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Technopappa wrote:I dont think it is anyone's fault but my own.You make a late payment they nail you to the wall over it. I understand HOW it works. What I do not understand or (maybe better stated is that I dont like it) is that they give you so very few points for doing good but if you do something bad they take three or four times the amount of points away from you. Does that make sense? Does my thinking that the point system is unfair make me a bad person or unreasonable with how I feel?Thanks for the response....
cheddar wrote:
There are many areas of life where it can take years to recover from a mistake, only to have all your efforts erased in an instant when you make the same mistake again. This is true in personal relationships, professional relationships, and also relationships with creditors.
Technopappa wrote:I dont think it is anyone's fault but my own.You make a late payment they nail you to the wall over it. I understand HOW it works. What I do not understand or (maybe better stated is that I dont like it) is that they give you so very few points for doing good but if you do something bad they take three or four times the amount of points away from you. Does that make sense? It makes perfect sence. How else banks increase your APR. Does my thinking that the point system is unfair make me a bad person or unreasonable with how I feel?Thanks for the response....