox.


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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+